SR22 Insurance Ohio

All About Auto Insurance In The State Of Ohio With An SR22 Attachment

Ohio State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form

All About Auto Insurance In The State Of Ohio With An SR22 Attachment

Some companies do not offer SR-22 filings because they do not insure ‘high-risk’ drivers. They may be a preferred company that does not allow those types of violations. Most companies that do offer SR-22 charge a flat fee of $5-$25 per term. Some companies, like Dairyland Insurance, do not charge at all. Most insurance companies offer SR22 filings. The ones that do not offer SR22 are Travelers insurance, State Farm Insurance, State Auto, Safeco, USAA, Nationwide, and American Family insurance.

SR22 Insurance Ohio CompanySR22 Fee
GAINSCO$25.00
Acceptance RTRN/A
Liberty Mutual$15-$25
AllstateUnknown
Geico$25.00
SafecoN/A
TravelersN/A
National General$25.00
DairylandFree
State AutoN/A
21st CenturyN/A
State FarmUnknown
Mendota Ins. Company$25.00
American FamilyN/A
AssuranceAmerica$25
USAAN/A
Progressive Insurance$25.00
Farmers$15-$60
SR22 Insurance Ohio

SR22 Insurance Ohio: Laws You Need to Know

Contrary to what most people think, an SR22 isn’t insurance, but rather, a filing that the state has mandated you ADD to your insurance policy. If your license has been suspended because of a major conviction, you will be required to carry an SR-22 filing for 3-5 years, depending upon the conviction. You will need to carry the State Minimum Liability limits in order to have an SR-22. The SR-22 Insurance Ohio filing will be reported to the State by your insurance provider.

How to get SR22 Insurance in Ohio?

  1. Shop Around: Obtain quotes from multiple insurance companies that offer SR-22 coverage in Ohio. Each insurance company may have different rates and criteria for determining premiums, so comparing quotes can help you find the most affordable option.
  2. Maintain a Clean Driving Record: Insurance companies typically offer better rates to drivers with clean driving records. Avoiding further traffic violations or accidents can help demonstrate to insurers that you are a responsible driver and may qualify you for lower premiums over time.
  3. Consider Higher Deductibles: Opting for a higher deductible can lower your insurance premiums. However, make sure you can afford the deductible in case you need to file a claim.
  4. Take Defensive Driving Courses: Some insurance companies offer discounts to drivers who complete defensive driving courses. These courses can improve your driving skills and may qualify you for lower insurance premiums.
  5. Bundle Policies: If you have multiple insurance needs, such as auto and renter’s insurance, consider bundling them with the same insurance company. Many insurers offer discounts for bundling multiple policies.
  6. Ask About Discounts: Inquire with insurance companies about any discounts you may qualify for, such as discounts for good students, low-mileage drivers, or safety features on your vehicle.
  7. Seek Assistance: If you’re having difficulty finding affordable SR-22 insurance, consider working with an independent insurance agent who can help you navigate the market and find the best rates available to you.
  8. Improve Credit Score: In some cases, insurance companies use credit scores as a factor in determining premiums. Improving your credit score by paying bills on time and reducing debt may help lower your insurance premiums.
  9. Choose a Less Expensive Vehicle: The type of vehicle you drive can affect your insurance premiums. Choosing a less expensive or safer vehicle may result in lower insurance rates.

While finding cheap SR-22 insurance is important, it’s also crucial to ensure that you have adequate coverage to protect yourself and others on the road.

Comparing Average Rates for SR22 Insurance in Ohio Across Companies

This is the average cost each company charges for full coverage insurance with an SR-22 filing on that policy. The rates do vary depending on the insured and their driving history, location, and other rating factors.

SR22 Insurance CompanySR22 Insurance Ohio: Avg. Cost
NationwideN/A
National General$170.00
AssuranceAmerica$182.00
21st CenturyN/A
TravelersN/A
American FamilyN/A
Progressive Insurance$178.00
The General$212.00
Farmers$176.00
Acceptance RTR$169.00
Bristol West$188.00
Geico$185.00
Dairyland$203.00
AllstateN/A
SafecoN/A
State AutoN/A
SR22 Insurance Ohio

Exploring the Average Cost of Full Coverage SR22 Insurance by City in Ohio

If you are financing a vehicle, you will likely need to carry full coverage which is Comprehensive and Collision on the vehicle. If you need an SR-22 as well, you can add that onto your policy for a small fee. Below is the average cost for full coverage, with an SR-22 in each city.

City In OhioSR22 Insurance Ohio Avg. Cost
Strongsville$149
Massillon$154
Cleveland$158
Brunswick$148
Marysville$156
Westerville$146
Hilliard$153
Green$171
Trotwood$154
Newark$147
Lancaster$170
Lima$149
Wadsworth$148
Warren$180
Shaker Heights$151
Avon Lake$174
Zanesville$181
Medina$157
Dublin$173
Mansfield$154
Troy$155
Elyria$175
Gahanna$169
Maple Heights$175
Middletown$163
Lakewood$147
Parma$174
Bowling Green$171
Cuyahoga Falls$161
Akron$159
Sandusky$155
North Olmsted$165
Delaware$173
Willoughby$155
Lorain$151
Mason$180
Xenia$165
Oxford$165
Solon$179
Canton$146
Euclid$148
Barberton$155
Findlay$164
Mentor$158
Toledo$159
Garfield Heights$150
Avon$175
Columbus$174
Fairfield$149
Springfield$165
Cleveland Heights$147
Youngstown$159
Fairborn$155
SR22 Insurance Ohio

Check with your insurance agent to make sure your “full coverage” insurance in Ohio includes what you want! Roadside, rental reimbursement, medical payments, etc. are additional coverages that need to be requested.

SR22 Insurance Ohio and Child Support

Contrary to what many people think, a DUI is not the only thing that can lead to an SR22 order. If you owe child support in Ohio, you could be at risk for having your driving privileges suspended or revoked. If this happens, you will be required to carry an SR-22 for 1-3 years.

Determining the Average Cost of Liability Only SR22 Insurance in Ohio

Just looking for the bare minimum coverage to make you legal? These are the average prices for minimum liability with an SR-22 filing in Ohio.

City In OhioAverage Liability Only
CityPrice
Reynoldsburg$110.00
Toledo$104.00
Trotwood$110.00
Canton$109.00
Euclid$88.00
Lorain$108.00
Marion$87.00
Parma$108.00
Columbus$94.00
Springfield$96.00
Shaker Heights$106.00
Lima$87.00
Findlay$99.00
Westlake$110.00
Fairborn$106.00
North Olmsted$105.00
Bowling Green$103.00
Mason$95.00
Middletown$88.00
Newark$102.00
Grove City$86.00
Xenia$86.00
Strongsville$110.00
Akron$87.00
Dublin$96.00
Lancaster$96.00
Barberton$110.00
North Royalton$97.00
Avon$104.00
Mentor$92.00
Solon$108.00
Hilliard$103.00
Wooster$105.00
Wadsworth$105.00
Hamilton$105.00
Avon Lake$104.00
Cuyahoga Falls$88.00
Maple Heights$106.00
North Ridgeville$104.00
Elyria$102.00
Fairfield$97.00
Youngstown$91.00
Huber Heights$107.00
Stow$106.00
Cincinnati$106.00
Sandusky$93.00
Upper Arlington$103.00
Kettering$106.00
Centerville$101.00
Warren$92.00
Gahanna$91.00
Willoughby$87.00
SR22 Insurance Ohio

Affordable Insurance Companies in Your Area Offering SR22 Insurance in Ohio

Need an SR-22 in Ohio but not sure where to start? Above is a list of the cheapest Insurance companies for high risk drivers, for each city. Start by calling the companies for free quotes on liability with SR-22.

City in OhioSR22 Insurance Company
KentThe General
YoungstownGeico
Shaker HeightsBristol West
Avon LakeProgressive
WarrenGeico
WadsworthGeico
ColumbusLiberty Mutual
ParmaProgressive
DelawareGeico
LancasterThe General
AvonThe General
LorainProgressive
AthensBristol West
DaytonProgressive
MansfieldFarmers
Bowling GreenNational General
Grove CityProgressive
ElyriaProgressive
LakewoodGeico
WilloughbyGeico
MedinaProgressive
AkronLiberty Mutual
WestlakeThe General
North OlmstedThe General
Cleveland HeightsLiberty Mutual
Huber HeightsGeico
FairfieldProgressive
LimaProgressive
BarbertonGeico
ReynoldsburgProgressive
AustintownLiberty Mutual
StrongsvilleNational General
GreenGeico
MarysvilleLiberty Mutual
ClevelandNational General
ZanesvilleThe General
NewarkProgressive
MiddletownLiberty Mutual
DublinGeico
HilliardGeico
TroyLiberty Mutual
CincinnatiProgressive
EuclidGeico
RiversideBristol West
OxfordGeico
Garfield HeightsFarmers
XeniaThe General
BeavercreekProgressive
MentorLiberty Mutual
CantonLiberty Mutual
WestervilleGeico
CentervilleGeico
SR22 Insurance Ohio

SR22 Insurance Process

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

SR22 Insurance Ohio: Comparing Rates among Companies

Liability Insurance is the minimum requirement per each state. Each state requires different liability limits, you can check your state’s requirements above. By having the minimum liability limits, you can add an SR-22 to the insurance policy, which will let the State know you are complying by carrying the required insurance.

CompanySR22 Liability (Average)
AssuranceAmerica$77.00
Progressive Insurance$91.00
Liberty Mutual$115.00
National General$72.00
NationwideN/A
USAAN/A
Farmers$125.00
Acceptance RTR$86.00
Bristol West$113.00
Mendota Ins. Company$96.00
Geico$74.00
Dairyland$61.00
AllstateN/A
21st CenturyN/A
State FarmN/A
American FamilyN/A
GAINSCO$123.00
The General$76.00
SafecoN/A
SR22 Insurance Ohio

State Minimum Requirements for SR22 Insurance in Ohio

The minimum insurance requirements by law in Ohio are 20/50/25.

This means if you are liable in the event of an accident, your insurance company will pay out bodily injury expenses and property damage expenses up to these limits, to the other party. The limits equate to $25,000 per person for bodily Injury, up to $50,000 per accident, and $25,000 for property damage.

StateState Min.PIP?
Ohio25/50/25N/A

SR22 Insurance in Ohio: Need an SR-22 but No Vehicle? Here’s What to Do

In Ohio, you can purchase a Named Operator policy or Non-Owners policy which will cover you for the minimum liability requirements per the state. You will add the SR-22 filing to that policy, which will let the state know you are carrying the required liability limits. The Non Owners policy covers you driving any personal passenger vehicle as long as you do not, or any household members own the vehicle.

Why Would I Need An SR22?

An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

I don’t own a vehicle. Why Would I need Insurance?

Even without vehicle ownership, insurance is crucial for liability protection while driving borrowed or rented cars. Coverage ensures financial security in accidents, fulfills legal requirements, and safeguards against unforeseen situations.

Liability Coverage
Legal Compliance
Financial Security
Borrowed Vehicles
Accident Protection
Unforeseen Situations

What Happens If I’m Caught Driving Without Insurance?

Driving without auto insurance can lead to severe consequences, such as hefty fines, license suspension, and even legal penalties. It may result in increased insurance premiums, vehicle impoundment, or difficulty obtaining coverage in the future.

Fines
License Suspension
Legal Penalties
Increased Premiums
Vehicle Impoundment
Coverage Difficulty

Frequently Asked Questions about SR22 Insurance in Ohio


What is SR22 insurance in Ohio?

SR22 insurance in Ohio is not actually insurance, but a certificate of financial responsibility. It’s a document that your insurance company files with the state to prove you have the minimum liability coverage required by law after certain violations such as a DUI, driving without insurance, or reckless driving.

How long do I need to carry SR22 insurance in Ohio?

In Ohio, drivers typically need to carry SR22 insurance for three years, but the duration can vary depending on the severity of the violation and any additional requirements imposed by the court or the Ohio Bureau of Motor Vehicles (BMV).

How does SR22 insurance affect my car insurance rates in Ohio?

Having an SR22 certificate typically categorizes you as a high-risk driver, which can lead to higher car insurance rates. However, the exact impact on your insurance rates can vary based on your insurance provider, your driving history, and other personal factors.

How much does SR-22 insurance cost in Ohio?

The cost of SR-22 insurance in Ohio varies based on the insurance provider and the individual’s driving record. Typically, there is a fee for filing the SR-22 form, and drivers may see an increase in their insurance premiums due to the high-risk nature associated with needing an SR-22.

Can you get an SR-22 without a car in Ohio?

Yes, in Ohio, you can obtain an SR-22 certificate without owning a car. This is known as non-owner SR-22 insurance, designed for drivers who do not own a vehicle but are required to show financial responsibility to the state for maintaining driving privileges.

How do I remove an SR-22 in Ohio?

To remove an SR-22 in Ohio, you must maintain continuous insurance coverage for the required period, typically three years. After this period, you can contact your insurance provider to file for the removal of the SR-22. It’s important to confirm with the Ohio BMV that your SR-22 requirement has been fulfilled before making any changes to your insurance policy.

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Last Updated on by Veronica Moss

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