Cheapest SR-22 Car Insurance in Ohio (August 2024)

An SR-22 is a certificate of financial responsibility, not a car insurance policy. In Ohio, you or your insurer must file it after serious moving violations like a DUI. While the SR-22 doesn’t raise your premiums, the associated violations can. Ohio requires minimum liability coverage of 25/50/25, especially for OVI (operating a vehicle impaired) cases. Your insurer must notify the state of your compliance.

For SR-22 coverage, American Family offers the most affordable minimum coverage option at $307 per year, followed by Progressive at $384. If you don’t own a vehicle but need SR-22 coverage, Auto-Owners provides the cheapest non-owner policy at $272 annually, with GEICO offering a similar plan for $474 per year.

The cheapest companies for minimum coverage SR-22 car insurance in Ohio are:

• American Family: $26 per month; $307 per year
• Progressive: $32 per month; $384 per year

The least expensive providers for full coverage SR-22 insurance in Ohio are:

• American Family: $50 per month; $604 per year
• Nationwide: $78 per month; $938 per year

After a moving violation, your insurance rates may rise as insurers see you as a higher risk. Yet, you can still find cheap SR-22 car insurance by comparing quotes from various insurers.

The companies with the cheapest non-owner SR-22 insurance for those with a minor accident on record are:

• Auto-Owners: $23 per month; $272 per year
• GEICO: $39 per month; $474 per year

Non-owner car insurance meets liability coverage requirements for drivers who need an SR-22 but don’t own a vehicle. This is useful for those with a suspended or revoked license or serious traffic violations, ensuring compliance with legal requirements without overpaying.

An SR-22 is a certificate your insurer files with Ohio's Public Safety Department to prove you meet the state's minimum car insurance requirements after serious traffic offenses like DUI, driving without insurance or repeat traffic offenses. It's not actual insurance coverage. You or your insurance company can file it, and it's required for three years in Ohio. If your SR-22 is canceled, terminated or lapsed, your insurance provider will notify the state immediately.

An SR-22 confirms you have the following minimum car insurance requirements in Ohio:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

If you don't own a car, the state may require you to get SR-22 non-owner car insurance instead. Remember, an insurance policy card is not a substitute for an SR-22 form.

Ohio drivers or their insurance companies must file an SR-22 to maintain driving privileges after certain violations. This proves having the state-required minimum auto insurance coverage for three years following these infractions:

Filing an SR-22 in Ohio can lead to higher rates, coverage denials or policy cancellations mid-term. Keep your insurance active, as a lapse could restart the three-year SR-22 requirement period. Knowing the consequences helps avoid further issues with your driving privileges and insurance.

Here's how an SR-22 negatively impacts your car insurance:

The average annual cost of SR-22 insurance in Ohio for a driver with a DUI is $666 for minimum coverage and $1,461 for full coverage. For those with a clean record, it's $356 for minimum and $803 for full coverage. This shows how much a DUI can increase premiums.

It's the violation, not the SR-22 itself, that raises rates. Repeat or severe offenders may face non-renewal or higher premiums. The SR-22 requirement typically lasts three years, during which you must maintain 25/50/25 liability coverage to avoid penalties.

Filing an SR-22 in Ohio is mandatory after certain serious traffic violations, like DUI or driving without minimum coverage. Not filing can result in severe legal consequences and loss of driving privileges for up to three years.

Here are the steps to secure an SR-22 in Ohio:

If your SR-22 in Ohio lapses, your driving rights will be suspended. You must maintain minimum coverage for three years. A fee is required to reinstate your license and file a new SR-22. Stay covered to avoid these issues.

A DUI on your record increases your car insurance premiums. In Ohio, a 30 to 59-year-old with a clean record might pay $356 annually or $30 monthly. With a DUI, rates rise to $666 annually or $55 monthly.

Despite the higher costs, you can find affordable car insurance after a DUI by comparing rates.

Finding affordable SR-22 insurance in Ohio can be challenging. Get answers to your questions about securing the most cost-effective coverage.