Cheapest SR22 Insurance in Ohio – What You Need to Know

Ohio has strict laws when it comes to car insurance. If you are caught driving without the minimum coverage, you could face hefty fines, license suspension, and even jail time. If you have been convicted of a DUI or other traffic violation, you may be required to file for an SR22 insurance in order to get back on the road legally. However, the cost of SR22 insurance can be expensive. In this article, we will explore different ways to find the cheapest SR22 insurance in Ohio without compromising on coverage.

What is SR22 Insurance?

SR22 insurance is not an actual insurance policy, but a certificate that proves you have the minimum liability coverage required by law. The certificate is filed by your insurance company with the Ohio Department of Public Safety (ODPS) to show that you have the required insurance coverage. It is also known as a Certificate of Financial Responsibility (CFR).

If you are required to file for an SR22 insurance in Ohio, it means you are considered a high-risk driver. Common reasons for requiring an SR22 include DUI, reckless driving, driving without insurance, and driving with a suspended license.

What Coverage is Required for SR22 Insurance in Ohio?

Ohio requires drivers to have a minimum liability coverage of:

This coverage will pay for damages or injuries you cause to others in an accident. Keep in mind that this is the minimum required coverage and you may want to consider getting higher liability limits for better protection.

How to Find the Cheapest SR22 Insurance in Ohio?

Shop Around and Compare Quotes

The first step to finding the cheapest SR22 insurance in Ohio is to shop around and get quotes from different insurance companies. Each company sets their own rates, so it’s important to compare prices to get the best deal. You can do this by calling insurance companies directly or by using an online quote comparison tool.

When comparing quotes, make sure you are comparing apples to apples. Look at the coverage limits, deductible, and any additional fees or discounts that may apply. Also, consider the reputation of the insurance company and their customer service.

Choose a Higher Deductible

The deductible is the amount you have to pay out-of-pocket before your insurance kicks in. Choosing a higher deductible can help lower your monthly premium. However, keep in mind that you will have to pay more in case of an accident.

Take Advantage of Discounts

Most insurance companies offer discounts for good driving habits, multiple vehicles, and bundling with home or renters insurance. Make sure to ask about any available discounts that you may qualify for.

Improve Your Driving Record

The better your driving record, the lower your insurance rates will be. If you have a history of traffic violations, consider taking a defensive driving course to improve your skills and show your commitment to safe driving.

Frequently Asked Questions

How Long Do I Need to File for SR22 Insurance in Ohio?

The duration for filing an SR22 in Ohio varies depending on the offense. Typically, you are required to file for three years from the date of your conviction or until your license is reinstated, whichever comes later.

What Happens if I Don’t File for SR22 Insurance in Ohio?

If you don’t file for SR22 insurance when required, your license will be suspended until you do so. You may also face fines and other penalties.

Can I Cancel My SR22 Insurance in Ohio?

Yes, you can cancel your SR22 insurance once you no longer need it. However, keep in mind that you will need to maintain the minimum liability coverage required by law.

Do I Need to Own a Car to Get SR22 Insurance in Ohio?

No, you can get non-owner SR22 insurance if you don’t own a car but still need to file for SR22. This type of insurance covers you when you drive someone else’s car or a rental car.

Does SR22 Insurance Cover My Car?

No, SR22 insurance does not cover your car. It only provides liability coverage for damages or injuries you cause to others in an accident.

Conclusion

Filing for SR22 insurance in Ohio can be expensive, but there are ways to find the cheapest rates without sacrificing coverage. Shop around, compare quotes, choose a higher deductible, and take advantage of available discounts. Also, consider improving your driving record to get better rates in the future.

If you need help finding the cheapest SR22 insurance in Ohio, consult with a licensed insurance agent who can guide you through the process and answer any questions you may have.