If you need an SR-22 certificate to get car insurance in Ohio, don't worry. This relatively common insurance requirement is triggered by a citation such as a DUI, a driving-without-insurance citation, a collision causing substantial property damage, driving with a suspended license, or amassing too many points on your license.
Getting inexpensive insurance coverage with a SR-22 certificate in Ohio might take some research, but it could pay off in the end. We explored how much money a SR-22 costs in Ohio and how to easily get one — let's dive into the details.
How much does an SR-22 cost in Ohio?
SR-22 insurance in Ohio is often expensive. This isn't a direct result of the SR-22 — filing fees are $15 to $35 — but a product of the insurance premium increases initiated by the citation that prompted the SR-22 to begin with.
Auto insurance companies charge risky drivers higher premiums to account for the more substantial risk of having to pay out a claim after an accident. The price increase you’ll face may depend on the severity and number of the citations — below are average insurance rates for motorists with SR-22s in Ohio.
OHIO INSURANCE PREMIUMS AFTER COMMON VIOLATIONS
|High-risk rating factor||Average annual rate||Increase vs. no violations|
|At-fault collision (>$2,000)||$1,626||$579|
|Speeding (21-25 mph > limit)||$1,363||$316|
If you are looking for reasonably priced car insurance with a SR-22 certificate, The Zebra is here to help. Enter your ZIP code below to receive personalized auto insurance quotes from leading insurers.
How to obtain an SR-22 in Ohio
Currently insured?If you currently have auto insurance, requesting an SR-22 certificate isn't too tough. Call up your car insurance company ask them to file a SR-22 request on your behalf. If your current auto insurance company isn’t willing to request a certificate, you should look for a new auto insurance company.
For uninsured driversWhen applying for a new policy, you might face an up-front fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. An SR-22 requirement could disqualify you from getting coverage from some companies, while others will sell you a policy.
Don't own a car?Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicleNot owning a vehicle makes it more difficult to obtain an SR-22, as you will need to display proof of insurance to receive the certificate. If you don't own a car, get a non-owners car insurance policy before pursuing an SR-22. A non-owners policy can be less expensive than traditional coverage since it won’t provide protection for physical damages sustained by your vehicle.
we conducted in-depth pricing analysis through its proprietary insurance quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra analyzed almost 53 million premiums to explore trends related to specific car insurance pricing factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.