Cheapest SR-22 Insurance Quotes in Ohio
Geico has the cheapest SR-22 insurance in Ohio at $44 a month after a major violation. Auto-Owners has the cheapest SR-22 quotes for minor violations at $34 a month.
Best Ohio SR-22 insurance rates
Cheap Ohio SR-22 insurance for major violations: Geico
Geico has Ohio’s cheapest SR-22 liability insurance at $525 a year after a major violation. Westfield’s liability rate is only slightly more expensive at $530 a year. Both rates work out to about $44 a month.
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
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 | |
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
Auto-Owners has Ohio’s cheapest SR-22 liability insurance after a minor violation at $34 a month. This is only slightly less than Geico’s rate of $37 a month.
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?
SR-22 liability insurance costs an average of $93 a month after a major violation in Ohio. This is 79% higher than the rate for a driver with a clean record. Full-coverage insurance with a major SR-22 violation costs an average of $235 a month.
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?
An SR-22 is a form that certifies you have enough car insurance to drive legally in Ohio. Your insurance company files the certificate for you when you buy your policy.
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?
Most car insurance companies offer an SR-22/bond. You just need to let your current insurer, or the companies you contact for quotes, know about your SR-22/bond requirement.
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?
Several companies offer non-owners SR-22 insurance to drivers who don’t own a car. Non-owners SR-22 insurance lets you legally drive cars that you rent or borrow.
A basic non-owners policy only includes liability coverage. You can usually pay more to add uninsured motorist
How much SR-22 insurance do I need?
You typically only need minimum liability coverage to satisfy Ohio’s SR-22 insurance requirements. Ohio’s minimum liability requirements include:
- 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
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of more than 120,000 car insurance quotes from every Ohio ZIP code. Prices are shown for comparative purposes only. Your own rates may be different.
Unless otherwise noted, quotes are for a 30-year-old male with a 2015 Honda Civic EX. Major violation rates are for a driver with an OVI. Minor violation rates are for an insurance violation.
Liability policies contain Ohio’s minimum bodily injury and property damage limits. Full coverage includes:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
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*USAA is only available to active duty military, veterans and their immediate family members.