A commercial motor vehicle: Do you currently have car insurance? Insurance is mandatory to drive in Ohio Yes I have insurance. But please show me your best quotes. No, please help me find the best insurance. Question A commercial motor vehicle: Answers May be driven without a CDL if the vehicle will not be driven out of the state. May be driven without a CDL if the driver plans to get a CDL soon. Must be driven by a driver with a CDL. Explanation It is illegal to operate a CMV without a CDL. Violations may be punished by fines and/or jail time.