Certain drivers in Ohio will need to obtain an SR-22 from a licensed auto insurance company at some point during their lifetime. But contrary to popular belief, an SR-22 is not an insurance policy. It is a certificate that proves you carry the minimum required insurance in the state, and it is often necessary if you have a negative strike on your driving record.
SR-22 requirements in Ohio are unique to the state. If your driver’s license is suspended and you are required to purchase an SR-22 certificate, it is important to understand how it will affect your driving record and your car insurance rate. Keep reading to learn more about SR-22s in Ohio, how much they cost and how long the requirement to have one stays on your record.
SR-22 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.
Cost of SR-22s in Ohio
SR-22s on their own do not impact or increase your insurance rates, but the cost to obtain the form varies by state and insurance company. An SR-22 from Progressive costs about $25, on average, to file. In most cases, drivers are required to pay the cost upfront before their certificate can be filed.
After filing an SR-22, drivers in Ohio are also typically required to pay a license reinstatement fee. Reinstatement fees in Ohio vary based on the type of license suspension and range from $15-$650. The state offers payment plans for people who have at least $150 in reinstatement fees and cannot afford the full cost upfront.
In addition, Ohio drivers who are required to have an SR-22 on their record will also likely face higher car insurance rates due to their high-risk driving history. High-risk drivers are more likely to file insurance claims in the future, so insurance companies compensate for the added risk by raising the monthly premiums. The rate increase will last for as long as the SR-22 requirement is on the driver’s record.
Non-Owner SR-22s for Ohio Drivers
There are some instances in which Ohio drivers need SR-22s but do not own a vehicle. For example, if a driver gets pulled over for drunk driving while borrowing a friend’s car, they may be required to get an SR-22. To satisfy the SR-22 requirement, drivers in this situation would need to purchase a non-owner insurance policy.
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.
To purchase non-owner insurance in Ohio, drivers first need to find an auto insurance company that sells this type of coverage. Usually, companies that specialize in high-risk insurance offer non-owner policies. Most drivers will need to work with a live agent to purchase the policy.
During the application process, drivers will be asked to provide basic personal information such as their birthday, home address and driver’s license number. The agent will calculate the premium based on the person’s age, driving record, credit score and claims history.
Frequently Asked Questions
What is the difference between an SR-22 and an FR-44?
SR-22 and FR-44 forms are similar in many ways. Both certificates are required for drivers who are high-risk and have negative marks on their driving record. However, SR-22s are issued in most states, whereas FR-44 insurance is only issued in Florida and Virginia. The main difference between the two certificates is that FR-44s usually come with a minimum liability limit of $100,000, or double the state’s minimum requirement.
How long do I need to have an SR-22?
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.
Does my state require SR-22 insurance?
Most states require SR-22 forms to be obtained by drivers who have their license suspended, get convicted of a DUI/DWI or receive multiple negative marks on their driving record. The only exception is Florida and Virginia, where FR-44s are required instead of SR-22s. You can check with your state’s department of insurance to find out if SR-22s are required where you live.