Preface
Chapter 1:
Automobile Insurance
Chapter 2:
Auto Crash Statistics
Chapter 3:
Drinking and Driving Statistics
Chapter 4:
Property Insurance
Chapter 5:
Insurance-Related Crimes
Chapter 6:
Selected Insurance Laws
- Ohio’s Financial Responsibility Law
- Ohio’s Comparative Negligence Law
- Child Safety Restraint Laws
- Ohio’s Safety Belt Law
- Auto and Homeowners Insurance Cancellation Laws
- Speed Limit Laws
- Ohio’s Point System for Traffic Violations
Graduated Licensing Law
- Ohio’s Inspection Law for Salvage and Self-Assembled Vehicles
- The McCarran-
Ferguson Act: Regulating the Industry
- Ohio’s Revised Uninsured/
Underinsured Motorists Insurance Law

Chapter 7:
General Reference

Glossary of Insurance Terms
OII Sound-Off Page

Graduated Licensing Law

Graduated licensing is a system designed to delay full licensure, allowing beginners to obtain their initial experience under lower risk conditions. It allows young drivers to improve their skills and driving habits, and restricts nighttime driving, when most teen driver accidents occur. As of October 2001, 40 North American jurisdictions (34 states, the District of Columbia, 4 Canadian provinces, and 1 Canadian territory) have three-stage graduated licensing programs.

Am. Sub. SB 35, Ohio’s graduated licensing law bill, was signed into law on December 1, 1997. The state’s full graduated licensing law went into effect January 1, 1999.

What is graduated licensing?

The three graduated licensing stages, as defined by the National Highway Traffic Safety Administration (NHTSA), are:

  • Stage 1: Learner’s permit. Components of this stage include requiring teen drivers to pass vision and knowledge tests; driving with a licensed adult age 21 or older and requiring that all occupants wear seat belts. Other requirements include a blood alcohol concentration (BAC) level set at zero or near-zero tolerance, that the young driver remain traffic-offense and alcohol-offense free in order to move up to the next stage and that the permit’s appearance is distinctive from other drivers licenses. In an optimal system, the minimum age for a learner’s permit is 16 and requires holding a permit for at least six months.

  • Stage 2: Intermediate or probationary license. Drivers complete Stage 1 and pass a road test. It requires that all occupants wear seat belts, that state laws address a BAC level at zero or near-zero tolerance, that a licensed adult be required to accompany the teen driver during late night hours, and that the driver remain traffic-offense and alcohol-offense free for 12 months in order to obtain a full license. Optimal Stage 2 provisions include nighttime driving restrictions starting at 9 or 10 p.m., teenage passenger restrictions and full licensure not before age 18.

  • Stage 3: Full-privilege license. Available at age 18, upon completion of the probationary licensing stage.

Graduated licensing systems are not a panacea, but they can reduce the motor vehicle injury problem for young people. In states that have elements of graduated licensing, the benefits are becoming evident.

Initial results from Ohio’s graduated licensing law

A report released by the Ohio Department of Public Safety (ODPS) in January 2001 found that teens are safer behind the wheel due to Ohio’s Graduated Driver License (GDL) law. Since the law’s enactment, it’s estimated that 30 lives have been saved. In addition, teen drivers license suspension rates have increased 261%.

Other findings include:

  • In comparing crash data of those licensed under GDL with those who weren’t, overall crash rates decreased by 23%. Young driver “at-fault” crashes decreased by 1%.
  • Males saw a much larger decrease in crashes than females.
  • Crashes involving young drivers and alcohol use have decreased.
  • Overall traffic conviction rate of young drivers decreased by 15%.

Future evaluations of Ohio’s GDL program are planned.

Other GDL studies

Florida instituted a graduated licensing program for its young drivers in July 1996. A crash study comparing data for 1995–97 with similar data from Alabama, which did not have graduated licensing, found that for 15-, 16- and 17-year-olds combined, there was a 9% reduction in the fatal and injury crash involvement rate in Florida in 1997, compared with 1995. Crashes declined significantly among Florida’s 15 year-olds and to a lesser degree for 16 year-olds, which was not found in Alabama.

An evaluation of one of the oldest graduated licensing programs in North America was released in December 1999 by the Insurance Institute for Highway Safety (IIHS). Crashes involving 16-year-old beginning drivers in Nova Scotia, who have been subject to a GDL program since 1994, were down 24% and injuries were down 34% in the first year. Crash rates for all novice drivers, regardless of age, also declined 19%. A three-year analysis of crash statistics from Nova Scotia showed a 37% reduction in the number of crashes involving drivers age 16, compared to what would have been expected without a GDL program.

Other teen driver findings

According to IIHS about 41% of 1998–2000 teenage motor vehicle deaths occurred between 9 p.m. and 6 a.m. Studies of night driving curfews indicate that crash reductions of 60% or more can be achieved during restricted driving hours. Ohio’s law includes nighttime driving restrictions.

Low BAC thresholds for young drivers also reduce the problem. An underage driver in Ohio who has a BAC level of .02% or more faces penalties under a charge called Operating a Motor Vehicle After Underage Alcohol Consumption.

Another study published in the March 22, 2000 edition of the Journal of the American Medical Association confirms what many have long suspected regarding teen passengers. The study found that 16-year-old drivers carrying one passenger were 39% more likely to get killed than those driving alone. That increased to 86% with two passengers and a whopping 182% with three or more. Driver distraction is the main reason for the rise in risk. The rate for 17-year-olds was even higher: 4%, 158% and 207% respectively.

Ohio’s graduated licensing law limits the number of passengers to the number of safety belts installed in a vehicle.

Although 46 states and Washington DC have graduated licensing laws, IIHS says that only nine states have laws that are strict enough to reduce teen deaths.
(The Wall Street Journal, 1/11/02)

Ohio’s Graduated Licensing Law Provisions

Age and other restrictions for temporary permit holders:

  • A temporary permit can be obtained at age 15 1/2. The permit is valid for one year, and must be held for at least six months prior to becoming eligible for a probationary (also called an intermediate) license.
  • Temporary permit holders must carry their temporary permit and an identification card with them while operating a vehicle.
  • Temporary permit holders under age 16 must be accompanied by an “eligible adult,” which is defined as a parent, guardian, legal custodian, licensed driving instructor or a licensed driver age 21 or older acting in loco parentis. The eligible adult must have a valid drivers license and occupy the front passenger seat.
  • Temporary permit holders age 16 or older must be accompanied by a licensed driver age 21 or older while driving. The adult must occupy the front passenger seat.
  • All vehicle occupants under the age of 16 must wear safety belts when being driven by a temporary permit holder.
  • The number of vehicle occupants is limited to the total number of originally installed safety belts.

Drivers training certification:

  • Holders of temporary permits are required to verify completion of 50 hours of driving with a parent or guardian, including 10 hours of nighttime driving. This is in addition to the driver education requirement that both public and private driver education courses consist of a minimum of 24 hours of classroom instruction and 8 hours behind the wheel. This must be completed by all temporary permit holders under age 18 prior to obtaining their probationary license. A probationary drivers license is defined as a license issued to anyone under age 18.

Probationary drivers license eligibility:

  • In order to be eligible for a probationary license, a temporary permit holder must complete the driver training certification requirements noted above and have held a temporary permit for at least six months. This means that a person must be at least 16 before being eligible for the next licensure step, a probationary or intermediate drivers license.
  • The temporary permit holder must also pass the Ohio Bureau of Motor Vehicles’ driving and maneuverability test prior to issuance of a probationary license.
  • A probationary license is held until the age of 18 when full driving privileges without restrictions become available to those completing the probationary licensing stage.

Curfew restrictions:

  • Temporary permit holders under age 17 are prohibited from operating a motor vehicle between 1 and 5 am unless accompanied by an “eligible adult,” as defined under section one. This is a secondary enforcement violation meaning that if a person is stopped on another alleged traffic violation, this can also be enforced.
  • Probationary drivers license holders under age 17 are prohibited from operating a motor vehicle between 1 and 5 am unless accompanied by a parent or guardian, with the following exceptions: If the probationary drivers license holder is driving to or from work, to or from a school activity or in an emergency situation. This is also subject to secondary enforcement.

Penalties for traffic violations and other offenses:

  • During either the temporary or probationary licensing stages, there is a 90-day license suspension for accruing two moving violations before age 18, and a one-year suspension for three moving violations.
  • Temporary permit and probationary license holders who are convicted of certain traffic related violations before age 18 can also lose their license for six months.
  • A temporary permit can be canceled or revoked for six months if the permit holder is convicted of any alcohol-related offense, including alcohol consumption or purchase. If the offender is not yet 15 1/2, the offender will not be eligible for a temporary permit until the age of 16.

Full licensure eligibility:

  • Successful completion of the probationary licensing requirements.
  • Licensee meets the minimum age requirement, which is 18.


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172 E. State Street, Suite 201
Columbus, Ohio 43215-4321