Ohio: Financial responsibility & insurance Practice Test
Required insurance, proof of insurance and crash reporting.
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Questions are original and based on the official manual "Ohio Driver Manual" (HSY 7607 10/25 (October 2025)), Ohio Bureau of Motor Vehicles.
All 11 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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Under Ohio law, what is it illegal for a vehicle owner to do?
- Allow anyone else to drive his or her vehicle without insurance
- Allow a licensed adult to borrow the vehicle for more than a day
- Register the vehicle in a county where he or she does not live
- Drive the vehicle without first obtaining a special owner permit
Show answer
Correct answer: Allow anyone else to drive his or her vehicle without insurance
Ohio makes it illegal both to drive without insurance and for an owner to let someone else drive the owner's vehicle uninsured.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 24
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What may happen to drivers in Ohio who fail to show proof of insurance?
- Their vehicle is impounded and sold at a public auction
- Their vehicle registration is cancelled for the rest of their life
- Their Driver License may be suspended, with fines and reinstatement fees to pay
- They must retake the written test and pay no other penalty
Show answer
Correct answer: Their Driver License may be suspended, with fines and reinstatement fees to pay
The manual says drivers who fail to show proof of insurance may face a license suspension, fines and reinstatement fees.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 24
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In which situation must you show proof of financial responsibility (insurance) in Ohio?
- Every time you buy fuel for your vehicle at a gas station
- Whenever law enforcement issues you a traffic ticket
- Every time you park in a public parking lot
- Every time you drive across a county line
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Correct answer: Whenever law enforcement issues you a traffic ticket
Proof of insurance must be shown whenever law enforcement issues a traffic ticket, among other listed instances.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 24
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A driver or vehicle owner involved in a traffic crash must show proof of insurance when the crash results in more than how much property damage?
- $100
- $800
- $1,200
- $400
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Correct answer: $400
Proof must be shown when a crash results in more than $400 in property damage.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 24
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What is the minimum liability insurance Ohio requires for injury or death of one person?
- $10,000
- $15,000
- $25,000
- $100,000
Show answer
Correct answer: $25,000
The minimum requirement is $25,000 for injury or death of one person.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 24
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What is the minimum liability insurance Ohio requires for injury or death of two or more people?
- $50,000
- $40,000
- $75,000
- $100,000
Show answer
Correct answer: $50,000
The minimum requirement is $50,000 for injury or death of two or more people.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 24
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What is the minimum liability insurance Ohio requires for property damage in an accident?
- $5,000
- $10,000
- $15,000
- $25,000
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Correct answer: $25,000
The manual lists $25,000 for property damage in an accident as the minimum.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 24
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Which Ohio driver will be asked to file proof with the Bureau that he or she keeps high-risk insurance?
- A driver who accumulates six points within a two-year period
- A driver who receives a single parking ticket in a year
- A driver who accumulates 12 or more points within a two-year period
- A driver who renews a license after age 21
Show answer
Correct answer: A driver who accumulates 12 or more points within a two-year period
Drivers with serious offenses, 12 or more points in two years, or a crash without insurance must file proof of high-risk insurance.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 24
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When you register your vehicle or apply for a new, renewal or duplicate Ohio Driver License, what do you sign?
- A signed promise that you will complete a remedial driving course every year you hold a license
- A sworn statement that you will not drive without liability insurance or other financial responsibility
- A signed promise that you will pay every traffic fine within 30 days of receiving the ticket
- A signed agreement that you will file an SR-22 form each time you renew your Driver License
Show answer
Correct answer: A sworn statement that you will not drive without liability insurance or other financial responsibility
You sign a sworn statement that you will not drive without liability insurance or other financial responsibility in effect.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 24
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Until when is a parent or guardian who co-signs a minor’s license application jointly and severally liable with the minor for damages caused by negligence or willful misconduct while driving?
- Until the minor’s 16th birthday
- Until the minor’s 21st birthday
- Until the minor’s 18th birthday
- For one year after the license is issued
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Correct answer: Until the minor’s 18th birthday
The co-signer is liable with the minor until the minor’s 18th birthday.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 45
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If a minor is involved in a collision, how can the co-signer’s liability be eliminated?
- By filing proof of financial responsibility for the minor with the BMV
- By having the minor retake the driving test at a Driver Exam Station
- By sending the BMV a notarized Fifty-Hour Affidavit
- By signing the license over to another adult
Show answer
Correct answer: By filing proof of financial responsibility for the minor with the BMV
Co-signer liability can be eliminated by filing proof of financial responsibility on behalf of the minor with the Bureau of Motor Vehicles.
Source: Ohio Driver Manual (HSY 7607 10/25 (October 2025)), page 45