GEICO offers the cheapest SR-22 insurance in Ohio at $86 monthly for minimum coverage and $159 for full coverage, 35% lower than the state's average overall. However, this only represents 40-year-old drivers with a DUI on record and Progressive, Allstate, Farmers and Auto-Owners may offer more affordable rates for your profile.
Cheapest SR-22 Car Insurance in Ohio
Updated: August 14, 2025
Advertising & Editorial Disclosure
Key Takeaways
GEICO offers the cheapest auto insurance rates for those needing an SR-22 in Ohio overall with premiums averaging $86 per month or $1,027 per year.
On average, Ohio car insurance costs when filing an SR-22 are $104 monthly for minimum coverage and $197 per month for full coverage.
Ohio requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Ohio
| GEICO | $86 | $159 | -35% |
| Progressive | $103 | $181 | -24% |
| Allstate | $109 | $193 | -19% |
| Farmers | $116 | $210 | -13% |
| Auto-Owners | $123 | $223 | -8% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in Ohio by Category
While GEICO is our pick for most drivers needing an SR-22, it only wins three out of the seven categories we studied. Auto-Owners also wins in three categories and Progressive has particularly affordable rates for senior drivers needing an SR-22.
| Most Drivers Needing a SR-22 | GEICO | $86 | $159 |
| Young Drivers With a Suspension | GEICO | $92 | $174 |
| Senior Drivers With a Suspension | Progressive | $107 | $176 |
| Drivers With Multiple Speeding Tickets | Auto-Owners | $63 | $127 |
| Drivers With Racing Violation | Auto-Owners | $55 | $118 |
| Drivers With Hit-And-Run Accident | GEICO | $83 | $155 |
| Drivers With Other Violations | Auto-Owners | $49 | $113 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
Cheapest Personalized SR-22 Car Insurance in Ohio
While we've broken down the general winners for our base profile and common categories, the range of cheapest providers for you is more personalized. The table below shows the top five lowest-cost providers by age, gender, coverage level, credit and driving record to match you with the right affordability fit.
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| GEICO | $240 | $2,876 | -28% |
| Nationwide | $293 | $3,516 | -12% |
| Allstate | $303 | $3,636 | -9% |
| Farmers | $370 | $4,435 | 11% |
| Travelers | $394 | $4,722 | 18% |
Cheapest SR-22 Car Insurance in Ohio by City
GEICO is the cheapest SR-22 car insurance provider in all cities in Ohio, with rates as low as $59, depending on your city. Below, you can review its rates for major cities in the state.
| Akron | GEICO | $83 |
| Bolivar | GEICO | $59 |
| Cincinnati | GEICO | $100 |
| Cleveland | GEICO | $92 |
| Columbus | GEICO | $88 |
| Dayton | GEICO | $70 |
| Dillonvale | GEICO | $63 |
| Grove City | GEICO | $73 |
| Toledo | GEICO | $100 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Ohio
Overall, Progressive is the best car insurance provider for SR-22 filing because it offers the greatest balance of affordable rates, good customer service, useful coverage options and the highest overall MG (MoneyGeek) score. However, you should also consider Auto-Owners, Erie, GEICO and Allstate in your search.
| Progressive | 4.58 | 2 | 4 | 2 |
| Auto-Owners | 4.50 | 5 | 1 | 7 |
| Erie | 4.39 | 8 | 2 | 4 |
| GEICO | 4.36 | 1 | 7 | 8 |
| Allstate | 4.29 | 3 | 9 | 5 |
Progressive: Best Cheap Overall
pros
Second-lowest rates for SR-22 policies overall
Great customer service reputation
Useful add-on coverage selection for those with suspended licenses
cons
Not the best cheap option for those with suspensions due to non-driving violations
COMPANY HIGHLIGHTS
While not the most affordable company overall, Progressive offers a great balance of service and lower rates than average, especially for seniors and those with a DUI on their record. To avoid higher rates, Progressive offers add-on coverages, including accident forgiveness and a disappearing deductible. Progressive is a company you can trust, with over 63,000 customers nationwide giving their services an average score of 4.3 out of 5.0.
How Much Is SR-22 Car Insurance in Ohio?
Overall, Ohio SR-22 car insurance costs an average of $1,243 per year for minimum coverage and $2,367 annually for full coverage policies. This makes the state the 12th in affordability for minimum coverage and ninth for full coverage. However, rates can range anywhere from $59 monthly to $557 per month due to differences in driver profiles.
| Minimum Coverage | $104 | $1,243 | -41% |
| Full Coverage | $197 | $2,367 | -41% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Ohio City
In our study of Ohio SR-22 insurance, we found that Bolivar is the city with the lowest rates on average of $76 monthly and Cincinnati is the most expensive with premiums of $114 per month. Below you can review costs for major cities in the state for both full and minimum required coverage policies.
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Coverage Type:Minimum Coverage
| Akron | $103 | $1,238 |
| Bolivar | $76 | $913 |
| Cincinnati | $114 | $1,368 |
| Cleveland | $106 | $1,277 |
| Columbus | $107 | $1,282 |
| Dayton | $100 | $1,197 |
| Dillonvale | $80 | $965 |
| Grove City | $98 | $1,172 |
| Toledo | $111 | $1,334 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Ohio SR-22 Insurance Requirements
An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't insurance but a form your insurer files to confirm you meet Ohio's Financial Responsibility law for license reinstatement.
To comply with Ohio laws, you must carry these minimum liability limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $25,000 property damage liability per accident
In the state, SR-22 certificates are usually required for three years. It can be extended to five years or more, depending on the violation and if there is noncompliance with requirements or repeated offenses.
TYPES OF SR-22 FILINGS
There are multiple types of SR-22 insurance filings, and their coverages differ. A traditional filing policy (SR-22 Owners Certificate) only covers the owner when driving their car, while non-owner SR-22 insurance in Ohio (SR-22 Operators Certificate) covers you for driving vehicles you don't own.
You can also file a joint SR-22 called an SR-22 Operators-Owner Certificate, which covers you for both (in other words, getting a traditional and non-owners policy).
Other Ohio SR-22 Insurance Laws and Regulations
Along with using an SR-22 to comply with Ohio's minimum coverage laws, there are also other laws and regulations to understand.
- First offense: three-year SR-22 requirement
- Second offense within five years: one-year suspension with continued SR-22 requirement
- Third offense within five years: two-year suspension with continued SR-22 requirement
Fees
The SR-22 filing fee itself typically ranges from $50 to $65 while license reinstatement fees range from $15 to $650, depending on the violation type. Ohio also offers payment plans for fees exceeding $150.
Coverage lapses and cancellations
If your SR-22 insurance lapses or is canceled, your insurance company must notify the Ohio BMV immediately. This will result in your license being suspended again until you file a new SR-22 and meet reinstatement requirements.
Duration of SR-22
The requirement is for three years, but it can be up to five years if a more serious violation, including injuries, death or high levels of property damage, is committed.
For all other noncompliance-related suspensions not from driving violations, the length of the requirement is the following:
Filing process
To file an SR-22 in Ohio, contact an insurance company licensed to do business in Ohio and buy a policy that satisfies Ohio's minimum requirements. The insurance company then electronically files the SR-22 with the Ohio BMV and processing of this takes an average of 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Ohio offers its own high-risk car insurance program called OAIP which uses a company called AIPSO to match you with guaranteed coverage if you are considered too high risk and have been denied at least once.
Cheap SR-22 Insurance in Ohio: Bottom Line
In Ohio, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
SR-22 Insurance Ohio: FAQ
Below are frequently asked questions about SR-22 certifications in Ohio:
What are the cheapest SR-22 car insurance options in Ohio?
GEICO offers Ohio's cheapest SR-22 car insurance, with an average monthly rate of $86 for minimum coverage. Progressive and Allstate are the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Ohio?
Filing an SR-22 increases car insurance rates in Ohio by 41% compared to drivers with clean records.
How long do you need to have an SR-22 in Ohio?
In Ohio, you must maintain an SR-22 and continuous insurance coverage for three to five years. Failing to keep coverage resets the SR-22 period and may result in extra penalties.
How We Decided the Best and Cheapest SR-22 Insurance in Ohio
MoneyGeek analyzed hundreds of thousands of quotes across Ohio to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
Ohio SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
- 40-year-old male
- Driving record with a DUI
- 2012 Toyota Camry LE
- 12,000 miles driven annually
- Suspended license
- Single
- No claims history
Coverage Levels and Deductibles
We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Ohio's minimum coverage requirements, with the following limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $25,000 property damage liability per accident
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
- Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
- Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive insurance reviews." Accessed July 14, 2025.