SR-22 insurance in Ohio: Quotes, rankings and information

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Ohio SR-22 requirements

If you’ve committed a driving violation that demonstrated risky driving behavior in Ohio, you may be required to file an SR22 form by the state or court. If your Ohio driver’s license has been suspended, an SR-22 may be necessary in order for you to regain your driving privileges. The SR-22 insurance is filed with the Ohio Bureau of Motor Vehicles (BMV) by your insurance company on your behalf. It proves to the state that you have at least the minimum amount of auto insurance coverage required in Ohio.

If you’re required to file an SR22 in Ohio, you’ve likely heard the term SR-22 insurance. While SR-22 insurance is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost. In Ohio, SR-22 insurance after a DUI conviction costs an average of 63 percent more than car insurance for standard drivers.

SR22 insurance is required in Ohio for a certain number of years. Throughout your filing period, you’re required to maintain your SR22 insurance without a lapse in coverage. If your policy is canceled, your insurance company is required by law to report the cancelation to the Ohio BMV. This could result in penalties, such as additional license suspension.

If you maintain your Ohio SR-22 insurance for your required filing period and keep a clean driving record, you won’t need to file the form any longer after your period is up. This could result in your coverage and car insurance rates returning to normal, depending on your violation. DUIs may stay on your record for much longer.

SR-22 insurance limits in Ohio

If you’re required to have SR-22 insurance in Ohio, you’ll be required to have at least the following coverage:

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

Who needs an SR22 in Ohio?

In Ohio, SR22 insurance is required in a few scenarios in order for you to get your license reinstated. SR-22s are required after you’ve committed certain violations with the law. You may even be required to have an SR-22 if you’ve had a series of small violations within a short span of time. You could need SR22 insurance in Ohio for the following reasons:

  • Conviction for operating a vehicle under the influence (OVI) - commonly called (DUI or DWI) in most states
  • Conviction for actual physical control while under the influence
  • Driving with a revoked or suspended license
  • Driving or getting into a car accident without car insurance
  • Civil judgement that emerges from a car accident
  • Conviction for manslaughter in which a motor vehicle is used
  • Conviction for negligent homicide in which a motor vehicle is used
  • Conviction for a felony in which a motor vehicle is used

Ohio SR-22 insurance rates

If you need to file an SR-22 in Ohio, your car insurance rates will likely increase significantly. When you’re required to have an SR22, you get placed into the category of a high-risk or non-standard driver. High-risk drivers tend to pay the highest car insurance rates, but the cost of car insurance can vary by company. There are many other factors that go into the cost of SR-22 insurance such as your age, gender, location, credit score, vehicle type, marital status and so on.

One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction, which is referred to as an OVI in Ohio. On average, drivers with one OVI conviction in Ohio pay $1,381 per year for car insurance. That’s 63 percent more than car insurance for a driver with a clean driving record. However, the cost you may pay differ significantly based on the company you buy car insurance from. In the table below, you can find average rates for Ohio drivers who have one OVI conviction from some of the largest companies in the state.

Company Car insurance rate
American Family $638
USAA* $922
Geico $1,070
Farmers $1,080
Erie $1,210
State Farm $1,348
Safeco $1,371
Nationwide $1,525
Auto-Owners $1,595
Progressive $1,677
Cincinnati Insurance Company $1,731
Allstate $1,781

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Alabama will differ. Rate data is provided by Quadrant Information Services.

How to get SR22 insurance in Ohio

To get SR22 insurance in Ohio, you’ll need to contact your car insurance company. An SR-22 can only be obtained through an insurance carrier; you can’t file it on your own. If your auto insurance company offers insurance coverage to drivers who need an SR-22, your company can file the form with the state and offer you car insurance coverage. If not, you’ll need to shop for a new insurance policy from a company that offers SR22 insurance coverage.

Even if your company does offer SR22 insurance in Ohio, it may be a good idea for you to shop around for a new policy. Because SR-22 insurance significantly affects your rates in Ohio and rates can vary by company, you may want to see if a different company can offer you a better rate.

Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Ohio with at least 25 car insurance reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in Ohio, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available or visit the company’s website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

SR-22 fees in Ohio

If you get SR22 insurance in Ohio, in addition to your car insurance rates increasing, there are other fees you may be required to pay depending on your violation. You may be required to pay a fee to your insurance company to file the SR22 form on your behalf. This fee varies based on your insurance company, but it’s usually between $15 and $30. You’ll need to pay this fee on top of your car insurance rates.

If your license was suspended, you’ll be required to pay a reinstatement fee to reinstate your Ohio driver’s license. There may be other fees or fines you’re required to pay depending on your violation.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

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