How do I file an SR-22 in Ohio? This question is about SR-22 Insurance Guide

To file an SR-22 certificate in Ohio, purchase at least the state’s minimum liability car insurance coverage. The insurance company will file your SR-22 with the Ohio Bureau of Motor Vehicles (BMV) on your behalf for a $25 fee. More specifically, if you’re applying for a new policy, indicate on the form that you need an SR-22 certificate. If you have an existing policy that you need to change, contact your insurance company to let them know, and proceed from there. Drivers must keep their minimum-insurance certification active with the state for 3-5 years to fulfill Ohio’s SR-22 insurance requirements. As long as you maintain your policy, your SR-22 documentation stays active. But your insurance company is also required to notify the state if you cancel your policy or allow it to lapse prematurely. How to file an SR-22 in Ohio Compare SR-22 car insurance quotes. Buy a car insurance policy that covers Ohio’s minimum insurance requirements. Contact your insurance company about getting an SR-22 certificate. Maintain your policy for 3-5 years. You will need to maintain your SR-22 insurance even if you move from Ohio. In that case, you would need to get an insurance policy in your new state and have the insurer file an SR-22 certificate for you. If your new state does not require SR-22 certification, you can buy the legal minimum insurance in that state to avoid having your license suspended while transitioning to your new state. Once your new policy is in place, Ohio considers you to be abiding by your SR-22 requirement. However, if your Ohio coverage lapses before you have a new policy, the clock resets. In that case, Ohio will inform your new state that you’re in violation of your required SR-22 period.

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How do I file an SR-22 in Ohio?

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This question is about SR-22 Insurance Guide

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Winslow Arizona, Car Insurance Writer

@winslow_arizona • 02/09/23 This answer was first published on 02/14/20 and it was last updated on 02/09/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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To file an SR-22 certificate in Ohio, purchase at least the state’s minimum liability car insurance coverage. The insurance company will file your SR-22 with the Ohio Bureau of Motor Vehicles (BMV) on your behalf for a $25 fee.

More specifically, if you’re applying for a new policy, indicate on the form that you need an SR-22 certificate. If you have an existing policy that you need to change, contact your insurance company to let them know, and proceed from there.

Drivers must keep their minimum-insurance certification active with the state for 3-5 years to fulfill Ohio’s SR-22 insurance requirements. As long as you maintain your policy, your SR-22 documentation stays active. But your insurance company is also required to notify the state if you cancel your policy or allow it to lapse prematurely.

How to file an SR-22 in Ohio

Compare SR-22 car insurance quotes.
Buy a car insurance policy that covers Ohio’s minimum insurance requirements.
Contact your insurance company about getting an SR-22 certificate.
Maintain your policy for 3-5 years.

You will need to maintain your SR-22 insurance even if you move from Ohio. In that case, you would need to get an insurance policy in your new state and have the insurer file an SR-22 certificate for you. If your new state does not require SR-22 certification, you can buy the legal minimum insurance in that state to avoid having your license suspended while transitioning to your new state.

Once your new policy is in place, Ohio considers you to be abiding by your SR-22 requirement. However, if your Ohio coverage lapses before you have a new policy, the clock resets. In that case, Ohio will inform your new state that you’re in violation of your required SR-22 period.

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How far back does insurance check your driving record?

Most insurance companies check your driving record for the past three to five years, meaning if you had a violation outside this time period, it will not affect your insurance premiums. Some states regulate this “look-back” period, however, making it longer or shorter. For example, Massachusetts allows insurance companies to look back at 10 years of driving records. Virginia limits insurers to checking only three years of history.

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What does SR-22 insurance cover?

SR-22 insurance covers the cost of other people’s injuries and property damage after accidents that you cause, and it does not cover damage to your own vehicle. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.

SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as...

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Can I get car insurance with a suspended license?

Yes, you can get car insurance with a suspended license if you have a hardship license to drive to work, school, and medical appointments. Or, some car insurance companies may be willing to insure your car against non-collision damage —theft, fire, flood, vandalism, falling objects, etc.—if you turn in your plates and store the vehicle for as long as your driver's license is suspended.

You may have to shop around for coverage. If your...

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