Cheap SR22 Insurance in Ohio

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If you are looking for cheap SR22 insurance in Ohio, you have come to the right place. Here, we will explore some of the common questions people have about SR22 insurance and how you can find affordable rates in Ohio.

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What is SR22 Insurance?

SR22 insurance is a type of auto insurance that is required by law for drivers who have been convicted of certain violations, such as driving without insurance, driving under the influence of drugs or alcohol, or multiple traffic violations. The SR22 certificate is filed by the insurance company with the state’s Department of Motor Vehicles (DMV) to prove that the driver has the necessary insurance coverage to legally operate a vehicle.

The SR22 certificate itself is not an insurance policy, but rather a document that proves the driver’s insurance coverage meets the state’s minimum requirements. In Ohio, the minimum liability coverage for SR22 insurance is:

Type of Coverage
Minimum Requirements
Bodily Injury Liability
$25,000 per person and $50,000 per accident
Property Damage Liability
$25,000 per accident

Why Do I Need SR22 Insurance?

If you have been convicted of a serious traffic violation, such as driving under the influence or driving without insurance, you will likely need SR22 insurance to legally operate a vehicle in Ohio. Failure to obtain SR22 insurance can result in fines, license suspension, and even imprisonment.

How Can I Get Cheap SR22 Insurance in Ohio?

While SR22 insurance can be more expensive than traditional auto insurance, there are some things you can do to reduce your premiums. Here are some tips for finding cheap SR22 insurance in Ohio:

Compare Rates from Multiple Insurance Companies

One of the easiest ways to find affordable SR22 insurance is to compare rates from multiple insurance companies. Each insurance company sets its own rates and has its own underwriting guidelines. By shopping around, you can find the company that offers the best rates for your specific situation.

Stay with the Same Insurance Company

Many insurance companies offer discounts to customers who stay with them for extended periods. If you already have auto insurance with a company, ask them if they offer SR22 insurance and if they can give you a discount for bundling your policies.

Choose a Higher Deductible

A higher deductible means you will pay more out of pocket if you get into an accident, but it also means lower premiums. Consider choosing a higher deductible to reduce your monthly insurance costs.

Maintain a Good Driving Record

Insurance companies look at your driving record when determining your rates. Maintaining a good driving record, free of accidents and traffic violations, can help keep your SR22 insurance premiums low.

Take a Defensive Driving Course

Some insurance companies offer discounts to drivers who take defensive driving courses. These courses teach safe driving techniques and can help you avoid accidents and traffic violations. Check with your insurance company to see if they offer discounts for taking a defensive driving course.

FAQs

How Long Do I Need SR22 Insurance in Ohio?

The length of time you will need SR22 insurance in Ohio varies depending on the violation. In most cases, you will need to maintain SR22 insurance for three years from the date of the violation. If you fail to maintain the required insurance coverage during this time, your license may be suspended.

How Much Does SR22 Insurance Cost in Ohio?

The cost of SR22 insurance in Ohio varies depending on several factors, including your driving record, age, and location. On average, SR22 insurance costs about $500 per year in Ohio, but this can vary widely depending on the insurance company and your individual circumstances.

What Happens If I Cancel My SR22 Insurance?

If you cancel your SR22 insurance before the required time period, your license will be suspended until you obtain new insurance coverage. You may also be subject to fines and other penalties for driving without insurance. It is important to maintain the required insurance coverage until the time period is up to avoid these consequences.

Do I Need SR22 Insurance if I Don’t Own a Car?

If you don’t own a car but still need to legally drive in Ohio, you may be able to obtain non-owner SR22 insurance. This type of insurance provides liability coverage when you are driving a car that you don’t own.

In conclusion, finding affordable SR22 insurance in Ohio is possible if you take the time to shop around and follow these tips for reducing your premiums. Remember, maintaining the required insurance coverage is essential to legally operating a vehicle in Ohio and avoiding fines and other penalties.

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