Cheapest SR-22 Insurance In Ohio For 2024
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SR-22 insurance, often required for drivers with serious violations such as DUIs or reckless driving, serves as proof of financial responsibility mandated by the state. In Ohio, this insurance provides drivers with the opportunity to reinstate their driving privileges following such violations.
In this guide, I’ve identified the leading auto insurance firms in Ohio offering SR-22 insurance, along with their average premiums. While actual policy costs may differ based on individual circumstances, this resource aims to provide valuable insights to aid your decision-making process.
Now, let’s explore the options for finding the cheapest SR-22 insurance in Ohio, ensuring both compliance and affordability for drivers in need.
Our Methodology
In our search for the best prices for drivers needing SR-22 insurance, we provided quotes designed for people with serious violations like DUI or reckless driving. Let's consider a 2016 Honda Accord LX with full coverage for a 35-year-old female with a clean driving record in Ohio. The coverage quoted is as follows: It’s important to understand that the rates may differ depending on your specifics, such as your driving record, location and prior insurance history.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest SR-22 Insurance Companies In Ohio
Here are the three most affordable SR-22 insurance providers in Ohio offering liability coverage only:
- Nationwide- $226 Annually
- Auto-Owners- $232 Annually
- Progressive – $258 Annually
Cheapest SR-22 Insurance Policies With A DUI (Liability Only)
| Company | Annual Premium |
| Progressive | $258 |
| Auto-Owners | $232 |
| American Family | $345 |
| Grange Insurance | $440 |
| Erie | $332 |
| Allstate | $657 |
| Nationwide | $226 |
| Farmers | $549 |
| GEICO | $678 |
Cheapest SR-22 Insurance With Full Coverage
If you’re looking for more than just basic liability coverage, here are the three most budget-friendly SR-22 insurance options in Ohio that provide full coverage:
- American Family – $632 Annually
- Progressive – $885 Annually
- Erie- $890 Annually
Cheapest SR-22 Insurance Policies With A DUI (Full Coverage)
| Company | Annual Premium |
| American Family | $632 |
| Erie | $890 |
| Auto-Owners | $1,125 |
| Allstate | $1,137 |
| Grange Insurance | $1,013 |
| Nationwide | $957 |
| Progressive | $855 |
| Farmers | $1,004 |
| Travelers | $1,154 |
| Geico | $1,296 |
What Is SR-22 Insurance?
SR-22 insurance is a special type of insurance required for drivers who have been involved in serious traffic violations, such as driving under the influence (DUI) or reckless driving. It’s not a separate type of insurance policy but rather a document that proves to the state that you have the required amount of car insurance coverage.
Essentially, it’s a way for states to ensure that high-risk drivers are financially responsible and have the necessary insurance to cover any potential accidents or damages they might cause.
When you’re required to get SR-22 insurance, your insurance company files the SR-22 form with the state on your behalf. This form verifies that you have the required insurance coverage, and it’s often required for a specific period, such as three years.
During this time, you must maintain continuous coverage and pay your premiums on time. If you let your coverage lapse or cancel your policy, the insurance company will notify the state, which could result in penalties like license suspension or fines.
What is SR-22a Insurance
SR-22A insurance is similar to SR-22 insurance but has some differences. It’s also known as a “high-risk insurance policy” or a “certificate of financial responsibility.” Like SR-22 insurance, SR-22A is typically required for drivers who have been involved in serious traffic violations or offenses.
However, SR-22A insurance is specific to certain states, and its requirements may vary from state to state. SR-22A insurance is generally mandated for drivers who have multiple traffic violations or offenses within a certain period or who have been caught driving without insurance.
Cheapest Non-Owner SR-22 Insurance Companies In Ohio
If you’re required to get an SR-22 but don’t have a car, a non-owner’s policy is the right choice. Here are the most affordable non-owner SR-22 policies available in Ohio.
- Auto-Owners- $290 Annually
- Progressive- $488 Annually
- GEICO- $492 Annually
| Company | Annual Premium |
| Auto-Owners | $290 |
| Farmers | $741 |
| Geico | $492 |
| Allied | $556 |
| Nationwide | $568 |
| Progressive | $488 |
| Travelers | $504 |
| State Farm | $2,437 |
Average Cost Of SR-22 Insurance In Ohio
| Violation | Annual Premium (Liability Only) | Annual Premium (Full Coverage) |
| DUI | $653 | $1,302 |
| At-Fault Accident | $589 | $1,173 |
How SR-22 Affects Car Insurance Rates
Usually, drivers can expect their car insurance to go up by an average of 30% when they need an SR-22. This increase is often because of past driving problems that led to needing the SR-22, not just because of the SR-22 itself. For example, if you got a DUI and need an SR-22, the higher cost is mostly because of the DUI.
Also, there’s a fee for getting the SR-22, usually between $15 and $65, which you have to pay along with the higher premium. Once you don’t need the SR-22 anymore, you can take it off your policy, which can help lower your premium.
How To File An SR-22
Filing an SR-22 in Ohio involves several steps. Firstly, you’ll need to contact your insurance provider to inform them of your need for an SR-22. They will then gather the necessary information about your violation and driving history to file the SR-22 with the Ohio Bureau of Motor Vehicles (BMV).
Additionally, you may need to pay a filing fee associated with the SR-22, which typically ranges from $15 to $65. Once the SR-22 is filed, you’ll receive confirmation from your insurance company. It’s crucial to maintain continuous coverage for the duration required by the state of Ohio, usually three years for most violations, to avoid any penalties or license suspension.
How Long Do I Need To Have SR-22 Insurance?
The duration for which an SR-22 is necessary differs from one state to another. For instance, in Ohio, the mandated filing period is a minimum of three years, yet for specific violations, it might extend up to five years. It’s important to note that even if you relocate from the state that necessitated the SR-22, you’re still obligated to maintain it until the required duration elapses.
Other Effects Of SR-22 Insurance
Apart from influencing your insurance rates, SR-22s can impact your driving privileges. Failure to acquire an SR-22 within the specified timeframe or maintain it for the required duration can result in the suspension of your driver’s license or vehicle registration by the state.
Additionally, you might face financial penalties and reinstatement fees for non-compliance. It’s noteworthy that not all insurance providers are willing to offer policies to drivers requiring SR-22s, thus restricting your choices in obtaining coverage.
SR-22 Insurance State Requirements
As expected, every state has its own set of rules regarding SR-22s. Interestingly, some states don’t mandate SR-22 filings altogether.
- Delaware
- Kentucky
- New York
- New Mexico
- Oklahoma
- North Carolina
In some states, drivers must show they have more than the minimum insurance required by law. Florida and Virginia are among these states. Besides an SR-22, Florida and Virginia may need a FR-22 for DUIs or DWIs.
Arkansas and Indiana use different forms. For instance, instead of providing ongoing coverage, Arkansas uses an SR-21 after certain accidents to show insurance was active at the time of the incident. Indiana requires an SR-50 after a DUI to confirm your insurance dates.
How Much Does Credit Score Affect SR-22 Insurance Costs
The impact of your credit score on SR-22 insurance costs can vary depending on the insurance company and other factors. Generally, a lower credit score may result in higher insurance premiums, including those for SR-22 coverage.
Insurers often view individuals with lower credit scores as higher risk, which can lead to increased rates. However, the exact influence of your credit score on SR-22 insurance costs may differ based on individual circumstances and the policies of the insurance provider.
On average, drivers with poor credit shell out 72% extra for insurance compared to those with good credit scores. SR-22s can hike up insurance rates by 18% or higher on average. But the exact increase varies by insurer.
Alternatives To SR-22
If your state mandates an SR-22, you must file one; there’s no getting around it. Some states might have different forms like SR-21, SR-50, or FR-22 instead of SR-22. To figure out what’s needed, reaching out to a nearby independent agent could be your smartest move.
How To Get Cheaper Car Insurance In Ohio After A DUI
Following a DUI conviction, car insurance premiums often increase significantly. To mitigate these costs in Ohio, it’s crucial to explore various strategies. First, completing a defensive driving course can demonstrate your commitment to safer driving practices, potentially leading to reduced rates. Additionally, maintaining a clean driving record by avoiding further traffic violations can help stabilize insurance costs over time.
Comparing quotes from multiple insurance providers is another effective method to find more affordable coverage. Different insurers may offer varying rates and discounts, so it’s essential to shop around and find the best option for your situation. Moreover, selecting a vehicle equipped with advanced safety features, such as anti-lock brakes and airbags, can lead to lower premiums.
Bundling insurance policies, such as auto and home insurance, with the same provider can also result in discounts. Furthermore, inquire about any available discounts for good driving behavior or for completing a driver improvement program. Lastly, consulting with an experienced insurance agent who specializes in DUI cases can provide valuable guidance and insights into additional cost-saving opportunities tailored to your specific circumstances.
FAQs
Do you need SR-22 insurance if you don’t have a car?
Yes, if you’re required to have an SR-22 but don’t own a car, you can get a non-owner SR-22 policy.
How do you get rid of SR-22?
To get rid of SR-22, you typically need to maintain continuous car insurance coverage for the period required by your state, which is usually around three years. Once this period ends, you can request your insurance company to remove the SR-22 endorsement from your policy.
How much does SR-22 cost?
The cost of SR-22 insurance varies depending on factors such as your driving record, the state you live in, and the insurance company you choose. On average, obtaining an SR-22 endorsement may cost $1,237 on average and between $15 to $65 for the filing fee, in addition to any increase in insurance premiums, which can range from a few hundred to over a thousand dollars per year.
