Ohio SR22 Insurance
Ohio SR22 Insurance
Ohio SR22 Insurance - The Ohio Bureau of Motor Vehicles may require you to carry SR22 insurance or an SR-22 bond. Both insurance and bonds provide liability insurance for at least the state minimum coverage level but insurance can provide more options.
What is a Ohio SR22 bond?
The Ohio SR22 bond will provide liability protection of $12,500 per person and $25,000 per accident plus $7,500 for property damage. This type of bond will cover you no matter which car you are driving and is often referred to as Ohio’s Financial Responsibility Filing. Remember that the bond is only for liability protection and it will not insure your vehicle.
Learn More About Ohio SR22 Insurance:
Should I buy a Ohio SR22 bond or SR22 insurance policy?
If you are only looking to fulfill your court ordered requirements and don’t care to protect your vehicle or yourself against uninsured drivers than a bond will work. A Ohio SR-22 insurance policy will provide the state with your court required documents plus add benefits such as comprehensive and collision coverage for your vehicle. Most people opt for the insurance policy. Get Ohio SR22 insurance quotes from Select Insurance Group to compare rates fast.
Reasons you may be required to have an Ohio SR22:
- 12 points on your license
- Involved in accident without insurance
- Driving under the influence (DUI)
- Traffic violation while driving without insurance
How much does SR22 insurance cost in Ohio?
Most insurance companies will charge a filing fee of $25 to $50 to add the SR-22 form to an auto insurance policy. The type of policy can be liability only, full coverage, or a non-owner policy. With regards to the cost of such policy it truly depends on the following factors and not directly related to the SR22 filing in OH:
- Credit History
- Driving Record
- Vehicle Model
Ohio SR22 Laws
Do not let the insurance policy lapse or cancel as the provider will notify the state and your license will be suspended again. The SR22 is an add on to a standard auto insurance policy that guarantees the state will be notified of any change in status and is commonly referred to as a future financial responsibility filing. You can change insurance companies but be sure to get a new SR22 filed before the old one is cancelled.
Ohio SR22 law requires the filing for three years from the suspension date or 5 years if you were not carrying insurance at the time.
The state of Ohio requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:
- $12,500 Per Person Bodily Injury
- $25,000 Per Accident Bodily Injury
- $7,500 Property Damage
While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.
In Ohio you may get your license suspended for one of the following reasons:
- 12 points on driving record within a two year period
- 6 month suspension
- Child support order is in default or person failed to comply with warrant
- Indefinite suspension until in compliance
- First Offense OVI or DUI – operating a vehicle over the legal limit of alcohol concentration or drug abuse
- Suspension determined by court
- Habitual OVI offender – convicted 3 or more times within the preceding 3 year period
- Court ordered and must complete treatment/rehab program
In Ohio driving while under the influence of alcohol and/or drugs is unlawful if over a certain blood alcohol content (BAC). The following are limits set by law depending on the type of driver:
All Drivers – BAC LIMIT = 0.08%
Minor Drivers (under age 21) – BAC LIMIT = 0.02%
Commercial Drivers – BAC LIMIT = 0.04%
Implied Consent Law in Ohio
If you refuse to submit a chemical test in Ohio these are the following penalties:
- First Refusal of Test – Drivers license suspension for 1 year
- Second Refusal of Test – Drivers license suspension for 2 years
- Third Refusal of Test – Drivers license suspension for 3 years
- Fourth Refusal of Test – Drivers license suspension for 5 years
Drunk driving cases in Ohio are often referred to as Ohio OVI (operating a vehicle while intoxicated), Ohio OMVI (operating a motor vehicle while under the influence or intoxicated), and Ohio DUI (driving under the influence of alcohol).
Some drivers will need to install an ignition interlock device to adhere to Ohio state law. These drivers have been convicted of a DUI or other alcohol related driving offense. This device is installed in each vehicle that the driver operates and must be from a certified installation center.
Here are some approved installation centers:
Do not remove the installed device prior to your suspension period as it will require you to start the suspension over again.
Ohio SR22 Insurance By City:
|Cleveland, OH SR22 InsuranceCincinnati, OH SR22 InsuranceColumbus, OH SR22 Insurance||Elyria, OH SR22 InsuranceYellow Springs, OH SR22 InsuranceMason, OH SR22 Insurance|
Select Insurance Group’s Customer Testimonials:
” Select Insurance Group was 1/4 of the price that everyone else had quoted for their Ohio owner SR22 insurance plans. I saved over $3,000 a year!!!” – Jamie B. – Columbus, OH.
” Select Insurance Group made buying and filing my Ohio SR22 insurance policy quick and easy!” - Anna T. – Cincinnati, OH
“ Select Insurance Group gets an A+ in my book. The whole Ohio SR22 Bond process took less than 5 minutes from start to finish.” – Lonny G. – Cuyohoga Falls, OH
“ Select Insurance Group had all the best carriers and prices for my Ohio SR22 Insurance Policy. My agent was extremely knowledgeable about the product, state regulations and helped me get back on the road quickly!” – Jody G. - Cleveland, OH.
“ Working with Select Insurance Group for my Ohio non-owner SR22 Insurance policy was a true blessing!” – Twanda W. - Sandusky, OH
“ My agent at Select Insurance Group had my back on my Ohio SR22 Insurance. The Financial responsibility was in place in less than 24 hours!” – David W. - Middletown, OH
” Even though I had no prior insurance coverage, my agent at Select Insurance Group was able to find me an SR22 after my Ohio DUI. Within an hour, I was able to walk into the DMV and get my license reinstated on the spot!” – Tammy A – Lakewood, OH
“ I’d recommend Select Insurance Group for anyone needing an SR22 Insurance policy in Ohio. These guys are professional and very good at what they do” – Mary K – Chillicothe, OH
” My agent at Select Insurance Group cared about my situation, didn’t judge and helped me find an affordable SR22 Insurance plan after my DUI in Ohio!” - Gary S. – Gahanna, OH
“If you need an affordable SR22 Insurance plan in Ohio, I’d recommend using Select Insurance Group. These guys are knowledgeable and work with a bunch of companies – so you know you are going to get the best deal“. – Carl O – Akron, OH