Ohio’s automobile residual market consists of licensed drivers unable to purchase automobile insurance through Ohio’s voluntary market due to a variety of factors, such as their driving history or status as a first-time driver. The OAIP often charges the highest rates in the state and is a “last resort” for licensed drivers that can’t obtain auto insurance coverage elsewhere.

The insurance industry established a mechanism in each state as a means to provide coverage for these drivers unable to obtain insurance coverage. However, each OAIP applicant is required to meet eligibility requirements as specified in the Ohio Automobile Insurance Plan manual.


Download OAIP

(PDF format)

Personal Application

Commercial Application

LAD Agreement with Excused Companies

Change Request Form

View OAIP annual reports

You must register with AIPSO before you can view the OAIP Manual

Register online



Have questions? Answers for consumers, producers and insurers are just a click away…
What are the eligibility requirements for an applicant? Learn who is, and who isn’t eligible in this section.

Ohio Automobile Insurance Plan
172 E. State Street, Suite 201, Columbus, Ohio 43215-4321 Phone: 614-221-2596 E-mail: oaip@ohioinsurance.org

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