Auto Insurance with an SR-22 in Ohio

The Zebra
Nov. 16, 2018

If you're required by law to get an SR-22 in Ohio, don't worry. This relatively common insurance requirement is triggered by a driving violation such as a DUI, a citation for driving with no insurance, an at-fault collision with substantial property damage, driving with a suspended license, or accumulating too many points on your license.

Finding affordable car insurance with an SR-22 certificate in Ohio might require some research, but it could pay off. We examined how much an Ohio SR-22 certificate usually costs and how to request one — let’s dive in.


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How much does Ohio SR-22 insurance cost?

Car insurance with an SR-22 in Ohio can be expensive. This isn't a direct cost of the certificate — filing fees are $15 to $35 — but a product of the insurance premium increases triggered by the citation that prompted the SR-22 requirement to begin with.

Insurance companies bill risky drivers more on account of the heightened chance of having to pay out a claim after a crash. The rate increase you’ll face depends on the severity and number of the violations — below are average auto insurance rates for drivers with SR-22s in Ohio.


OHIO CAR INSURANCE RATES BY CITATION
High-risk rating factorAverage annual rateIncrease vs. clean record
No violations$1,037.17
At-fault collision (>$2,000)$1,494.00$456.83
Speeding (21-25 mph > limit)$1,288.08$250.91
Reckless driving$1,752.00$714.83
Racing$1,740.00$702.83
Leaving the scene of an accident$1,806.82$769.65
DUI$1,605.59$568.42

If you’re looking for cheap car insurance with an SR-22, we are here to help. Provide your ZIP code below to find personalized car insurance quotes from leading insurance companies.


How to get an SR-22 certificate in Ohio


Currently insured?

If you already have auto insurance, getting an SR-22 is relatively easy. Just call your insurance company request they file an SR-22 request on your behalf. If your current insurer refuses to file a request, you’ll need to shop for a new policy with a new insurance company.

Uninsured?

When filing for a new policy, you might face an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may disqualify you from being insured by some carriers, while others would be happy to sell you a policy.

If you aren't a vehicle owner:

If you don't own a vehicle, getting an SR-22 can be difficult, as you will need to show proof of insurance to obtain a certificate. In this scenario, you should get a non-owners auto insurance policy before requesting a certificate. Non-owners car insurance should be less costly than standard coverage since it doesn't cover physical damages to your automobile.

Our methodology

Between September and December 2017, The Zebra performed comprehensive analysis via its proprietary quote engine, incorporating data from insurance rating platforms and public rate filings. The Zebra assessed nearly 53 million premiums to identify trends related to specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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