Ohio SR-22 Insurance After Violations & DUI
Ohio requires 25/50/25 liability coverage and is an at-fault state.
Find Affordable Coverage 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, multiple violations, at-fault accidents while uninsured, or license suspensions typically must file SR-22 with the Ohio Bureau of Motor Vehicles to reinstate driving privileges. The SR-22 requirement typically lasts 3 years from the date of reinstatement. These minimums are often insufficient for drivers rebuilding their record, as a single serious accident can expose you to liability well beyond state limits.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive 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
- Age and gender: male drivers under 30 with SR-22 requirements pay the highest rates in Ohio
- Vehicle type: insuring a sports car or high-theft model with SR-22 can double your premium compared to a sedan
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage 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 serious accidents routinely exceed these limits—leaving you personally liable for the difference.
SR-22 Filing
Proof-of-insurance certificate filed with the Ohio BMV. Required for DUI, suspension, uninsured accidents, and high point accumulations. The filing itself costs $15–$50, but the high-risk policy behind it drives total cost.
Full Coverage
Liability plus comprehensive and collision. Protects your vehicle and other drivers. Required by lenders if you finance or lease.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if you are hit by an uninsured or underinsured driver. Optional in Ohio but protects you from out-of-pocket costs.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, hail, fire, animal strikes. Required by lenders and protects your investment if you own a newer vehicle.
Non-Standard Auto Insurance
High-risk policies from carriers that specialize in SR-22, DUI, suspensions, and lapses. Costs 50–150% more than standard insurance but accepts drivers others reject.