Columbus, Ohio Criminal Defense, DUI / OVI, and Traffic Attorney

Financial Responsibility Act (FRA)

It’s common knowledge that you are required to maintain some type of financial responsibility when driving your car. Most people comply with this by maintaining auto insurance that complies with Ohio’s minimum limits of $25,000 for personal injury and $7,500 for property damage. Alternatively, there is an option to deposit $30,000 with the State Treasurer.

If you don’t maintain financial responsibility, you could be facing a suspension of your driver’s license. There are 3 circumstances where you are required to provide proof of insurance: 1) When involved in an accident; 2) When you receive a traffic ticket; or 3) When you are randomly selected by the BMV to provide proof.

The chart below details the civil penalties for failure to maintain proof of financial responsibility:

Violation Number Suspension Length Driving Privileges Reinstatment Fee
1st Indefinite Yes* $75.00
2nd in 5 years 1 year Yes, after 15 days* $250.00
3rd in 5 years 2 years None $500.00

* Driving privileges are in the court’s discretion and require proof of insurance prior to being granted.


Attorney At Law
35 E. Livingston Ave.
Columbus, Ohio 43215