Cheapest SR-22 Car Insurance in Ohio

GEICO has Ohio's cheapest SR-22 insurance premiums at $1,027 for minimum coverage and $1,913 for full coverage. That minimum rate is $780 below the state average of $1,807, or about 43% less, helping GEICO stay among the most affordable carriers for SR-22 filings.

Erie Insurance, the most expensive on our list, costs $1,620 for minimum coverage, still 10% below the state average and $593 more than GEICO. Ohio drivers can save significantly by comparing quotes from multiple SR-22 providers.

The table below shows the top five companies with the lowest SR-22 insurance rates in Ohio.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Auto-Owners most often ranks as the cheapest across categories. The least expensive group is Drivers With Other Violations, at $593 for minimum coverage SR-22 insurance with Auto-Owners, while the most expensive is Senior Drivers With a Suspension, at $1,282 with Progressive. The $689 spread shows how suspension violations increase premiums substantially regardless of age.

Your premium ultimately depends on violation severity, driving history, and how insurers weigh your SR-22 risk.

*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.

Bolivar records the lowest minimum coverage SR-22 at $703 (GEICO), while Cincinnati averages $1,200 (GEICO). The $497 gap, or about 71% higher, reflects higher traffic density and claim costs in larger cities.

ZIP-code risk data like collision rates, theft incidents, and repair costs directly influence SR-22 pricing across Ohio.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

If you need non-owner SR-22 insurance in Ohio, rates are surprisingly affordable. Some providers charge less than $15 a month for minimum coverage. Grange Insurance offers the cheapest option at just $3 per month, while larger carriers like Progressive average $33 per month. The table below shows the cheapest companies for non-owner SR-22 policies in Ohio and how much you can save compared to the state average.

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 MoneyGeek score. Also, consider Auto-Owners, Erie, GEICO and Allstate in your search.

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.

Along with using an SR-22 to comply with Ohio's minimum coverage laws, there are also other laws and regulations to understand.

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.

Below are frequently asked questions about SR-22 certifications 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.