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SR-22 Requirements in Ohio

In Ohio, drivers who are convicted of serious traffic offenses may require getting an SR-22 certificate from a certified car insurance provider. Remember that SR-22 is different from an insurance policy in that it is a certification that proves you have the minimum mandatory insurance in Ohio. If you have a damaging strike on your driving record, this certification may be required by the state.

SR-22 requirements are typically state specific. If you have a suspended driver’s license and are required to file an SR-22 form in Ohio, it is vital to know how it will influence your driving record and auto insurance rate. Read on for more information about SR-22 requirements in Ohio.

SR-22 Insurance in Ohio

If you are labeled a high-risk driver in Ohio after a major traffic conviction, you’ll need to file an SR-22 form in order to get your driver’s license reinstated if it has been revoked. SR-22 is intended to prove that you have the minimum amount of legally required liability car insurance coverage in Ohio.

Minimum liability coverage in Ohio is:

  • $25,000/$50,000: Bodily injury or death per person/per accident
  • $25,000: Property damage

The reasons that you might need an SR-22 in Ohio include license suspensions resulting from:

  • Non-compliance – driving without car insurance
  • Judgement – Property damage or bodily injury resulting from use of a motor vehicle

Drivers in Ohio who need these SR-22s should get a certificate from a reliable insurance firm that is licensed to do business in Ohio.

How Much Do I Need to Pay for SR-22 in Ohio?

Remember that an SR-22 form itself doesn’t increase or impact your insurance rate; however, the fee to get the form is typically $25 to file. In some instances, drivers must shell out the fee upfront prior to filing the certificate.

When done filing, you must also pay a license reinstatement charge. The fee for reinstatement in Ohio differs based on the kind of license suspension and ranges from $15 to $650. In Ohio, you can apply for a payment plan if you cannot afford the entire reinstatement fee upfront.

In Ohio, drivers who need to have an SR-22 on their record may be considered high-risk drivers by insurance companies and, therefore, tend to encounter high insurance rates. The increased rate will last as long as the SR-22 requirement is on your record. In Ohio, this tends to be three to five years, depending on the offense.

Drivers who are required to file an SR-22 form will pay anywhere from 9 to 40 percent more than a driver who has the same factors as you (age, credit history, address) but is not considered high risk. This can be as much as $300 to $800 more than what a normal driver would pay.

Always bear in mind that insurance providers utilize a diverse formula in setting premiums; therefore, you need to shop around to make sure you get the cheapest SR-22 car insurance.

Which Car Insurance Companies Provide Cheap SR-22 Insurance?

Once you start comparing rates for your coverage, you’ll be able to find an insurance company that offers insurance to high-risk drivers. Not all insurance companies offer insurance to drivers who need to file an SR-22 form – this is because these drivers represent a segment of the population that files more claims due to risky driving and lifestyle behaviors.

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SR-22s Requirement for Non-Car Owners

There are cases in which drivers in Ohio who require SR-22s don’t have an car. For instance, when you get pulled over due to a specific violation while driving your friend’s automobile, you might need to obtain an SR-22. To meet the SR-22 requirement, a driver, in this case, would require buying a non-vehicle insurance policy.

This type of insurance policy secures the liability of the driver when driving an auto that is borrowed from a family member or a friend or rented. Usually, non-owner insurance includes:

  • Property damage liability coverage
  • Bodily harm liability coverage

Non-owner insurance makes sure that the motorist meets Ohio’s minimum coverage requirements. On the other hand, it doesn’t provide security for the borrowed car. As this kind of policy covers the motorist and not the car, there’s an option to include collision or full coverage.

To buy this kind of insurance, first and foremost, you need to look for a car insurance firm that offers non-owner SR-22 insurance coverage. Normally, insurance providers who specialize in high-risk insurance provide non-owner policies.

During your application, you need to provide important personal information like address, birthday, and your driver’s license. The agent will compute the premium based on your age, credit score, and driving record, as well as claims history.

Your car insurance firm will file the SR-22 certification on your behalf with the state’s Bureau of Motor Vehicles (BMV). Only insurers are able to meet this requirement. They submit the form online, and the BMV processes in three business days. When the BMV processes the form, they will send you a letter of confirmation reinstating your driving privileges and license. You can also meet the Ohio SR-22 requirement by getting a bond with a car insurance provider, surety entity, or the state.

Requirements for SR-22 in Ohio

Ohio needs high-risk drivers to keep SR-22 insurance for 3 to 5 years. The state requires insurers to inform the BMV if the driver has a drop in coverage. If you do not maintain your car insurance continuously for this duration, you can lose your privileges once more.

The state also mandates high-risk motorists to keep these insurance policies for the needed number of years, with no exception. If you transfer to another state, you will still need to keep up this minimum coverage.

Find Affordable SR-22 Insurance in Ohio Online Today

Being required to file an SR-22 form can seem expensive and intimidating, but we can help you find cheap SR-22 insurance by researching through multiple insurance companies and offering you rates to choose from that meet your budget.

Here at SR-22 Adviser, we’re happy to help you find your SR-22 insurance. To get started, visit our partner site for an online quote today!