How to get an SR22 Insurance in Ohio

How to get an SR22 Insurance in Ohio?

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What is an SR22 Insurance and why do I need it?

An SR22 insurance is needed by a state’s Department of Motor Vehicles (DMV) as confirmation that a driver meets the minimum basic requirements of vehicle liability insurance needed by the state. 

SR22 is basically a certificate of financial responsibility which is needed to reestablish your driving privileges after a driving infraction for example, a DUI conviction, an uninsured car crash/auto accident.

Though it is commonly referred to as “SR-22 insurance”, it’s not insurance. It is simply a document provided by the insurance company that proves the driver has the liability coverage on the car insurance policy required by the specific state.

 

SR22 Insurance in Ohio

If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then BMV(Bureau of Motor Vehicles) in Ohio will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your license reinstated.

SR-22 requirements in the state of Ohio are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.

 

Who needs an SR22 Insurance in Ohio?

A Ohio SR-22 insurance is essential for drivers –

  1. Caught for DUI, DWI, or other significant traffic violations (failure to stop after a collision, drug related incidents, reckless driving etc).
  2. Who was involved in an accident where there was bodily injury or death or where property damage exceeded $400 and the driver was not covered by the state’s minimum liability insurance.
  3. Caught without auto insurance or are unable to show proof of insurance to the concerned authorities.

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What is the basic minimum coverage amount to be purchased and maintained by all the drivers requiring an SR22 Insurance in Ohio?

The state of Ohio requires all drivers requiring an SR22 Insurance to have a basic minimum coverage of –

  1. $25,000 bodily injury liability per person.
  2. $50,000 bodily injury liability total per accident.
  3. $25,000 property damage liability total per accident.

 

How do I get an Ohio SR22 Insurance?

Your Ohio SR22 insurance can be acquired from your auto insurance provider. The insurance agency will file your SR22 auto insurance form with the Ohio Bureau of Motor Vehicles(BMV) for a fee. You will receive a copy of the form along with a letter from the Bureau of Motor Vehicles(BMV) once your SR22 insurance filing has been accepted. 

SR22InsuranceNow can help you in getting the cheapest SR22 Insurance in Ohio. Our nationwide partnerships with top providers (Geico, StateFarm, Progressive, Allstate etc) makes sure that you get the cheapest SR22 insurance rates in Ohio. Call us now at 888-885-3948 to compare rates from top providers and get the best offer unique to your requirement!

 

How much does an Ohio SR22 Insurance cost?

Your insurance agency will charge you a fee of $25 to $50 to file for an SR22 insurance in Ohio. Having an SR22 certificate in Ohio will increase your premium amount depending on your traffic violation, and other factors such as your age, driving history, and more.

You can check the table below to get an estimate of how much does a SR22 insurance cost in Ohio after being convicted of one of the below mentioned driving infractions- 

High risk rating factor Average Annual Rate Increase vs. no violations
No Violations
$1047
-
At-fault collision with damage over $2,000
$1,626
$579
Speeding of 21-25 mph over the limit
$1,363
$316
Reckless driving
$1,650
$603
Racing
$1,707
$660
Hit-and-run
$1,707
$660
DWI
$1,658
$611

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How long do I need an Ohio SR22 Insurance?

You must maintain the SR22 for a minimum of three years. You are required to renew your SR22 insurance in Ohio at least 15 days before the expiration date. If your insurance lapses, your insurer is required by law to notify the State of Ohio, this will lead to the suspension of your driving license until the SR22 is renewed.

 

Non-Owner SR22 Insurance In Ohio

In Ohio, non-owner SR22 insurance is required by drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving. 

SR22InsuranceNow can help you in finding insurance companies that offer non-owner SR22 insurance in Ohio. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Call us at 888-885-3948 today!

 

Some FAQs regarding SR22 Insurance in Ohio

 

1. Where can I get the cheapest SR22 Insurance in Cleveland, Ohio?

SR22InsuranceNow can help you find the cheapest SR22 Insurance in Cleveland, Ohio. Our nationwide partnerships with top providers (Geico, StateFarm, Progressive, Allstate etc) will help you get the cheapest SR22 insurance rates in Cleveland, Ohio. Call us at 888-885-3948 now!

 

2. Can you legally drive a car with just an SR22 in the state of Ohio?

If you own a car, your car MUST be insured in Ohio for state minimum liability limits and you can have an SR22 Insurance as an add on if you are considered as an at-risk driver. But if you don’t own a car, you’ll have to get a non owner SR22 Insurance to stay out of trouble.

 

3. How to get cheap SR22 insurance in Ohio without a car? 

If you don’t own a car, you’ll have to get a Non – Owners SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.

SR22InsuranceNow will help in finding insurance companies that offer the cheapest non-owner SR22 insurance in Ohio. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day.

 

4. How do I find out if I need to get SR22 insurance in Ohio?

An SR-22 is a mandate given by either the court or your state. If it’s court-mandated, the judge would let you know during your hearing that you are required to get it. If it’s state-mandated, typically, you would receive an official letter in the mail from the Bureau of Motor Vehicles(BMV) of Ohio that you are required to get an SR-22.

You can also approach the state of Ohio BMV to get a clarification whether you need a SR22 Insurance in Ohio or not.

 

5. Which companies offer cheap SR22 Insurance in Ohio?

Top insurance companies like StateFarm, Geico, Allstate, Progressive and many more offer SR22 Insurance in Ohio. 

Call SR22InsuranceNow at 888-885-3948 and compare SR22 car insurance quotes from top providers (Geico, State Farm, Allstate, Progressive)

 

6. Which companies offer Non – Owner SR22 Insurance in Ohio?

Top insurance companies like StateFarm, Geico, Allstate Progressive and more offer Non – Owner SR22 Insurance in Ohio. 

You can call SR22InsuranceNow and one of our agents will assist you in choosing the cheapest Non – Owner SR22 Insurance plan now!

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