Ohio SR-22 Insurance
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 26, 2025
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What is Ohio SR-22 Insurance?
An Ohio SR-22 car insurance certificate, or a financial responsibility insurance form, is a document that serves as proof that a driver is financially responsible for maintaining the minimum required car insurance as governed by state insurance laws.
Six major factors affect car insurance rates in Ohio. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a OH DUI arrest.
Read more: SR-22 Bond Ohio
Who Needs SR-22 Insurance in Ohio?
In the state of Ohio, SR-22 car insurance must be carried by motorists who were involved in an accident that caused property damage in excess of $400, bodily injury or death and the driver was uninsured at the time, drivers who failed to produce valid proof of insurance at an officer’s request, and drivers convicted of a major traffic violation.
Are There Different Types of Ohio SR-22 Car Insurance Forms?
A driver in Ohio can file one of three different types of SR-22 insurance certificates. An Operator’s Certificate covers financial responsibility for a driver who operates but does not own a car. An Owner’s Certificate covers a driver who owns and operates a car. An Operator’s-Owner’s Certificate covers all vehicles that a driver owns or does not own.
Is SR-22 Car Insurance Required in Ohio?
Yes, Ohio SR-22 car insurance forms must be filed with the state. Drivers in Ohio must carry liability insurance, and if they are convicted of a serious moving violation, they must have their insurer file a SR-22 auto insurance form with the state. Failure to do either will result in a $500 fine and suspension of your license and registration if you are ever stopped by a police officer during a traffic stop or accident and fail to produce proof of insurance.
How Do I File an Ohio SR-22 Insurance Form?
You can ask your insurer to file an Ohio SR-22 auto insurance form with the Ohio Bureau of Motor Vehicles. Your insurer will charge a processing fee to do this, and fees vary among agencies. You can go online to request a SR-22 insurance quote from agencies in your area. You will receive a copy of the Ohio SR-22 car insurance form from your insurer once your filing is accepted, along with a letter from the Bureau of Motor Vehicles. You must maintain the SR-22 for three years and renewed it at least 15 days before the expiration date. Your insurer is required by law to notify the State of Ohio if your OH SR-22 insurance form lapses, at which time your driving record will be suspended until the SR-22 is renewed.
