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Ohio SR22 Insurance Coverage Basics

SR22 Experts Specialize in Ohio SR22 Insurance Products. With thousands of SR22 policies sold, SR22 Experts have the resources, experience, and customer support to find you the right Ohio SR22 at the lowest price. As Insurance Brokers, we’re not tied to any specific company. Our objective is to find the right product that matches your legal requirements and budget. SR22 Experts routinely find Ohio SR22 policies that are thousands of dollars less than competing quotes… simply by shopping the market at the time of purchase. Let SR22 Experts find you the lowest price on your today! Call Now or enter your information into our Quoting Engine!

Ohio SR22 Insurance

Learn More About Ohio SR22 Insurance:

Ohio SR22 Insurance or SR22 Bond

The Ohio Bureau of Motor Vehicles may require you to carry SR22 insurance or an SR-22 bond. Both insurance and bonds provide liability insurance for at least the state minimum coverage level but insurance can provide more options.

What is an SR22 bond?

The bond will provide liability protection of $12,500 per person and $25,000 per accident plus $7,500 for property damage. This type of bond will cover you no matter which car you are driving and is often referred to as Ohio’s Financial Responsibility Filing. Remember that the bond is only for liability protection and it will not insure your vehicle.

Should I buy an SR22 bond or SR22 insurance policy?

If you are only looking to fulfill your court ordered requirements and don’t care to protect your vehicle or yourself against uninsured drivers than a bond will work. An SR-22 insurance policy will provide the state with your court required documents plus add benefits such as comprehensive and collision coverage for your vehicle. Most people opt for the insurance policy. Get SR22 insurance quotes from local companies to compare rates fast.

Reasons you may be required to have an SR22:

  • 12 points on your license
  • Involved in accident without insurance
  • Driving under the influence (DUI)
  • Traffic violation while driving without insurance

How much does SR22 insurance cost in Ohio?

Most insurance companies will charge a filing fee of $25 to $50 to add the SR-22 form to an auto insurance policy. The type of policy can be liability only, full coverage, or a non-owner policy. With regards to the cost of such policy it truly depends on the following factors and not directly related to the SR22 filing in OH:

  • Age
  • Address
  • Credit History
  • Driving Record
  • Vehicle Model

Ohio SR22 Laws

Do not let the insurance policy lapse or cancel as the provider will notify the state and your license will be suspended again. The SR22 is an add on to a standard auto insurance policy that guarantees the state will be notified of any change in status and is commonly referred to as a future financial responsibility filing. You can change insurance companies but be sure to get a new SR22 filed before the old one is cancelled.

Ohio SR22 law  requires the filing for three years from the suspension date or 5 years if you were not carrying insurance at the time.

Ohio SR22 Insurance Requirements

The state of Ohio requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:

  • $12,500 Per Person Bodily Injury
  • $25,000 Per Accident Bodily Injury
  • $7,500 Property Damage

While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.

Suspended License and Reinstatement

In Ohio you may get your license suspended for one of the following reasons:

  • 12 points on driving record within a two year period
    • 6 month suspension
  • Child support order is in default or person failed to comply with warrant
    • Indefinite suspension until in compliance
  • First Offense OVI or DUI – operating a vehicle over the legal limit of alcohol   concentration or drug abuse
    • Suspension determined by court
  • Habitual OVI offender – convicted 3 or more times within the preceding 3 year period
    • Court ordered and must complete treatment/rehab program

Driving Under the Influence (DUI) in Ohio

In Ohio driving while under the influence of alcohol and/or drugs is unlawful if over a certain blood alcohol content (BAC). The following are limits set by law depending on the type of driver:

All Drivers – BAC LIMIT = 0.08%

Minor Drivers (under age 21) – BAC LIMIT = 0.02%

Commercial Drivers – BAC LIMIT = 0.04%

Implied Consent Law in Ohio

If you refuse to submit a chemical test in Ohio these are the following penalties:

  • First Refusal of Test – Drivers license suspension for 1 year
  • Second Refusal of Test – Drivers license suspension for 2 years
  • Third Refusal of Test – Drivers license suspension for 3 years
  • Fourth Refusal of Test – Drivers license suspension for 5 years

Drunk driving cases in Ohio are often referred to as Ohio OVI (operating a vehicle while intoxicated), Ohio OMVI (operating a motor vehicle while under the influence or intoxicated), and Ohio DUI (driving under the influence of alcohol).

Ohio IID (Ignition Interlock Program)

Some drivers will need to install an ignition interlock device to adhere to Ohio state law. These drivers have been convicted of a DUI or other alcohol related driving offense. This device is installed in each vehicle that the driver operates and must be from a certified installation center.

Here are some approved installation centers:

LifeSafer Interlock


Do not remove the installed device prior to your suspension period as it will require you to start the suspension over again.

SR22 Experts quote the following products: Florida FR44, Virginia FR44, Colorado SR22, Florida SR22, Illinois SR22, Indiana SR22, Indiana SR50, Ohio SR22, Oregon SR22, South Carolina SR22, Tenessee SR22, Texas SR22, Virginia SR22, Washington SR22, and Georgia SR22A.

While we shop MANY companies to find the lowest rate available, be careful to not shop on price alone. You’re going to want an agent/agency that’s familiar with the system so your policy is properly submitted and acknowledged by the DMV. We sell thousands of SR22’s and FR44’s every year, which makes us experts in this market. Improperly submitted paperwork is often an issue with lesser experienced agencies. This can cause you to owe additional fees, incur a longer suspension duration, and/or other unwanted repercussions. Experience is critical!