Traffic violations that result in your license being suspended are incredibly serious and should never be brushed aside. To reinstate your license in Ohio, you will likely be required to carry SR22 insurance for a designated period of time.
SR22 insurance proves to the state of Ohio that you have coverage and can pay for damage you cause in an accident. An SR-22 verifies that you are complying with Ohio insurance laws. Being required to file such a form should be handled immediately.
The insurance guide below can assist you in learning about SR-22s in Ohio and how to fulfill your auto insurance requirements.
What is SR-22 Insurance in Ohio?
SR22 insurance is not an insurance policy but rather a certificate that shows a driver carries at least the mandatory minimum required liability auto insurance.
In Ohio, an SR-22 certificate is required for any driver that has had their license suspended as a result of a major traffic violation. Drivers with an SR-22 requirement must notify their insurance provider, who will then send it to be filed with the Ohio Bureau of Motor Vehicles (Ohio BMV).
Once the Ohio SR-22 form has been successfully filed, in order to keep it valid, you have to keep up with your car insurance premiums. There is no other monthly fee to pay, but an SR-22 filing will have a significant impact on your auto insurance rates.
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SR-22 Bond in Ohio
The state of Ohio offers drivers somewhat of an alternative to a traditional car insurance policy. Ohio allows you to attach an SR-22 filing onto what is known as a financial responsibility (FR) bond.
An FR bond, also known as an SR-22 bond, is filed through your insurance provider, similar to an SR-22 form, and is regarded as the cheapest way to fulfill an Ohio SR-22 requirement.
However, an FR bond comes with some restrictions and only allows you to carry the liability insurance mandatory for drivers in Ohio, and there are no options to add any other types of coverage.
For example, if a driver feels they would benefit from higher liability coverage limits, the FR bond would not be right for them. It is intended for people who only want to meet the Ohio insurance minimums. This is why it is the cheapest way to go about fulfilling your insurance requirements. But it is arguably the most irresponsible way as well.
Only carrying liability insurance in Ohio leaves a driver and their vehicle vulnerable. The FR bond follows the driver and doesn’t provide any coverage for their vehicle.
Ohio Car Insurance Minimums
An SR-22 proves to the state of Ohio that you carry at least the mandatory minimum amount of liability insurance. While it is not advised you only purchase liability insurance, it is enough to prove you are obeying the Ohio insurance laws.
Ohio Mandatory Liability Insurance
Bodily Injury Liability Insurance (BIL)
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
Property Damage Liability Insurance (PDL)
- $25,000 for property damage liability per accident
Every driver in Ohio must meet the minimum amount of insurance as outlined above; however, it is highly recommended that you purchase beyond the mandated coverage.
Liability insurance will only cover the other driver in a collision. While this is incredibly important, and skimping on liability insurance comes with serious penalties, it doesn’t offer you or your vehicle any coverage.
Without insurance, you will be expected to pay for injuries and damage out of pocket, which can get very expensive even after just one accident. It is recommended that you increase liability coverage limits and utilize auto policy add-ons to have better coverage. Auto insurance like collision coverage and personal injury protection (PIP) can provide you with valuable coverage.
Who Needs SR-22 Insurance in Ohio?
Thankfully, not every driver in Ohio will need to purchase SR22 insurance. So long as you keep a clean driving record, you will never need to find one because you are not at risk of losing your license.
SR-22 insurance is only required to be filed with the Ohio BMV when a driver’s license is suspended due to a major traffic violation. This subsequently labels them as a high-risk driver, which is another reason for needing an SR-22.
In Ohio, SR22 insurance may be required after committing one or more of the following driving violations:
- Operating a vehicle while under the influence (OVI)
- Driving without liability insurance
- Reckless driving history
- Multiple and frequent traffic violations
How Long Must You Carry SR-22 Insurance in Ohio?
SR22 car insurance has an expiration date. When you are informed of your SR-22 requirement, you should also be notified of when the maintenance period will end. So long as you practice safe and smart driving habits, you can cancel your SR-22 once the expiration date arrives.
On average, drivers in Ohio must carry an SR-22 for three years following being convicted of a major traffic violation. However, required maintenance periods depend a lot on the severity of your offense. An Ohio court may decide that you need to carry this insurance form for up to five years.
Once the expiration date has arrived, you are responsible for notifying your car insurance provider. They will then inform the Ohio BMV that you have canceled your SR22 insurance.
Your insurance provider is required to notify the Ohio BMV when your SR22 insurance is no longer active. Failure to maintain your SR-22 for the assigned period can be incredibly damaging to your driving record and insurance history.
Letting your insurance lapse in coverage will result in your SR-22 being canceled in Ohio. The Ohio BMV will then be informed of this gap in coverage, and you can be hit with some severe penalties, including having to restart your SR-22 filing period. Letting your coverage lapse will result in you being dropped by your insurance provider.
Finding a new insurance company after this can be tricky, as you are most likely labeled as a high-risk driver thanks to your less-than-favorable driving record. There is also a good chance your insurance premiums will increase. It is always best to stay on top of your insurance payments and serve your SR-22 period.
How Much Does Ohio SR-22 Insurance Cost?
How much your auto insurance premiums will be following an SR-22 filing in Ohio depends on a variety of factors, including the circumstances of your conviction and what insurance company you are sighed with.
It is safe to assume that your insurance rates will increase drastically following a major traffic violation. Hope for finding cheap insurance can dwindle due to your violation. Being convicted of a serious offense in Ohio like an OVI will increase your rates the most, according to reports.
An OVI is the most common reason an Ohio driver needs SR22 insurance. On average, drivers in Ohio pay around $1,700 per year for SR22 insurance. It is impossible to say what you will be paying for insurance, but you can expect it to be much higher than what your rates were pre-conviction.
You can also expect to pay a filing fee which your insurance provider will charge you. On average, insurance companies in Ohio charge around $15-$25 to file an SR-22. The only good side is that an SR-22 is not required forever, meaning once the period is over, your insurance rates may decrease slightly.
They will never be as low as your insurance premiums were before your traffic violation, but it still may give you some kind of break. A lot will depend on how long your violation stays with you. It may take years for it to fall off your driving record and during that time, you will have increased car insurance premiums.
Finding cheap or just affordable car insurance in Ohio can be a challenge with your driving record. To get good insurance for yourself, it is best to shop around and get quotes from a wide scope of insurance providers. Be sure to look at both local Ohio insurance companies and national providers.
It’s crucial you analyze any auto policy you come across to find coverage that not only offers good protection but also fits nicely in your budget. Any insurance company worth purchasing coverage from will offer you free quotes either online or over the phone, so shopping for coverage is a fairly simple process.
If you believe you have the most affordable car insurance coverage available given your driving infractions, reach out to your insurance agent to see if there are any policy discounts you qualify for. Policy discounts can help you save even more on your insurance premiums. While your insurance company may not offer you much due to your driving profile, it never hurts to ask.
Ohio Non-Owner SR-22 Insurance
Just because you do not own a car does not mean you are off the hook when it comes to carrying car insurance and obeying state insurance laws. Even if you do not own the car you were driving at the time of your traffic violation, you can still receive an SR-22 filing requirement.
To fulfill this insurance requirement, you will need to purchase a non-owner SR22 car insurance policy. A non-owner car insurance policy provides drivers with the liability coverage required in Ohio, successfully fulfilling their SR-22 filing requirements.
Every driver on the road needs to have a valid car insurance policy. If you are someone who frequently borrows or rents vehicles, a non-owner insurance policy would be perfect for you. It provides you with coverage and is affordable.
To qualify for a non-owner insurance policy, you cannot own a vehicle or have regular access to one. This means that if, for example, you are a college student who uses your parent’s vehicle when home for break, you would not qualify for non-owner car insurance.
It is highly recommended that you have insurance coverage prior to receiving an SR-22 filing requirement. Driving without insurance can be detrimental to you and your driving record. Every recognized driver in Ohio needs to carry car insurance, and failure to obey state insurance laws can result in severe legal penalties.
Ohio DUI, DWI and OVI Convictions
Drunk or impaired driving due to alcohol and substances is often referred to as driving under the influence (DUI) or driving while intoxicated (DWI), but Ohio has its own terminology.
Operating a vehicle under the influence (OVI) refers to a person driving a vehicle while impaired from the use of drugs and/or alcohol. There is relatively no difference between a DUI and an OVI; it is all just semantics.
As previously mentioned, OVI is one of the most common reasons a driver in Ohio will need an SR-22 certificate. Insurance rates are also bound to increase, as highlighted in a previous section.
It is a serious offense in Ohio that not only comes with car insurance requirements but also has severe legal penalties, not unlike other states. The chart below outlines what you could be facing if convicted of an OVI in Ohio.