Ohio SR-22 Insurance After Filing Ends
Ohio requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After SR-22Ohio at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$40
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Ohio
Drivers with DUI convictions, license suspensions for certain violations, uninsured accidents, or repeat offenses typically face a 3-year SR-22 filing requirement enforced by the Ohio Bureau of Motor Vehicles. After your SR-22 filing ends, these minimums still apply, but your rate depends on how long ago your violation occurred and which carrier you choose.
Liability Insurance
Full Coverage
Uninsured/Underinsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
What Drivers Pay in Ohio
$167–$268/mo
Typical monthly rate in Ohio, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Violation type: DUI/OVI results in higher post-SR22 rates than suspensions for points or lapses
- Carrier choice: Non-standard carriers that wrote you during SR-22 often charge more post-filing than standard carriers now willing to insure you
- County and zip code: Urban areas like Cuyahoga County (Cleveland) and Franklin County (Columbus) typically see higher rates due to accident frequency and theft
- Credit-based insurance score: Ohio allows insurers to use credit history in pricing, which significantly affects post-SR22 premiums
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Limited Driving Privileges
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Ohio requires 25/50/25, but post-SR22 drivers often raise limits to 100/300/100 to appeal to standard carriers and protect assets.
Full Coverage
Combines liability, collision, and comprehensive. Essential for financed vehicles and recommended for newer cars to protect your investment after an at-fault accident or total loss.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Not required in Ohio, but adds critical protection given the state's uninsured driver population.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal collisions. Valuable in Ohio due to deer strikes in rural areas and severe weather including hail and winter storms.
SR-22 Insurance
SR-22 is a filing, not a policy type. Your insurer submits proof of coverage to the Ohio BMV for 3 years. Once your requirement ends, you no longer need the filing, but your violation history still affects rates.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers. Common during SR-22 periods, but post-SR22 drivers should transition to standard carriers as soon as eligible to reduce costs.