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.
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:
- 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.
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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.
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:
- 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.
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.
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
Annual Premium for Minimum Coverage
$360Annual Premium for Minimum Coverage
$642This 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.
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.
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.
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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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:
- Search for an insurance company that willingly covers drivers with violations on their records.
- Purchase an auto insurance policy that meets the minimum liability requirements in Ohio.
- Request your insurance provider to file an SR-22 form on your behalf, which serves as proof of financial responsibility.
- Pay any required fees and keep the SR-22 form up to date.
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:
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.
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.
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.
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.
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.
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

sources
- Ohio Department of Public Safety. "Driver License Reinstatement Procedures." Accessed June 9, 2023.