Cheapest SR-22 Car Insurance in Ohio (2024)

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.

In Ohio, the cheapest SR-22 car insurance policies for drivers with OVIs 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 — 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.

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.

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

• Auto-Owners: $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 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.

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.

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 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:

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