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SR-22 Insurance & Bonds in Ohio
Facing a license suspension in Ohio for an OVI or serious traffic violation? You may need SR-22 insurance to regain your driving privileges. This guide covers what SR-22 insurance is, how it works in Ohio, and how to find affordable options.
What Is SR-22 Insurance in Ohio?
SR-22 insurance in Ohio isn’t an insurance policy itself but a certificate proving you meet the state’s minimum liability insurance requirements. It’s often required if your license has been suspended for reasons such as an OVI, driving without insurance, or other serious offenses. The Ohio Bureau of Motor Vehicles (Ohio BMV) requires that Ohio SR-22 insurance includes at least the following minimum liability coverage:
- $25,000 bodily injury
- $50,000 total bodily injury
- $25,000 property damage
Once your SR-22 insurance in Ohio is filed, it must remain active for at least three years. Canceling or failing to renew your policy during this time will result in another license suspension.
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How to Get SR-22 Insurance in Ohio
The simplest way to file Ohio SR-22 Insurance with the BMV is by working with your insurance provider to handle the process electronically. Most filings are processed within 72 hours. Once the SR-22 is filed and you meet other reinstatement conditions, the BMV may restore your driving privileges.
To help make the process smoother, Breathe Easy Insurance Solutions can help you file your Ohio SR-22 insurance quickly and hassle-free. Contact our licensed agents to get started today.
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Who Needs SR-22 Insurance in Ohio?
You may need SR-22 insurance if your license has been suspended for reasons including:
- Convictions for OVI (Operating a Vehicle Under the Influence of alcohol or drugs)
- Driving without insurance
- Repeated traffic violations
Even if you don’t own or have regular access to a vehicle, you may still need to obtain a non-owner Ohio SR-22 insurance policy, which provides liability coverage as required by the state.
How Much Is SR-22 Insurance in Ohio?
The cost of SR-22 insurance in Ohio depends on several factors, including your driving history, the type of policy you need, and the insurer. While the filing fee for SR-22 is typically low (around $25), the real cost comes from increased premiums due to your higher risk level.
To find the cheapest SR-22 insurance Ohio, shop around and compare quotes from multiple insurers. Breathe Easy Insurance Solutions specializes in helping drivers find affordable SR-22 policies tailored to their needs.
Ohio’s Use of the Term OVI
In Ohio, the term OVI stands for “Operating a Vehicle Under the Influence.” Unlike the more common DUI, which focuses on driving, OVI includes operating any vehicle—from cars to bicycles—while impaired. This broader definition helps ensure that all vehicle operators are held accountable for safe behavior on the road. By using OVI, Ohio emphasizes responsibility and safety, regardless of the type of vehicle being operated.
Ohio SR-22 Bond Requirements
Ohio law requires that SR-22 bonds be maintained for at least three years. If your Ohio SR-22 bond lapses, the bond holder will notify the BMV, and your license may face suspension again. Staying compliant is crucial to avoid additional penalties.
OVI Penalties in Ohio
First Offense
- Jail time : 3 days to 6 months
- Fines : $375 to $1,075
- Driver's License Suspension : 1 to 3 years
Second Offense
- Jail time : 10 days to 6 months
- Fines : $525 to $1625
- Driver's License Suspension : 1 to 7 years
Third Offense
- Jail time : 30 days to 1 year
- Fines : $850 to $2,750
- Driver's License Suspension : 2 to 12 years
FAQs About SR-22 Insurance in Ohio
What Is an SR-22 Bond in Ohio?
An SR-22 bond is a certificate filed with the Ohio BMV to verify you meet the state’s minimum liability insurance requirements with a bond, rather than with an insurance policy. It is often required for license reinstatement after an OVI or other major driving offense.
How Long Do I Need SR-22 Insurance in Ohio?
You typically need SR-22 insurance for three years for a first offense OVI, although the exact duration may vary depending on your circumstances. During this time, your insurance provider must notify the state of any policy lapses.
Can I Get SR-22 Insurance Without Owning a Car?
Yes, non-owner SR-22 insurance is available for individuals who don’t own or have regular access to a vehicle. This policy ensures you meet Ohio’s liability requirements if you drive someone else’s car as defined by your non-owner policy.
How Can I Find Affordable SR-22 Insurance?
To get the cheapest SR-22 insurance Ohio, compare rates from multiple providers. Breathe Easy Insurance Solutions can help you find affordable coverage that meets state requirements.
Why Drivers Trust Breathe Easy Insurance
Fast Filing
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Get SR-22 Insurance Support Today
Dealing with an OVI or license suspension can be overwhelming, but you don’t have to go through it alone. Breathe Easy Insurance Solutions is here to help. Our licensed agents specialize in finding affordable Ohio SR-22 insurance options, including non-owner policies, and can assist you with filing your SR-22 quickly and efficiently.
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