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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 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.

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2023

Cheapest Companies for SR-22 Car Insurance in Ohio

Cheapest Companies for SR-22 Car Insurance in Ohio

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

Company
Annual Premium
Monthly Premium

Erie

$170

$14

Erie

$176

$15

Erie

$189

$16

Erie

$193

$16

Nationwide

$218

$18

Auto-Owners Insurance Co

$219

$18

Erie

$220

$18

Auto-Owners Insurance Co

$221

$18

Auto-Owners Insurance Co

$223

$19

Auto-Owners Insurance Co

$223

$19

Progressive

$225

$19

Nationwide

$226

$19

Progressive

$242

$20

Erie

$244

$20

Erie

$249

$21

Grange Insurance

$251

$21

Erie

$252

$21

American Family

$257

$21

American Family

$258

$21

Grange Insurance

$264

$22

American Family

$267

$22

Nationwide

$280

$23

Nationwide

$282

$23

GEICO

$284

$24

Cincinnati Insurance

$284

$24

Progressive

$292

$24

Nationwide

$293

$24

Cincinnati Insurance

$295

$25

Grange Insurance

$296

$25

Westfield

$300

$25

Progressive

$304

$25

Progressive

$307

$26

Erie

$308

$26

Erie

$311

$26

Progressive

$313

$26

Auto-Owners Insurance Co

$317

$26

Auto-Owners Insurance Co

$317

$26

Erie

$318

$27

American Family

$320

$27

American Family

$320

$27

American Family

$321

$27

American Family

$321

$27

American Family

$326

$27

American Family

$327

$27

Westfield

$327

$27

American Family

$328

$27

American Family

$328

$27

Progressive

$333

$28

American Family

$334

$28

Cincinnati Insurance

$335

$28

GEICO

$336

$28

Travelers

$345

$29

Auto-Owners Insurance Co

$346

$29

Auto-Owners Insurance Co

$349

$29

Cincinnati Insurance

$349

$29

Westfield

$349

$29

Grange Insurance

$350

$29

Cincinnati Insurance

$350

$29

Nationwide

$351

$29

GEICO

$352

$29

Progressive

$355

$30

Nationwide

$355

$30

Westfield

$356

$30

Grange Insurance

$357

$30

Nationwide

$369

$31

Travelers

$376

$31

Progressive

$377

$31

Farmers

$379

$32

GEICO

$380

$32

Grange Insurance

$383

$32

Grange Insurance

$389

$32

Farmers

$391

$33

Westfield

$392

$33

Erie

$393

$33

GEICO

$399

$33

Travelers

$399

$33

Grange Insurance

$414

$34

Cincinnati Insurance

$414

$34

Westfield

$417

$35

Grange Insurance

$420

$35

Grange Insurance

$427

$36

Grange Insurance

$428

$36

Nationwide

$438

$36

Nationwide

$442

$37

Progressive

$442

$37

GEICO

$443

$37

Farmers

$447

$37

Nationwide

$448

$37

Nationwide

$456

$38

GEICO

$464

$39

American Family

$464

$39

Grange Insurance

$470

$39

Farmers

$471

$39

Travelers

$472

$39

Allstate

$482

$40

Progressive

$482

$40

Nationwide

$485

$40

Auto-Owners Insurance Co

$495

$41

Travelers

$495

$41

American Family

$497

$41

Auto-Owners Insurance Co

$499

$42

Travelers

$500

$42

Auto-Owners Insurance Co

$502

$42

Progressive

$503

$42

Westfield

$503

$42

Allstate

$508

$42

Farmers

$511

$43

American Family

$516

$43

Auto-Owners Insurance Co

$518

$43

Auto-Owners Insurance Co

$518

$43

Erie

$521

$43

Travelers

$524

$44

Nationwide

$525

$44

Cincinnati Insurance

$528

$44

Westfield

$533

$44

Erie

$534

$44

GEICO

$537

$45

Farmers

$539

$45

Travelers

$539

$45

Auto-Owners Insurance Co

$542

$45

GEICO

$542

$45

Farmers

$543

$45

Auto-Owners Insurance Co

$547

$46

Cincinnati Insurance

$549

$46

Grange Insurance

$554

$46

Westfield

$555

$46

Travelers

$557

$46

Grange Insurance

$567

$47

Erie

$568

$47

Allstate

$572

$48

Travelers

$573

$48

Nationwide

$574

$48

Erie

$579

$48

American Family

$581

$48

American Family

$581

$48

Nationwide

$582

$48

Travelers

$585

$49

Allstate

$587

$49

GEICO

$594

$49

GEICO

$597

$50

Allstate

$601

$50

American Family

$601

$50

Farmers

$603

$50

Farmers

$611

$51

Farmers

$613

$51

Nationwide

$617

$51

American Family

$619

$52

American Family

$619

$52

Allstate

$629

$52

Progressive

$635

$53

Travelers

$637

$53

American Family

$639

$53

American Family

$639

$53

American Family

$639

$53

Allstate

$646

$54

Cincinnati Insurance

$651

$54

Cincinnati Insurance

$651

$54

American Family

$662

$55

Erie

$671

$56

Allstate

$671

$56

Farmers

$675

$56

Allstate

$676

$56

GEICO

$677

$56

Farmers

$678

$57

Travelers

$688

$57

Farmers

$688

$57

Grange Insurance

$689

$57

Travelers

$692

$58

Cincinnati Insurance

$693

$58

Allstate

$695

$58

Progressive

$697

$58

GEICO

$702

$58

Farmers

$709

$59

Cincinnati Insurance

$711

$59

Auto-Owners Insurance Co

$713

$59

Erie

$715

$60

Nationwide

$716

$60

Cincinnati Insurance

$720

$60

Nationwide

$722

$60

Allstate

$725

$60

Erie

$725

$60

Erie

$731

$61

GEICO

$754

$63

GEICO

$762

$64

Nationwide

$767

$64

Cincinnati Insurance

$768

$64

Auto-Owners Insurance Co

$769

$64

GEICO

$773

$64

Westfield

$773

$64

Auto-Owners Insurance Co

$781

$65

Auto-Owners Insurance Co

$781

$65

Allstate

$785

$65

Grange Insurance

$799

$67

Westfield

$800

$67

Auto-Owners Insurance Co

$802

$67

GEICO

$810

$67

Allstate

$811

$68

Grange Insurance

$818

$68

Allstate

$820

$68

Grange Insurance

$821

$68

Grange Insurance

$824

$69

Travelers

$824

$69

Cincinnati Insurance

$840

$70

Progressive

$841

$70

Farmers

$849

$71

Progressive

$853

$71

Cincinnati Insurance

$856

$71

Erie

$863

$72

Cincinnati Insurance

$865

$72

Erie

$872

$73

Nationwide

$888

$74

Grange Insurance

$892

$74

Nationwide

$892

$74

Progressive

$900

$75

Progressive

$907

$76

Farmers

$913

$76

Grange Insurance

$913

$76

Erie

$916

$76

Farmers

$916

$76

GEICO

$916

$76

Progressive

$923

$77

Westfield

$925

$77

GEICO

$934

$78

Nationwide

$939

$78

Westfield

$946

$79

Allstate

$975

$81

Westfield

$976

$81

Travelers

$982

$82

Grange Insurance

$990

$83

Farmers

$997

$83

Grange Insurance

$998

$83

Westfield

$1,006

$84

Westfield

$1,006

$84

GEICO

$1,017

$85

Cincinnati Insurance

$1,021

$85

Farmers

$1,022

$85

Travelers

$1,026

$86

Westfield

$1,028

$86

Allstate

$1,030

$86

Allstate

$1,036

$86

Travelers

$1,039

$87

Progressive

$1,051

$88

Farmers

$1,055

$88

Allstate

$1,064

$89

Nationwide

$1,064

$89

Travelers

$1,071

$89

Auto-Owners Insurance Co

$1,077

$90

Travelers

$1,092

$91

Erie

$1,100

$92

Grange Insurance

$1,110

$92

Farmers

$1,114

$93

Auto-Owners Insurance Co

$1,117

$93

Travelers

$1,120

$93

Progressive

$1,124

$94

Allstate

$1,125

$94

Farmers

$1,139

$95

Travelers

$1,140

$95

Farmers

$1,144

$95

Allstate

$1,149

$96

Auto-Owners Insurance Co

$1,159

$97

Westfield

$1,171

$98

Westfield

$1,188

$99

Westfield

$1,205

$100

Cincinnati Insurance

$1,210

$101

Travelers

$1,213

$101

Allstate

$1,217

$101

GEICO

$1,218

$101

Progressive

$1,221

$102

State Farm

$1,228

$102

Travelers

$1,242

$103

Progressive

$1,263

$105

Allstate

$1,266

$105

Farmers

$1,268

$106

GEICO

$1,289

$107

Cincinnati Insurance

$1,324

$110

Allstate

$1,391

$116

Westfield

$1,405

$117

Progressive

$1,444

$120

GEICO

$1,465

$122

Allstate

$1,507

$126

GEICO

$1,568

$131

Cincinnati Insurance

$1,589

$132

Cincinnati Insurance

$1,609

$134

Auto-Owners Insurance Co

$1,623

$135

State Farm

$1,629

$136

Cincinnati Insurance

$1,737

$145

State Farm

$1,810

$151

State Farm

$1,810

$151

State Farm

$1,923

$160

State Farm

$1,923

$160

State Farm

$1,992

$166

State Farm

$2,006

$167

Westfield

$2,090

$174

Westfield

$2,107

$176

State Farm

$2,110

$176

Cincinnati Insurance

$2,115

$176

State Farm

$2,116

$176

Westfield

$2,323

$194

State Farm

$2,344

$195

State Farm

$2,344

$195

State Farm

$2,549

$212

State Farm

$2,579

$215

State Farm

$2,826

$236

State Farm

$2,826

$236

State Farm

$3,026

$252

State Farm

$3,026

$252

State Farm

$3,103

$259

State Farm

$3,322

$277

State Farm

$3,477

$290

State Farm

$3,854

$321

State Farm

$3,854

$321

State Farm

$4,231

$353

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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:

  • 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.

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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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$184

$15

Progressive

$272

$23

Auto-Owners Insurance Co

$272

$23

GEICO

$308

$26

Travelers

$362

$30

Allied

$448

$37

Nationwide

$448

$37

Farmers

$459

$38

GEICO

$474

$39

Progressive

$475

$40

Travelers

$485

$40

Allied

$543

$45

Nationwide

$543

$45

Farmers

$730

$61

State Farm

$2,138

$178

State Farm

$2,421

$202

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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance is suitable 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 licenses. 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 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.

Driving Record
Annual Premium
Monthly Premium

DUI

$1,265

$105

At-Fault Accident

$579

$48

At-Fault Accident

$678

$56

At-Fault Accident

$1,160

$97

Clean

$745

$62

DUI

$1,555

$130

At-Fault Accident

$1,136

$95

DUI

$747

$62

Clean

$742

$62

Ticket

$485

$40

Ticket

$969

$81

DUI

$653

$54

Clean

$977

$81

Ticket

$1,183

$99

DUI

$642

$54

Ticket

$937

$78

Ticket

$481

$40

DUI

$1,293

$108

Clean

$364

$30

Clean

$466

$39

At-Fault Accident

$592

$49

Ticket

$567

$47

Clean

$386

$32

At-Fault Accident

$1,404

$117

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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 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.

Car Insurance Rate Comparison Based on Driving Records in Ohio

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$360
accident2
After a DUI

Annual Premium for Minimum Coverage

$642
Car insurance premiums after a DUI 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.

1

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.

2

Possible policy cancellation

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

3

Length of required filing

If you have an SR-22 form in Ohio, you must hold onto it for one to five years, depending on the severity of your infraction. Note that repeated offenses tend to require longer filing periods.

4

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
5

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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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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OHIO LICENSE REINSTATEMENT FEE

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 your local DMV for the latest information.

How to Get Cheaper Car Insurance in Ohio After a DUI

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:

  • find icon

    Compare quotes immediately

    Each insurance company has unique 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 a DUI.

  • car icon

    Complete DUI classes or programs

    In some states, drivers with a DUI on their records must actively participate in DUI 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 a DUI program, drivers may become eligible for lower rates with their insurance providers.

  • coins2 icon

    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.

  • seatbelt icon

    Practice safe driving

    Driving safely and maintaining a clean driving record is one of the most effective ways to get cheaper coverage after a DUI. 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.

  • calendar icon

    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 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 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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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