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Arizona vs Ohio
Bottom line
Ohio requires more property-damage coverage than Arizona ($25,000 vs $15,000). Both require an SR-22 for certain violations, though Arizona files for 3 years versus Ohio's 1. Arizona generally has lower license-reinstatement costs.
✓ Official government sources
✓ Last verified June 2026
✓ 36 fields reviewed
✓ Source links on every value
Important differences between Arizona and Ohio
The differences drivers should know.
Property damage
Arizona$15,000
Ohio$25,000
→ Ohio requires more property-damage coverage.
UM/UIM requirement
ArizonaOptional — not part of the required minimum. UM/UIM must be offered by the insurer and may be rejected…
OhioOptional — not part of the required minimum (insurers must offer; driver may reject in writing).
Filing duration
Arizona3 years
OhioScenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court…
→ Arizona requires a longer SR-22 filing (3 vs 1 years).
Clock starts from
ArizonaFrom the effective date of the suspension (not the reinstatement date). Judgment-suspension cases vary…
OhioFRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs…
Non-owner SR-22
ArizonaYes — a non-owner SR-22 policy is available for people who don't own a vehicle but must meet the…
OhioYes (owner and non-owner FR filings/bonds available).
License reinstatement
ArizonaScenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based…
OhioScenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101.…
→ Arizona costs less to reinstate.
Registration reinstatement
Arizona$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance…
OhioThe FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate…
→ Arizona costs less to reinstate.
No-insurance, first offense
ArizonaMinimum civil penalty $500 (1st violation), plus a 3-month suspension/restriction of driving privileges…
OhioAdministrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st…
No-insurance, repeat offense
Arizona2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+…
OhioLicense lost 1 year (2nd) / 2 years (additional offenses); reinstatement $300 (2nd) / $600 (3rd+).…
DUI suspension
Arizona1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381…
OhioOVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd =…
DUI fine range
ArizonaStandard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges),…
OhioOVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4…
Driving while suspended
ArizonaDriving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1…
OhioDriving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle…
CDL consequence
ArizonaPer §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321),…
OhioAn OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test)…
Recent law changes
Changes verified from official state sources.
Arizona2020-07-01 — minimum liability limits raised from 15/30/10 to 25/50/15 (ARS §28-4009, enacted by HB 2534, 2019).
Ohio2025-04-09 — OVI statute §4511.19 amended (SB 100 / HB 37, GA 135).
Full comparison
Every compared field, with the official source on each value.
Coverage
Bodily injury / person same
Bodily injury / accident same
Property damage
UM/UIM requirement
Arizona
Optional — not part of the required minimum. UM/UIM must be offered by the insurer and may be rejected in writing.
See Arizona sources ↗Ohio
Optional — not part of the required minimum (insurers must offer; driver may reject in writing).
See Ohio sources ↗SR-22 / FR-44
SR-22 required same
FR-44 required same
Filing duration
Ohio
Scenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court suspensions: proof of FR (SR-22) must be maintained…
Official source ↗Full details
Scenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court suspensions: proof of FR (SR-22) must be maintained through the reinstatement and runs with the court suspension term (OVI suspensions range 1 yr to 12 yrs depending on offense count, §4511.19).
Clock starts from
Arizona
From the effective date of the suspension (not the reinstatement date). Judgment-suspension cases vary and require contacting MVD.
Official source ↗Ohio
FRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs with the court-ordered suspension and continues…
Official source ↗Full details
FRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs with the court-ordered suspension and continues past reinstatement.
Non-owner SR-22
Arizona
Yes — a non-owner SR-22 policy is available for people who don't own a vehicle but must meet the requirement after a serious traffic offense.
Official source ↗Costs
SR-22 filing fee same
License reinstatement
Arizona
Scenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based application fee ($10 age 50+, $15 ages 45-49, $20…
Official source ↗Full details
Scenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based application fee ($10 age 50+, $15 ages 45-49, $20 ages 40-44, $25 age 39 and under or any age with a Travel ID) + SR-22 + (for alcohol/drug cases) interlock and substance-abuse evaluation. Admin Per Se suspension: additional $50. Financial-responsibility (accident) suspension: $10 driver license + $25 registration/plate (§28-4144(C)(2)(b)).
Ohio
Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by…
Official source ↗Full details
Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by §4511.191(F)(2) (commonly ~$475, higher for repeat offenses).
Registration reinstatement
Arizona
$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance registration suspension, the consumer path is a…
Official source ↗Full details
$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance registration suspension, the consumer path is a $50 fee plus current proof of insurance where prior-coverage proof can't be produced.
Ohio
The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry…
Official source ↗Full details
The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry their own reinstatement.
Penalties
No-insurance, first offense
Arizona
Minimum civil penalty $500 (1st violation), plus a 3-month suspension/restriction of driving privileges (§28-4135(E)(1)).
Official source ↗Ohio
Administrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st offense: license lost until requirements met; $40…
Official source ↗Full details
Administrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st offense: license lost until requirements met; $40 reinstatement. Driving during an FRA suspension (§4510.16) is an unclassified misdemeanor, fine up to $1,000.
No-insurance, repeat offense
Arizona
2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+ within 36 months: minimum $1,000 + 1-year…
Official source ↗Full details
2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+ within 36 months: minimum $1,000 + 1-year suspension of license, registration, and plates, with SR-22 required on reinstatement (§28-4135(E)(2)-(3)).
Ohio
License lost 1 year (2nd) / 2 years (additional offenses); reinstatement $300 (2nd) / $600 (3rd+). SR-22 maintained 1 year.
Official source ↗DUI suspension
Arizona
1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381 conviction itself does not revoke on a 1st. 2nd…
Official source ↗Full details
1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381 conviction itself does not revoke on a 1st. 2nd within 84 months (§28-1381 or §28-1382): driving privilege revoked at least 1 year; special ignition-interlock restricted license possible after 45 days. Aggravated DUI (§28-1383, felony): revocation with no new license issued for at least 1 year (per §28-1385 period for the child-passenger variant). All convictions carry mandatory ignition interlock (§28-3319).
Ohio
OVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd = 2-12 years; 4th/5th+ (felony F4) = class two…
Official source ↗Full details
OVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd = 2-12 years; 4th/5th+ (felony F4) = class two suspension (3 years to life). Limited driving privileges and IID/unlimited-privileges options available per §4510.13 / §4510.022.
DUI fine range
Arizona
Standard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges), min 10 days jail (suspendable to 1 with…
Official source ↗Full details
Standard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges), min 10 days jail (suspendable to 1 with treatment); 2nd = ≥$500 + two $1,250 assessments, min 90 days jail. Extreme §28-1382: BAC 0.15-0.20 = ≥$250 + $250 abatement + two $1,000 assessments, min 30 days jail; super-extreme BAC ≥0.20 = ≥$500, min 45 days jail. Aggravated §28-1383 (felony): ≥$750 + $250 abatement + two $1,500 assessments, mandatory prison (4 or 8 months by priors).
Ohio
OVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4 felony) $1,540-$10,500. Mandatory minimum…
Official source ↗Full details
OVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4 felony) $1,540-$10,500. Mandatory minimum jail/intervention escalates with each offense.
Driving while suspended
Arizona
Driving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1 misdemeanor (§28-3473). Arizona's general class 1…
Official source ↗Full details
Driving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1 misdemeanor (§28-3473). Arizona's general class 1 misdemeanor ceilings are up to 6 months jail and up to a $2,500 fine plus surcharges (ARS §13-707 / §13-802).
Ohio
Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under…
Official source ↗Full details
Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under FRA suspension (§4510.16): unclassified misdemeanor, fine up to $1,000. General driving-under-suspension (§4510.11): M1. Driving under a 12-point suspension (§4510.037): M1, minimum 3-day jail (non-suspendable).
CDL
CDL consequence
Arizona
Per §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321), driving a CMV under the influence or with BAC…
Official source ↗Full details
Per §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321), driving a CMV under the influence or with BAC ≥0.04, leaving the scene, using a vehicle in a felony, causing a fatality by negligent operation, driving a CMV while already disqualified, OR a regular DUI committed in a personal (non-commercial) vehicle (chapter 4, article 3 violation). 3 years if the offense occurred while hauling placarded hazmat. Lifetime for two or more such offenses (reducible to 10 years by rule). Permanent for a controlled-substance trafficking felony or a human-trafficking offense committed with a CMV. Out-of-service-order violations: 180 days / 2 years / 3 years. Railroad-crossing violations: 60 / 120 days / 1 year. Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days. CDL alcohol threshold is 0.04. Disqualification begins 10 days after MVD logs the conviction.
Ohio
An OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test) disqualifies a CDL for 1 year (1st) or life (2nd)…
Official source ↗Full details
An OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test) disqualifies a CDL for 1 year (1st) or life (2nd) (§4506.16(D)). Disqualification is 3 years if hauling hazmat at the time. Per §4506.16(F), the offense counts even when committed in a personal (non-commercial) vehicle if it occurred after the person obtained the CDL or on/after 9/30/2005. A test refusal also = immediate 24-hour out-of-service (§4506.17). Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days.