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SR-22 Insurance Ohio, otherwise known as an SR-22, is a document that is issued by your car insurance company that validates that you carry the minimum liability coverage required by the state. This ‘Certificate of Financial Responsibility’ isn’t a type of insurance, but rather a document provided by your insurance company that shows you have liability coverage on your car insurance policy.

Ohio drivers that have had their licenses suspended, either due to significant moving violations or driving uninsured, may be required to file an SR-22 to reinstate their driving privileges. SR-22 forms can only be filed with the Ohio BMV by an insurer, and you’ll first need to purchase either auto insurance or a financial responsibility bond that meets the state’s requirements.

  • Ohio SR-22 Insurance cost
  • SR-22 Insurance in Ohio
  • Nonowner SR-22 Insurance in Ohio
  • The Risks Associated with an Ohio SR-22 Insurance
  • Why you need an SR-22 Insurance in Ohio
  • How long do I need to have an SR-22 in Ohio?
  • Ohio minimum car insurance requirements

Ohio SR-22 Insurance cost

The cost of SR-22 insurance varies based on the type of violation. Securing SR-22 insurance in Ohio comes with a cost. High-risk drivers will need to pay a one-time fee of about $25 to get their forms filed with the state. Drivers with a clean record are often eligible for good driver discounts offered by most car insurance providers. If you commit a high-risk violation, you will no longer qualify for these discounts.

The cost of an SR-22 is determined just like any other insurance policy. Several factors are taken into account to determine your premium, such as; age, gender, motor vehicle report, marital status, and the area you live in.

SR-22 Insurance in Ohio

In Ohio, you may be required to file an SR-22, or certificate of financial responsibility, in order to reinstate your driving privileges if you’ve been suspended for some reason. This can occur if the state has determined you to be a high-risk driver, such as after a DUI or multiple moving violations, or if you’ve been caught driving without proof of financial responsibility.

The SR-22 filing can only be filed by an insurer and acts as proof to the Ohio BMV that you carry one of the following:

  • An owners auto insurance policy that meets the state’s minimum liability requirements
  • A non owners auto insurance policy that meets the state’s minimum liability requirements
  • A financial responsibility bond

Once your SR-22 is on file with the BMV, it should send you a notice confirming this. Depending on the reason your license was suspended, Ohio may require you to file an SR-22 for either three or five years. Your insurer is required to notify the BMV if you have a lapse in insurance coverage during this period, in which case you will lose your driving privileges again.

Nonowner SR-22 Insurance in Ohio

Non-owner SR-22 insurance in Ohio is tied to a driver rather than a vehicle. If you commit a violation that needs SR-22, but you don’t own a car, this policy provides the required coverage. It is excellent for individuals who regularly borrow or rent cars from companies, family or friends. Non-owners insurance costs less than policies purchased associated with car ownership.

A non-owner insurance policy protects a driver’s liability when operating a vehicle that is borrowed from a friend or family member. Typically, non-owner insurance includes:

  • Bodily injury liability coverage
  • Property damage liability coverage
  • Medical payments coverage
  • Uninsured/underinsured motorist liability coverage

Non-owner insurance ensures that the driver meets the state’s minimum coverage requirements. However, it does not offer protection for the borrowed vehicle. Because a non-owner policy covers the driver rather than the car, there is no option to add collision or comprehensive insurance.

The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.

If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.

Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.

The Risks Associated with an Ohio SR22 Insurance

Compared to a regular insurance policy, one of the risks of SR22 insurance Ohio is that it only covers damages when you are directly responsible. Say you loaned out your car to a close pal who happened to crash it when he was coming home from a late night binge. This policy will not pay for the damages done.

Another major disadvantage of the SR22 Insurance is that it might not be able to protect you completely. Major car accidents can be financially disastrous with the medical bills crossing $130,000 and the bond only covers a maximum of $32,500. The remainder will again come out of your wallet. So a lot of drivers prefer buying auto insurance policy above the recommended minimums which covers them and their families appropriately.

Why you need an SR22 Insurance in Ohio

High-risk drivers in Ohio are often required to obtain an SR-22 form in the event their driver’s license is suspended. The main purpose of an SR-22 is to prove you carry the minimum amount of required liability coverage in the state of Ohio, which is 25/50/25. In most cases, you cannot get your license back without an SR-22.

There are many situations when a driver in Ohio might need to get an SR-22. Some of the common situations that usually require SR-22s include:

  • Getting charged with a DUI/DWI
  • Getting charged with reckless or negligent driving
  • Getting caught driving without insurance
  • Having multiple traffic violations in a short time period
  • Causing multiple at-fault accidents in a short period of time
  • Failing to pay court-ordered child support

In Ohio, drivers who need SR-22s must purchase a certificate from an insurance company that is licensed to do business in the state. Most insurance companies are able to file SR-22 certificates with the Ohio Bureau of Motor Vehicles (BMV) electronically within several days of purchase.

How long do I need to have an SR-22 in Ohio?

After a first offense, Ohio drivers will have an SR-22 requirement on their record for three years. For a second or third offense within a five year period, an SR-22 requirement will stay on their record for five years. Once the term is up, the certificate requirement will be removed from the driver’s record by the Ohio BMV. After the SR-22 requirement is removed, the driver’s car insurance rate will likely decrease, barring any other traffic violations or claims.

Ohio minimum car insurance requirements

Before purchasing SR-22 insurance, you will need to certify that you have car insurance or a financial responsibility bond that meets minimum auto insurance requirements in Ohio, which include:

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

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