What are the penalties for a fake insurance card in Ohio?

My partner has been using a fake insurance card in Ohio for almost a year now because he thinks insurance is overpriced. I keep telling him he’s going to get caught one day—if he does, what are the penalties?

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Answer provided by
Andrea Barrett
Answered on Jun 06, 2022
Having valid car insurance is mandatory in every state, and if you’re caught with a fake insurance card in Ohio, you may be charged with insurance fraud and face penalties for driving without insurance.
On top of that, you’ll also have your license, vehicle plates, and registration suspended for a first offense. There is a $160 fee to get the plates back—a $100 reinstatement fee, a $50 compliance fee, and a $10 registrar service fee. For three to five years, the state also requires you to file an SR-22.
Any subsequent offenses are subject to harsher penalties, including:
  • $360 restoration fee for vehicle registration and license plates and $660 for third offense or more
  • License suspension for one year for a second offense and two years for a third or subsequent
  • Vehicle and license plates confiscated for 60 days for a second offense
  • Vehicle impounded and sold and five-year suspension on registering vehicles for third or subsequent offense
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