Cheapest SR-22 Car Insurance in Ohio

American Family offers the cheapest SR-22 insurance in Ohio at $26 monthly, 53% lower than the state's average of $55. It's also the most affordable for full coverage at $50.

Auto-Owners offers Ohio's cheapest non-owner SR-22 insurance at $23 monthly or $272 annually. Drivers who need an SR-22 but don't own a car can buy non-owner insurance to meet state minimum coverage requirements. 

The table shows providers and their average costs for minimum coverage.

The average cost of car insurance in Ohio for drivers with an SR-22 is $662 annually for minimum coverage — 82% more than the $363 paid by those with clean records.

For full coverage, SR-22 drivers spend about $1,471 per year, 77% higher than the $830 average for clean-record drivers.

Having an SR-22 form doesn't raise your insurance rate by itself. The cost depends on the type of violation. The table below compares the price of SR-22 insurance in Ohio for common violations across age groups.

An SR-22 proves you have car insurance meeting Ohio's minimum coverage requirements. Drivers with violations must file it to reinstate their license. Being high-risk raises premiums, with rates ranging from $500 to $2,000.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't insurance but a form your insurer files to confirm you meet Ohio's Financial Responsibility law for license reinstatement.

If you have serious traffic violations, an SR-22 is required for three to five years, depending on the violation. This form proves you meet Ohio's minimum coverage requirements. To comply with SR-22 laws, drivers must carry these liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In Ohio, SR-22 certificates are usually required for three years but can go up to five years, depending on the violation.

Along with using an SR-22 for three to five years to comply with Ohio's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Ohio during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your SR-22 insurance coverage throughout the required period. You'll need an SR-22 insurance quote if you don't have coverage. Finding SR-22 insurance can be tougher than for drivers with clean records, as insurers might cancel your policy or deny coverage when you file.

High-risk drivers in Ohio might find fewer companies offering coverage, leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner car insurance covers drivers who don’t own a car but drive regularly, offering protection when using someone else’s vehicle. It’s ideal for frequent car renters or rideshare drivers and covers third-party injuries or damage if you’re at fault.

This policy is often cheaper than standard insurance. Comparing quotes from multiple insurers can help you find the best rates. Once you purchase a policy, your insurer can file an SR-22 form to meet state requirements and help reinstate your license within three to five years.

In Ohio, drivers with severe violations must file an SR-22 to prove having minimum coverage. This requirement lasts three to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options in Ohio are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Ohio:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Ohio drivers with various profiles and needs.

Ohio Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Ohio's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.