Car Insurance Policy Lapse Rules in Ohio

Noncompliance Suspension of Driver’s License and More

If you or anyone who is driving your auto without current insurance is stopped by law enforcement, you will be cited as being in violation of complying with Ohio laws, per State of Ohio Senate Bill 123, enacted in 2004, that requires all drivers to supply proof of insurance.
A first offense carries a suspension of your driver’s license for 90 days. A second offense will result in suspension of your license for up to two years. Offenses after that will result in losing your auto registration and license plates, through removal and impounding of your plates, and rely on the circumstances the state may impound and take possession of your vehicle.

Penalties and Fines if Caught Driving

Even if caught driving during a lapse in coverage, you may be needed to file and maintain Financial Responsibility Insurance (State of Ohio Form SR-22) or needed to place a surety bond. You could be needed to carry one or the other for three years on a first offense, and five years on a second offense.
After three or more violations, you could also risk losing your vehicle, and incur a five-year suspension from being can register a auto in your name.
Additional fines and penalties will be imposed if there are other offenses involved, including driving while intoxicated or causing an accident.

Reinstatement Fees

Mandatory reinstatement fees are $75 for the first violation; $250 for the second violation; and $500 for a third or subsequent violation. Your driving and auto registration privileges cannot be reinstated until all fees are paid. more about

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