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Auto Insurance Laws For Your Car Ohio automobile insurance laws are different than the laws of other states, so you need to find out what your state's law says about auto insurance. You also need to understand what these laws mean for you. Most states require you to carry automobile insurance in the event you cause an accident. Ohio law does not require you to have this coverage and does not allow you to drive on any public roads without it. You will be required to get it from a licensed insurer. There are some exemptions to this law, an