Ohio SR-22 Car Insurance

How Much Does SR-22 Cost in Ohio?

If you have been convicted of any driving violations in Ohio at least once, then you are bound to acquire SR-22 insurance to renew your driving privileges. It is mandatory for your insurance policy to meet the minimum liability requirements of Ohio. On the other hand, if you intend to continue driving but don’t own a car, you can apply for non-owner SR-22 insurance to garner liability insurance coverage. Filing SR-22 insurance in Ohio is typically cheap and charges a one-time fee of $20 to $25.

Drivers in Ohio who have received driving citations in the past are bound to pay more expensive rates. However, the increase in their car insurance policy in Ohio will depend on the severity of the violation.

What is the rate of SR-22 insurance in Ohio?

Ohio’s SR-22 insurance rate can rise up to $1000 after a serious citation such as DUI or at-fault accidents. Driving citations such as speeding tickets can also render an increase in your car insurance rates in Ohio. Thus, regardless of the kind of violation you commit, your auto insurance rate will rise significantly.

On the other hand, there are also ways to gain cheap SR-22 insurance in Ohio. Comparing rates from different car insurance companies will help you identify the one that will lead to more affordable SR-22 insurance rates. You can extensively gather information about various policies from other companies and take into account your current driving profile. Additionally, you can hire an agent to help you come up with cheap SR-22 insurance in Ohio.

Ohio SR-22 Car Insurance Rates by Company

There are several SR-22 insurance major players in Ohio. Grange, Progressive, and State Farm are some of the few that offer competitive SR-22 auto insurance rates in the state. These car insurance companies intensively evaluate your driving history to determine your risk level. Insurers will then give your SR-22 car rates upon examining your recent driving profile, location, age, and vehicle type.

Ohio SR-22 Car Insurance Rates

CompanyYearly Average RateSR-22 Insurance Rate Per Year
Grange$467$674
State Farm$421$722
Progressive$577$777
GEICO$413$933
Erie$444$1,072
Allstate$753$1,477
Nationwide$801$1,773

One of the most common causes of car insurance increase is the privilege of a good driver discount. If you have been convicted with DUI citations, you will not be eligible for a good driver discount for ten years. Additionally, after a DUI or road violations, your license can be voided, and an additional cost will render for license reinstatement.

Drivers in Ohio attach SR-22 forms along with a Financial Responsibility bond to save on their insurance. These bonds are available to purchase from auto insurance companies in Ohio. However, the most effective and ideal way is still comparing quotes from different car insurance companies in Ohio to identify the one that best suits your current situation.

What is SR-22 Car Insurance in Ohio?

SR-22 insurance projects the financial responsibility and stability of the high-risk driver. There are a couple of requirements when acquiring SR-22 insurance in Ohio. One of which is purchasing a car insurance policy that meets the standard level of the liability insurance policy. The other one is the filing of the SR-22 form to BMV, which must be done by your insurer on your behalf.

Ohio SR-22 Insurance Requirements

Ohio SR-22 Car Insurance

How Long Do You Need an SR-22 After an Accident?

Typically, the length of how long you will need SR-22 insurance is measured by the level of your violation or the severity of the damages.  Most of the violations will only render a three-year SR-22 insurance requirement. However, for more severe fractions of violations and damages, it can last up to ten years.

Being under SR-22 insurance, you will need to be prompt with payments and following the good driver rules. If you fail to do so, it is likely for your driving privileges to be suspended again and your car insurance policy to get canceled. Thus, any lapses can lead to non-renewable policies and driver’s license.

Ohio Non-Owner SR-22 Insurance

Three Forms of Financial Responsibility

You will not be eligible for non-owner SR-22 insurance in Ohio if you have a car that you constantly drive despite it is owned by another person, perhaps a friend or a family. But, for those who are qualified for non-owner SR-22 insurance, state-required liability insurance will be provided regardless of the kind of car you drive. On a brighter note, non-owner SR-22 insurance holders garner cheaper rates in contrast to those under an owner’s policy. It is one way to reduce your SR-22 insurance cost in Ohio after a violation.

Ohio Car Insurance Rates After Common Violations

Common CitationAnnual Average Rate (with violation)Annual Average Rate (with no violation)
No Citations$1,027
At-Fault Crash at >$2,000$1,616$566
Speeding Ticket (21-25mph above limit)$1,357$595
Reckless Driving$1,642$595
Racing$1,699$650
Hit-And-Run$1,699$650
DUI/DWI$1,644$601

How To Get an SR-22 Insurance in Ohio?

Having an active auto insurance policy, it can be easy to acquire an SR-22 after a violation. Just directly contact your agent or car insurance provider and request them to file SR-22 insurance on your behalf. However, there are some insurance companies around Ohio that will refuse your request. Thus, the best thing to do is to look for another company that can cater to your needs.

Filing an Ohio SR-22 Insurance for Insured Drivers

If you are insured and want to file SR-22 car insurance in Ohio, an additional cost will be billed to you for the whole process of the application. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22 insurance. 

Filing an Ohio SR-22 Insurance for Non-Owners

It can be tricky for non-owner drivers to acquire SR-22 insurance, but it also can be cheaper. All you need to do is concrete proof of your insurance to acquire the required certificates that were mentioned above.

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for SR-22 insurance. It may take a lot of your time and effort but, being able to qualify for non-owners SR-22 insurance will help you garner cheaper rates since you will not be given coverage for the physical damage of your vehicle in cases of collision. 

The bottom line is, it is better to prevent the obligation of acquiring SR-22 insurance as much as possible. Maintaining a good driving profile and intentionally avoiding road violations will keep on you the list of good drivers in Ohio, which, relatively, is the best way to keep your car insurance rate on the average level. 

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