Motor vehicle violations such as multiple or uninsured at-fault accidents may require you to carry Ohio SR22 insurance. SR22 insurance can be costly. But UltraCar Insurance can help lower your costs by working with top-rated companies that offer affordable SR22 insurance rates. Our agents can issue and file your SR22 certificate electronically the same day we receive your inquiry.
The state of Ohio requires motorists to carry the following minimum amount of liability insurance:
- $25,000 liability for one bodily injury per accident
- $50,000 bodily injury liability for two or more injuries in an accident
- $25,000 in property damage liability per accident
What is Ohio SR22 Insurance?
Ohio SR22 insurance is high-risk liability insurance in the form of a financial responsibility certificate. When you purchase an owner or non-owner SR22 policy, we attach the certificate and file it with the Ohio Bureau of Motor Vehicles (BMV). The insurance company that issued your policy monitors it while you must carry it. If your policy lapses, even once, the issuing insurance company submits an SR26 form to the BMV. The SR26 cancels your SR22 filing, which results in another license suspension.
Ohio offers two types of SR22 insurance for license reinstatement: owner SR22 if you own a vehicle and non-owner SR22 if you don’t. For information about getting non owner SR22 insurance without a car, see Ohio Non Owner SR22.
Broad Form Insurance in Ohio
Another type of auto insurance is available to Ohio drivers called broad form insurance, or named driver insurance. It has the lowest auto insurance rate you can get, but has serious limitations and coverage exclusions. (See Broad Form Vehicle Insurance for more details.) Because of the nature of this policy type, we recommend speaking with one of our agents to determine whether it’s right for you. You can purchase broad form insurance as an owner-operator policy, which covers only you when driving your vehicle(s), or as a non-owner policy if you don’t own a car. If you need an SR22 filing for license reinstatement, you’ll attach the SR22 certificate to the broad form policy (see What is Broad Form SR22 Insurance?).
Ohio BMV
You’ll find more information about license suspensions and reinstatements on the Ohio BMV website.
UltraCar Insurance in Ohio
Whether you need owner or non-owner SR22 insurance, depend on UltraCar Insurance to find the best rate and policy for your needs. Get affordable Ohio SR22 quotes by phone or click Start Your Quote to complete our online quote form today!
