Posted September 28th, 2018 by Amy Danise
If you're required to have SR-22 insurance in Ohio, you need an auto insurance policy from a company that will file an SR-22 form with the state. An SR-22 is proof that you have auto insurance.
If you're ordered to have SR-22 insurance, Ohio requires an SR-22 for three to five years, depending on the reason you have it.
You can be required to have SR-22 insurance in Ohio if:
- You have an unsatisfied judgment against you, meaning you haven't paid a court order.
- You are a "habitual traffic offender" and your license is suspended because you have 12 or more points. You'll get a warning letter from the Bureau of Motor Vehicles (BMV) when you exceed five points.
- You have a "non-compliance suspension" in Ohio, meaning you failed to show proof of insurance after an accident or at a traffic stop.
Source: Insurance Industry Committee on Motor Vehicle Administration
See a list of points for traffic violations from the Ohio BMV.
Cheap SR-22 insurance in Ohio
The expensive part of SR-22 insurance isn't getting the form filed. There's usually only a small administrative fee for that from the insurer. But the fee to reinstate a suspended Ohio driver's license can be hundreds of dollars, depending on the reason for suspension. See a list of license reinstatement fees from the Ohio BMV. Also, you can usually expect an increase in car insurance rates based on the problem that led you to an SR-22, such as traffic violations.
Even drivers who need SR-22 forms can potentially save money by shopping around for quotes. There are companies that specialize in high-risk drivers and that provide SR-22s. EverQuote can connect you to the right insurers.
Fast, Free Auto Insurance Quotes
The Best Car Insurance CompaniesCar Insurance Quotes
Liability Car InsuranceComprehensive and CollisionMotorcycle InsuranceGap InsuranceNon-owner Car InsuranceRideshare InsuranceSR-22 Insurance
3 Kinds of Insurance You Don’t Know You’ll NeedLife Insurance Coverage For You And Your Family6 Things You May Not Know Are Increasing Your Insurance CostsWhat Is Flood Insurance?Is Your Car Insurance Hurricane Ready?