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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)…
View full comparison ↓

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
Arizona
3 years
Official source ↗
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…
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).
Official source ↗
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…
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.
Official source ↗
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 ↗
Ohio
Yes (owner and non-owner FR filings/bonds available).
See Ohio sources ↗

Costs

SR-22 filing fee same
Arizona
~$15-25 (charged by the insurer, not ADOT)
See Arizona sources ↗
Ohio
~$15-25 (charged by the insurer, not the BMV)
See Ohio sources ↗
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…
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)).
Official source ↗
Ohio
Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by…
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).
Official source ↗
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…
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.
Official source ↗
Ohio
The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry…
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.
Official source ↗

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…
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.
Official source ↗
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…
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)).
Official source ↗
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…
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).
Official source ↗
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…
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.
Official source ↗
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…
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).
Official source ↗
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…
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.
Official source ↗
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…
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).
Official source ↗
Ohio
Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under…
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).
Official source ↗

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…
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.
Official source ↗
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)…
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.
Official source ↗