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There are drivers in Ohio who may be required to obtain an SR-22 form from a licensed auto insurance company. An SR-22 form is not an insurance policy, but rather a certificate showing proof you have purchased the minimum amount of auto insurance mandated by the state. It is typically the result of negative marks against a driving record.
The name of the insurance form may vary from one state to another, but every state has its own set of requirements surrounding who is required to file an SR-22 form. Below, Bankrate’s team of insurance experts breaks down how to get an SR-22 in Ohio, the cost associated with obtaining the form and its impact on your driving record.
What is SR-22 Insurance?
Typically an SR-22 form is required for high-risk drivers in Ohio and it’s usually requested when a driver’s license has been suspended. The SR-22 has one main purpose, which is to show proof to the Ohio Bureau of Motor Vehicles (BMV) that a driver has indeed met the minimum liability coverage requirements for auto insurance. In Ohio, the form would prove that the driver has purchased at least $25,000 for bodily injury liability, $50,000 for bodily injury liability of two or more people, and $25,000 for property damage liability coverage per accident.
Reasons for needing an SR-22 form are varied, but could include when a driver:
- Is charged with a DUI/DWI
- Is caught driving without insurance
- Has too many at-fault accidents or moving violations in a short amount of time
- Fails to pay child support
- Gets charged with negligent or reckless driving
Drivers who need an SR-22 form need to contact an auto insurance company that is licensed to do business in the state of Ohio. There is an application process and drivers must pay a fee. The insurance company files the form with the Ohio BMV on behalf of the driver. It takes about 72 hours to process, so be sure to plan ahead for the time needed to process the required paperwork.
If you have been convicted of a major violation, it’s possible you could see an increase in auto insurance premiums. If a carrier decides to cancel your coverage or increase your rates, you may need to shop around and switch to a new auto insurance carrier.
SR-22 Ohio alternatives
A driver who was required to obtain an SR-22 in Ohio may be required to obtain an alternative type of form if they move states. Whether another form type is required will depend on previous or current convictions. The table below outlines what other forms may be required.
|Form||States issued||Required insurance minimums|
|SR-22||All states except Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania||Standard liability|
|SR-19||California and Texas||Standard liability|
|SR-21||Florida, Georgia, Indiana||Standard liability|
|SR-22A||Georgia, Texas, Missouri||Standard liability, but must prepay 6 months of insurance|
|FR-44||Florida and Virginia||Double the liability limits|
- SR-19. There are two variations to an SR-19 and it depends on which state you live in. In Texas, it is a payment agreement between an at-fault driver who does not have insurance and the injured party. In California, the form verifies the other driver does not have insurance, but it is filed by the injured party instead.
- SR-21. This form certifies the driver did have insurance coverage on the day of an automobile accident. It is typically requested when there is bodily injury, death or property damage exceeding $1,000.
- SR-22A. This form is usually required after a driver has received multiple convictions of driving without insurance (DWI). Both a form and six months of insurance prepayment are required.
- FR-44. In Florida and Virginia, the FR-44 is required for drivers with multiple convictions, typically a DUI or other high-risk behaviors, to show financial responsibility.
- SR-50. This form required by Indiana shows the driver has obtained the minimum liability requirements by the state. Indiana requires this when a driver has had two moving violations within a year or a moving violation occurs after a DWI conviction.
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 or PIP 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.
FR-44 in Ohio
Florida and Virginia are the only states that use an FR-44 form as an alternative to the SR-22, which means the FR-44 form is not an option for drivers residing in Ohio. The FR-44 is similar to an SR-22, except it is required for drivers with a DUI or DWI conviction.
SR-22 Ohio insurance costs
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 filing may cost about $25, on average. In most cases, drivers are required to pay the cost upfront before their certificate can be filed.
After filing an SR-22 in Ohio, drivers whose licenses have been revoked or suspended 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 have an SR-22 on their motor vehicle 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 or annual premiums.