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Key Takeaways

  • Getting SR-22 insurance in Ohio can be expensive. A one-time cost comes up to roughly $25 for high-risk drivers to file their paperwork with the state.
  • Most auto insurance companies give good driver discounts to drivers who maintain a clean driving record. If you break a high-risk rule, you will lose access to these savings.
  • SR-22 insurance rates vary depending on the kind of violation.
  • How long you must maintain SR-22 insurance in Ohio depends on the severity of your offense.
  • Drivers who need an SR-22 form should contact an auto insurance company permitted to do business in Ohio.

What is SR-22 insurance?

Suppose your driving privileges go invalid for any reason. In that case, you might need to submit an SR-22 or proof of financial or financial responsibility to get them back. For example, this can happen if the state has marked you as a high-risk driver following a DUI or several moving offenses or if you find yourself driving a car without sufficient financial support.

How to get SR-22 insurance?

Ohio drivers with an invalid license due to a high-risk infraction through their insurance companies can submit an SR-22 to the Bureau of Motor Vehicles. To do this, you must first obtain auto insurance or a financial responsibility bond that satisfies the state's criteria.

Once they submit their SR-22 form to the Ohio Bureau of Motor Vehicles, drivers are notified (BMV). Some insurers choose not to submit SR-22s. You might need to look for another provider if this is the case with your current one.

Your premiums will probably be higher than when you had a clean driving record, even if you find a provider who will file an SR-22 on your behalf.

How long will I need the SR-22?

In Ohio, the seriousness of your offense will determine how long you need to carry SR-22 insurance. Although most offenses only require you to hold it for three years, serious ones like a hit-and-run may require a longer period. The three years begin once you reinstate your license if under suspension

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The average cost of Ohio SR-22 insurance

In Ohio, filing an SR-22 is quite inexpensive; insurers normally charge a one-time fee of $20 to the BMV. Quotes for SR-22 insurance, however, are frequently substantially more expensive than those for conventional coverage due to the incident that compelled the filing of the SR-22.

You could save hundreds of dollars annually if you obtain comparable coverage from many insurers. For example, the SR-22 premiums vary by more than $1,000 per year among the insurance providers in our study.

Insurer Average Annual Premium
Grange Insurance $698
State Farm $744
Progressive $798
Erie $1092
All State $1480
Nationwide $1792

Filing Your Ohio SR-22

Drivers who require an SR-22 form should get in touch with a car insurance provider that is authorized to operate in Ohio. They must go through an application process and pay a fee. On behalf of the driver, the insurance provider submits the document to the Ohio BMV. Plan ahead for the time required to process the documentation since it takes roughly 72 hours.

Your car insurance rates could probably go up if you have been found guilty of a serious infraction. In addition, you might need to compare prices and switch to a new vehicle insurance provider if your current provider decides to cancel your coverage or raise your premiums.

Ohio SR-22 Requirements

You must certify that you have car insurance or a financial responsibility bond that satisfies the minimum auto insurance requirements in Ohio before buying SR-22 insurance. These criteria in Ohio are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

SR-22 bond in Ohio

Drivers in Ohio can add an SR-22 filing onto a financial responsibility (FR) bond in place of insurance. These bonds are also bought from insurance companies and are ordinarily the most affordable way to satisfy an SR-22 requirement.

SR-22 bond quotations can differ between insurers, so we advise you to compare prices from different businesses. SR-22 bond insurance is comparable to non-owner auto insurance that satisfies Ohio's minimum liability standards.

For instance, you would be unable to add higher liability limits to a bond than the state-required $25,000/$50,000 bodily injury coverage and $25,000 property damage coverage. An SR-22 insurance policy for non-owners would be required instead. Since an SR-22 bond only offers liability insurance, any injuries you sustain or damage to the car you were driving if you caused an accident is not covered.

How Much More Expensive Is SR-22 Insurance Than Regular Insurance?

For a driver with a clean record, SR-22 insurance is 82% more expensive than the national average. Additionally, a fee is associated with having your insurance provider file an SR-22 on your behalf. An SR-22 normally costs at least $25 to file, depending on your location.

When do I need SR-22 insurance?

Drivers in Ohio convicted of high-risk traffic infractions like DUI, reckless driving, or driving while their license nullifies must have SR-22 insurance. Upon request, your insurer submits an SR-22 document to demonstrate that your insurance meets the minimal liability standards set by the state.

Reasons you may be required to file an SR-22:

The Ohio BMV allows you to check your driving record online to view the points on your record and whether your license has been suspended. Normally, the court would notify you of this decision.

Drivers in Ohio may also need to file an SR-22 if they have a fine for driving without insurance.

All drivers in Ohio are required to have auto insurance or another kind of financial accountability in case they are involved in an accident.

The purpose of this regulation is to ensure that if you cause an accident and are to blame, you will be able to pay for any injuries or property damage resulting.

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Nonowner SR-22 insurance in Ohio

There are different situations in which Ohio drivers need SR-22s yet do not own a car. For instance, an SR-22 may be necessary if a driver is stopped for drunk driving while using a friend's car. Drivers in this situation would need to buy non-owner insurance coverage to fulfill the SR-22 requirement.

When a driver uses a car lent to them by a friend or relative, a non-owner insurance policy covers there. Non-owner insurance frequently includes:

  • Bodily injury liability coverage
  • Liability insurance for property damage
  • Medical payments or PIP coverage
  • Liability insurance for uninsured or underinsured drivers

Non-owner insurance guarantees that the motorist meets the state's minimum standards for insurance coverage. It does not, however, provide coverage for the rented car. In addition, there is no option for adding collision or comprehensive coverage because a non-owner policy only covers the driver and not the car.

Company Average Annual Premium
USAA $193
State Farm $228
Travelers $394
Progressive $456
Nationwide $563
Farmers $667
Metlife $1219

How does an SR-22 impact your insurance in Ohio?

Your insurance rates are not affected or raised by SR-22s on their own. However, the cost to receive the form varies by state and insurance provider. On average, an SR-22 filing may cost $25. Most of the time, drivers must pay the fee before filing their certificates.

Bottom-line

All drivers in Ohio must carry at least the minimum liability insurance to legally operate a vehicle, regardless of whether they own a car or not. If you are a non-owner with your license cut and need to resume driving, you must provide the Ohio Bureau of Motor Vehicles (BMV) with an SR-22 as proof that you carry the required insurance.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

What is an SR-22 in Ohio?

You might need to provide an SR-22 or other proof of financial responsibility if your driving privileges are cut for any reason to regain them.

Where can Ohio drivers get an SR-22?

By calling their auto insurance companies and paying a one-time price of roughly $25, Ohio drivers can obtain an SR-22. The supplier sends the state's BMV an SR-22 form.

How much does SR-22 insurance cost compare to a standard policy in Ohio?

In Ohio, on average, SR-22 insurance runs about $744 a year, compared to $478 for a standard policy.

Which company in Ohio is the cheapest for SR-22 insurance?

USAA is the cheapest company in Ohio when it comes to SR-22 insurance.

How long do Ohio drivers need an SR-22?

After purchasing SR-22 insurance, you will need to keep it for roughly three years after your license restoration. Depending on how serious your breaches are, time can extend.

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