Cheapest SR-22 Car Insurance in Ohio (2024)

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Updated: May 20, 2024

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MoneyGeek found that Progressive is the cheapest SR-22 insurance provider in Ohio for minimum coverage, costing $292 per year, while American Family offers the lowest rates for full coverage policies at $619 per year. Those who frequently drive but don’t own cars may consider Auto-Owners ($272 per year) and GEICO ($474 per year) for affordable non-owner SR-22 insurance.

Ohio drivers must file an SR-22 after committing a serious driving violation like an OVI. While the SR-22 form itself does not directly impact insurance rates, it is associated with severe driving violations that can significantly increase premiums. You can find lower insurance rates by comparing quotes from multiple providers.

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Cheapest Companies for SR-22 Car Insurance in Ohio

Why Trust MoneyGeek? Our team obtained data from the Ohio Department of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

60,776Quotes Analyzed
14Companies Compared

Cheapest Companies for SR-22 Car Insurance in Ohio

In Ohio, the cheapest SR-22 car insurance policies for drivers with OVIs looking for minimum coverage are offered by these two companies:

Meanwhile, the most affordable full coverage SR-22 policies are provided by:

Premiums tend to increase after a driving violation because insurance providers consider you high-risk and more likely to file claims — and the increase is typically applied for three to five years. Fortunately, you can still find affordable SR-22 car insurance in Ohio by comparing rates. Browse the table below for the cheapest options, with rates ranging from $292 to $3,026 annually.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
ProgressiveAnnual Premium$292Monthly Premium$24
ErieAnnual Premium$311Monthly Premium$26
American FamilyAnnual Premium$320Monthly Premium$27
Grange InsuranceAnnual Premium$428Monthly Premium$36
NationwideAnnual Premium$456Monthly Premium$38
Auto-Owners Insurance CoAnnual Premium$499Monthly Premium$42
FarmersAnnual Premium$543Monthly Premium$45
TravelersAnnual Premium$557Monthly Premium$46
AllstateAnnual Premium$646Monthly Premium$54
GEICOAnnual Premium$677Monthly Premium$56
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What Is SR-22 in Ohio?

While it's referred to as SR-22 insurance, it is not an insurance policy itself but rather a certificate of financial responsibility that is required in certain situations, including:

  • OVI or other severe traffic violations
  • Having several driving violations in a short period of time
  • Being in an accident without proper insurance
  • Driving without insurance
  • Reinstating a suspended or revoked license

In Ohio, an SR-22 must be kept on file for three years for a first offense and five years for a second offense.

Note that your insurance company will file an SR-22 form on your behalf, causing your rates to increase because you’re considered a high-risk driver.

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Upon completing the terms of your financial responsibility requirement in Ohio, your insurance company should file a Financial Responsibility Cancellation Form. This form notifies the state that your SR-22 filing period has ended and you have successfully fulfilled the necessary terms.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Ohio

These companies offer the most affordable SR-22 non-owner car insurance in Ohio:

USAA is the cheapest insurer for military personnel, veterans and their families, with policies averaging $258 annually.

Individuals who frequently drive but do not own cars may be obligated to file an SR-22, depending on circumstances such as license revocation or serious driving violations on their records. Non-owner car insurance is ideal if you need liability insurance to reinstate your license. The table below shows the cheapest companies for SR-22 non-owner car insurance in Ohio, with rates ranging from $272 to $2,421 per year.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
Auto-Owners Insurance CoAnnual Premium$272Monthly Premium$23
GEICOAnnual Premium$474Monthly Premium$39
ProgressiveAnnual Premium$475Monthly Premium$40
TravelersAnnual Premium$485Monthly Premium$40
AlliedAnnual Premium$543Monthly Premium$45
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Non-owner car insurance is for individuals who do not own a car, including renters and professional drivers. It is also a viable option for those who need to fulfill the requirement of submitting an SR-22 form to reinstate their license. This type of insurance covers third-party bodily injuries and property damage if you cause an accident while driving a car you don't own. We rounded up the cheapest non-owner car insurance options in Ohio to help you find the best deal for your budget.

Average Cost of SR-22 Car Insurance in Ohio

The average cost of SR-22 car insurance in Ohio for drivers with an OVI is $642 per year for minimum coverage and $1,293 per year for full coverage. Other traffic violations, such as speeding and at-fault accidents, may also necessitate filing this form. Generally, having driving offenses on your record can impact your premiums because you are considered a high-risk driver.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
At-Fault AccidentAnnual Premium$579Monthly Premium$48
DUIAnnual Premium$642Monthly Premium$54
TicketAnnual Premium$481Monthly Premium$40
CleanAnnual Premium$364Monthly Premium$30
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It is important to regularly compare rates for SR-22 insurance in Ohio, either annually or when you’re renewing coverage. By doing so, you can find the cheapest insurer for your budget and save money.

How SR-22 Affects Car Insurance Rates in Ohio

The impact of an SR-22 on insurance rates can vary depending on factors such as your location, driving history and the severity of the driving offense. After an OVI conviction, Ohio drivers can expect to pay around $282 more per year for minimum coverage compared to those with clean driving records.

Driving under the influence, driving without insurance, having repeat offenses in a short time frame and failing to pay court-ordered child support are some of the most common reasons for filing an SR-22.

Car Insurance Rate Comparison Based on Driving Records in Ohio

Clean Driving Record

Annual Premium for Minimum Coverage

After an OVI

Annual Premium for Minimum Coverage

Car insurance premiums after an OVI are on average: :$282 more

This is 78% more expensive.

Other Effects of SR-22 on Car Insurance in Ohio

Besides higher premiums, filing an SR-22 in Ohio can have other effects on your car insurance, like limited insurance options or policy cancellations. Below, we listed some of the consequences of needing to file this form.

Limited number of insurance options

Insurance carriers tend to view you as high risk if you have an SR-22. As a result, the number of companies willing to insure you will likely be fewer than when you had a clean driving record. You may need to find coverage with a non-standard insurer that specializes in high-risk drivers.

Possible policy cancellation

If you commit a severe driving violation, such as OVI or reckless driving, that requires filing an SR-22 form, your insurance provider may choose to drop you or cancel the remainder of your policy.

Length of required filing

For a first offense, you must have the SR-22 form in Ohio for three years. With a second offense, it is five years.

Higher liability coverage limits

Some states require higher liability limits for drivers with an SR-22. This isn’t the case in Ohio, which only mandates the following liability coverage limits:

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

If you need to file an SR-22, anticipate a filing fee that ranges from $15 to $50, depending on your state and insurance provider.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

How to Get SR-22 Insurance in Ohio

If you commit a driving violation that requires an SR-22, you must contact your insurance provider and request it to file the form on your behalf. If it doesn’t offer SR-22 form fillings, you’ll need to follow these steps:

  1. Search for an insurance company that willingly covers drivers with violations on their records.
  2. Purchase an auto insurance policy that meets the minimum liability requirements in Ohio.
  3. Request your insurance provider to file an SR-22 form on your behalf, which serves as proof of financial responsibility.
  4. Pay any required fees and keep the SR-22 form up to date.
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In Ohio, the license reinstatement fee after an SR-22 ranges from $40 to $600, depending on the reason for the suspension. It’s important to note that these fees are subject to change, so check with the Bureau of Motor Vehicles (BMV) for the latest information.

How to Get Cheaper Car Insurance in Ohio After a DUI

Expect your car insurance rate to increase significantly following an OVI conviction in Ohio, just as it would in a state that has DUI or DWI. It could be 100% more than what a driver with a clean record pays. That said, it's possible to reduce your total insurance costs by following these steps:

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    Compare quotes immediately

    Each insurance company has proprietary underwriting criteria and risk assessments, so auto insurance rates often vary significantly. Comparing quotes from several insurers can assist you in finding the most affordable car insurance in Ohio after an OVI.

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    Complete OVI classes or programs

    In some states, drivers with a DUI, DWI or OVI on their records must actively participate in classes or programs to reinstate their licenses. These classes aim to provide valuable education and strategies to prevent drunk driving in the future. Upon successfully completing the program, drivers may become eligible for lower rates with their insurance providers.

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    Look for discounts

    Many auto insurers offer discounts to policyholders who meet certain criteria. These include discounts for completing a defensive driving course or installing a tracking device. As always, check with your insurance provider for any available discount you may qualify for.

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    Practice safe driving

    Driving safely and maintaining a clean driving record is one of the most effective ways to get cheaper coverage after an OVI. Ensure to avoid committing more driving offenses and follow all traffic laws. Demonstrating you’re a responsible driver can lower your risk and potentially reduce your premiums.

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    Shop rates over time

    Even if you’ve found an affordable car insurance policy, it’s a good idea to shop around periodically to see if there’s a better deal available. As your motor vehicle record improves and you continue to show you’re a responsible driver, you may become eligible for lower premiums with other insurance companies.

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Non-standard auto insurance is ideal for high-risk drivers who find it challenging to obtain coverage. This insurance product is specifically designed for drivers with a history of accidents, DUIs, DWIs or OVIs or other high-risk factors. However, non-standard car insurance coverage is more expensive than standard car insurance policies, so anticipate higher premiums.

Frequently Asked Questions About SR-22 Insurance in Ohio

We addressed some frequently asked questions regarding SR-22 insurance in Ohio.

What are the cheapest SR-22 car insurance options in Ohio?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Ohio?
Will an OVI remain on your motor vehicle record after the SR-22 period ends?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.