Cheapest SR-22 Insurance Quotes in Ohio
Best Ohio SR-22 insurance rates
Cheap Ohio SR-22 insurance for major violations: Geico
Geico also has the cheapest full-coverage SR-22 quotes after a major violation at $89 a month. USAA has the next-cheapest full-coverage Full coverage includes collision and comprehensive, which cover your car for damage and theft. quotes. However, USAA is only available to the military community.
SR-22 insurance rates after a major violation
| Company | Monthly liability only | Monthly full coverage | LendingTree | |
|---|---|---|---|---|
 | Geico | $44 | $89 |  |
 | Westfield | $44 | $131 | |
 | Progressive | $69 | $200 |  |
 | Erie | $85 | $184 | |
 | Auto-Owners | $110 | $249 |  |
 | Nationwide | $127 | $355 |  |
 | Allstate | $133 | $292 | |
 | Grange | $135 | $371 | |
 | Farmers | $141 | $350 | |
 | USAA* | $45 | $127 | |
*USAA is only available to current and former members of the military and their families.
Major violations include operating a vehicle under the influence (OVI) and reckless driving. You typically pay less for an SR-22/bond after a minor violation like driving without insurance.
Cheap Ohio SR-22 insurance for minor violations: Auto-Owners and Geico
At $75 a month, Geico has the cheapest full-coverage SR-22 insurance after a minor violation. Auto-Owners has the next-cheapest quotes for most drivers of $113 a month.
SR-22 insurance quotes after a minor violation
| Company | Monthly liability only | Monthly full coverage |
|---|---|---|
| Auto-Owners | $34 | $113 |
| Geico | $37 | $75 |
| Erie | $39 | $107 |
| Westfield | $46 | $134 |
| Progressive | $74 | $230 |
| Nationwide | $86 | $230 |
| Allstate | $94 | $210 |
| Farmers | $101 | $260 |
| Grange | $128 | $326 |
| USAA* | $29 | $84 |
How much is SR-22 insurance in Ohio?
Ohio drivers with a minor SR-22 violation pay an average of $67 a month for liability-only coverage. This is only 28% higher than the average rate with a clean record. Full-coverage SR-22 insurance after a minor violation costs an average of $177 a month.
SR-22 insurance costs
| Driving record | Monthly liability only | Monthly full coverage |
|---|---|---|
| Major SR-22 violation | $93 | $235 |
| Minor SR-22 violation | $67 | $177 |
| Clean driving record | $52 | $137 |
Your actual SR-22 insurance rate depends on many other factors besides your driving record. These include your age, car and credit, and each company treats them differently. It’s good to compare car insurance quotes from several companies to find the cheapest rate.
What is Ohio SR-22 insurance?
You usually need an SR-22/bond to reinstate a suspended license or registration after certain violations. These include OVI, reckless driving and driving without insurance.
An Ohio SR-22/bond requirement usually stays in place for three years. However, the filing period can last longer for severe or repeat offenses. If you move out of state, you still need to comply with an Ohio SR-22 order.
How do I get SR-22 insurance in Ohio?
You can usually get all the normal car insurance coverages you need with an SR-22/bond. Most companies usually add a filing fee of about $25 to your rate.
It’s good to be upfront about your SR-22 requirements when you shop for car insurance. This allows you to get accurate quotes. It can also help save you some time. If a company you contact doesn’t offer SR-22/bonds, you can quickly move on to the next one.
Insurance companies report SR-22 cancellations and expirations to the state. If your insurance lapses during your SR-22 filing period, your license or registration may be suspended. This may force you to start the SR-22 filing process all over again.
You can switch car insurance companies during your SR-22 filing period. If you do, make sure your new insurer knows about your bond requirement. You should also make sure your new agent files a new SR-22/bond certificate for you.
Can I get SR-22 insurance if I don’t own a car?
A basic non-owners policy only includes liability coverage. You can usually pay more to add
uninsured motorist
Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance.
coverage and
medical payments
Medical payments covers you and your passengers for car accident injuries, regardless of fault.
to a non-owners policy.
How much SR-22 insurance do I need?
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000
If you have a car loan, your lender will make you add collision Collision covers damage to your in a collision with another vehicle or object. and comprehensive Comprehensive covers you car for theft and damage from non-collision causes like fire, flood and vandalism. coverage to your policy. Both are also required for a lease.