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Ohio SR22 Insurance

What is an SR22?

An SR22 certification or bond, as it is called in Ohio, is a requirement for any driver with a suspended license due to lack of insurance or a history of reckless driving or traffic violations. It’s not an insurance policy but rather a certification that the convicted driver carries at least the minimum required liability auto insurance that the state requires. Once it is approved and filed by the Ohio BMV, the driver’s license will be reinstated. The SR22 is then kept on file while the driver maintains their coverage by paying their rates and practicing safe driving.

In the state of Ohio, the mandatory minimum liability insurance coverage is:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage

When is an SR22 Required in Ohio?

Ohio would require that an SR22 be filed with the Bureau of Motor Vehicles when a driver becomes high-risk, or their license is suspended. This can be due to:

  • Driving under the influence (DUI)
  • Driving without liability insurance
  • Reckless driving history
  • Multiple and frequent traffic violations

Ohio 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). Ohio has its own terminology for it with operating a vehicle under the influence (OVI). It’s only a difference in name. An OVI in Ohio is the equivalent of a DUI in any other state. And, much like other states, the blood alcohol concentration (BAC) limit is 0.08. Penalties based on offense include:

1st Offense
2nd Offense
3rd Offense
Jail Time
Three days to Six months
10 days to Six months
30 days to One year
$375 to $1,075
$525 to $1,625
$850 to $2,750
License Suspension
One to Three years
One to Seven years
Two to 12 years
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