SR-22 Insurance in Ohio: Cost, Requirements, and Cheapest Companies
Ohio drivers pay an average monthly rate of $121 for SR-22 insurance.
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Jamie JohnsonInsurance and Personal Finance Writer
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Reviewed byDavid Marlett
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David MarlettAdvisor
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Quick Facts
In Ohio, an SR-22 is a certificate of financial responsibility showing you meet the state’s minimum liability insurance requirements.
SR-22 coverage in Ohio costs an average of $121 per month.
Ohio drivers must file an SR-22 if they’re caught driving without insurance or they accumulate 12 or more points on their license within two years.
SR-22 requirements in Ohio
An SR-22 isn’t actually a type of auto insurance in Ohio, but a certificate of financial responsibility.[1] Your insurer files an SR-22 with the Ohio Bureau of Motor Vehicles (BMV) to show you meet the state’s minimum liability coverage requirements.
Ohio requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability, and $25,000 in property damage liability.[2]
You’ll need an SR-22 in Ohio if you fail to show proof of insurance or the state convicts you for having too many traffic violations. If you’re in an at-fault accident or you’re pulled over and can’t show proof of insurance, the state will require you to carry SR-22 insurance for one year.[3]
If your insurer cancels your coverage or you let it lapse, the company must report it to the Ohio BMV. Once that happens, the state may suspend your license.
Filing fees usually cost about $25, though this can vary by insurer.
SR-22 Insurance | Ohio Requirement |
|---|---|
| Minimum liability limit | 25/50/25 |
| Filing fee | Typically around $25, depending on your insurer |
| Who files it | Your insurance company |
| What happens if your coverage is canceled or lapses | The state may suspend your license |
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Liability policies average $85/mo. for drivers with an SR-22
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How much is SR-22 insurance in Ohio?
The average cost for liability-only SR-22 coverage in Ohio is $85 per month, according to Insurify data. Full-coverage SR-22 insurance averages $156 per month.
In comparison, Ohio drivers with a clean record pay an average of $64 per month for liability-only coverage and $117 for full coverage.
Insurers calculate SR-22 insurance costs based on the underlying violation’s severity. These include causing an accident while uninsured, operating a vehicle while impaired (OVI), reckless driving, or being stopped and unable to provide proof of insurance.[4]
Any driving-related infractions can cause insurance companies to view you as a high-risk driver, leading to higher insurance premiums.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $64 | $117 |
| With SR-22 | $85 | $156 |
Disclaimer: Table data is based on real-time Ohio quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Ohio
On average, Mile Auto has the cheapest rates for SR-22 insurance in Ohio, at $47 per month, according to Insurify. The following table shows average monthly liability-only and full-coverage rates for drivers in Ohio who need SR-22 coverage.
The below rates in Ohio are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Mile Auto | $47 | $73 |
| State Farm | $48 | $81 |
| Progressive | $55 | $100 |
| Auto-Owners | $56 | $96 |
| Erie | $56 | $96 |
| Commonwealth Casualty | $61 | $160 |
| GEICO | $61 | $104 |
| USAA | $61 | $105 |
| Safeco | $64 | $104 |
| The General | $64 | $149 |
| Certainly | $67 | $148 |
| American Family | $68 | $117 |
| Trexis | $75 | $186 |
| AssuranceAmerica | $77 | $143 |
| Trexis One | $81 | $226 |
| First Acceptance | $83 | $221 |
| Direct Auto | $88 | $121 |
| Elephant | $88 | $139 |
| GAINSCO | $88 | $200 |
| Clearcover | $93 | $186 |
| Bristol West | $95 | $205 |
| Dairyland | $99 | $226 |
| Root | $101 | $167 |
| Allstate | $105 | $180 |
| National General | $105 | $151 |
| Liberty Mutual | $108 | $183 |
| Travelers | $113 | $196 |
| Farmers | $117 | $201 |
| State Auto | $163 | $277 |
Disclaimer: Table data sourced from real-time Ohio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ohio may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Ohio?
The Ohio BMV requires drivers to carry SR-22 insurance after certain license suspensions. The most common is a non-compliance suspension, which happens when you fail to provide proof of insurance during a traffic stop or after an accident.
You’ll also have to maintain SR-22 insurance if you accumulate 12 or more points against your license within two years. The state requires your insurer to file the SR-22 with the Ohio BMV for one year, or for three years if your suspension began before April 9, 2025.
How to get SR-22 insurance in Ohio
Follow these steps to get SR-22 insurance in Ohio:
Contact your insurer. The Ohio BMV will notify you if you need to file an SR-22. Not all insurance companies offer SR-22 filings, but if yours does, ask to have one added to your policy. If your insurer doesn’t offer SR-22 filings, you’ll need to shop around to find a company that does.
Purchase the required coverage. If you don’t already have car insurance, you’ll need to purchase at least Ohio’s minimum required liability coverage. If you already have coverage, your premium may increase because of the violation that triggered the SR-22 requirement. Some insurers charge a one-time filing fee, while others may charge a fee each time the policy renews.
Ask your insurer to file the SR-22. Most insurers submit the form electronically to the Ohio BMV, with filings typically processed within 72 hours of receipt.
Complete any other reinstatement requirements. If the state suspended your license, you’ll need to maintain the SR-22 filing for at least one year, pay a reinstatement fee, and satisfy any other BMV requirements to reinstate your driving privileges.
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How long does Ohio require SR-22 insurance?
If you received a non-compliance suspension on or after April 9, 2025, you’ll generally need to maintain an SR-22 for one year.
If the state added a non-compliance suspension to your record before that time, your filing requirement may be even longer — three years for a first non-compliance offense, and up to five years for a second or subsequent non-compliance offense, according to the Ohio BMV.
Maintaining continuous coverage is critical. If you let your policy lapse or your insurer cancels it, the insurer must report it to the Ohio BMV.
A lapse can result in additional penalties, including driver’s license suspension until you meet the state’s minimum insurance requirements.
Ohio SR-22 insurance FAQs
For more information on finding the best car insurance with an SR-22 requirement, see the answers to frequently asked questions below.
How much is SR-22 insurance in Ohio?
Drivers in Ohio who need SR-22 insurance pay an average of $85 per month for liability coverage and $156 per month for full coverage. SR-22 insurance costs more for drivers who need it because insurers view them as high risk.
How do you get an SR-22 in Ohio?
To get SR-22 insurance in Ohio, you’ll first need to contact your insurance company. If your insurance company offers SR-22 coverage, you’ll pay the filing fee, and your insurer will file the certificate with the Ohio BMV.
How long do you need an SR-22 in Ohio?
It depends. If the state suspended your driving privileges on or after April 9, 2025, you’ll have to carry SR-22 coverage for at least one year. If your suspension was added before that date, you may have a longer SR-22 filing requirement. Regardless of your SR-22’s duration, you’ll need to maintain continuous coverage throughout the entire filing period to avoid additional penalties.
What is an SR-22 bond?
An SR-22 bond is another term for SR-22 insurance or an SR-22 filing. It’s a certificate of financial responsibility that the state requires after certain infractions. These include failing to show proof of insurance or accumulating more than 12 points within two years.
Sources
- Ohio Bureau of Motor Vehicles. "Suspensions & Reinstatements."
- Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
- Ohio Bureau of Motor Vehicles. "Non-Compliance Suspension."
- Ohio Department of Public Safety. "Digest Section 6 State Laws and Penalties."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
David MarlettAdvisor
25 years teaching risk management and insurance course
Former commercial lines underwriter