The state of Ohio (and many others) requires you to carry financial responsibility or minimum auto insurance if you have a valid driver license

- EVEN IF YOU DONT OWN A VEHICLE -

Under Ohio's tort system you can be held liable for actual damages (property damage & medical expenses), economic damages (lost wages & earning capacity) and emotional/physical pain & suffering.

The minimum limits of coverage in Ohio is $25,000 bodily injury per person, $50,000 bodily injury per accident and $25,000 for property damage.  You may see this on your policy listed as 25/50/25 or something different if you have purchased higher limits.