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Ohio Teenager Auto Insurance: Important Facts To Know Before Buying


Here’s the bad news: you teenagers may only make up 20 percent of the driving population, but you are responsible for over 400,000 serious accidents each year. Car accidents claim over 5,000 precious young lives each year. Unfortunately, inexperienced first-year drivers are involved in more accidents than any other group. To reduce the number of statistics, the state of Ohio has created a graduated driver licensing program aimed at making the roads safer for everyone.

Ohio Teenager Driving Requirements

  • The GDL program may be started at age 15.5.
  • The driver must complete 24 hours of classroom study and 50 hours of supervised driving, including 10 at night.
  • After 6 months, the driver can then take the skills test for the Ohio drivers’ license.
  • At age 17, the driver may apply for a probationary license.

What Is The Ohio Probationary License?

There are a whole list of conditions you must adhere to until you receive full driving privileges. For instance:

  • A licensed parent or guardian must be with you in the front seat at all times.
  • Permit holders under 18 cannot drive between 12 am and 6 am unless accompanied by an adult.
  • Probationary license holders can’t drive with more than one person who is not a family member.
  • Probationary license holders between 17-18 cannot drive between 1 and 5 am.
  • Exceptions include: driving to/from work, an emergency, charity work, or driving to/from school.
  • Drivers in Cleveland and Cincinnati will be fined for texting while driving.
  • A 0.02 BAC is enough cause for a DUI.

Ohio Teenager Auto Insurance

Teens must carry a minimum of $12,500 / $25,000 / $7,500 in liability coverage. The average increase resulting from adding teenager auto insurance to your policy is $2,171 per year. However, it can range from $1,200 to $4,900, so it pays to shop around!

teenager auto insurance

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