Cheapest SR-22 Car Insurance in Ohio (2023)

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 Insurance Co ($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 a DUI. 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.

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

• Progressive: $292 per year
• Erie: $311 per year

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

• American Family: $619 per year
• Progressive: $841 per year

Premiums tend to increase after a driving violation because insurance providers consider you high-risk and more likely to file claims. 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.

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:

• DUI, DWI 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, SR-22 must be kept on file for one to five years, depending on the severity of the offense, with repeated violations requiring more time.

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.

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

• Auto-Owners Insurance Co: $272 per year
• GEICO: $474 per year

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.

The average cost of SR-22 car insurance in Ohio for drivers with a DUI 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.

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 a DUI 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.

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.

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.

Expect your car insurance rates to increase significantly following a DUI conviction. That said, it's possible to reduce your total insurance costs by following these steps:

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