Ohio SR-22 & High-Risk Auto Insurance

Ohio's 25/50/25 minimums are mandatory but often insufficient for drivers with violations. Non-standard carriers may require higher liability limits (50/100/50 or greater) to qualify for coverage after a DUI or multiple violations, which protects both the insurer and your assets.

SR-22 is not a type of insurance but a certificate your insurer files with the Ohio BMV proving continuous coverage. Ohio requires 3 years of continuous SR-22 filing, and any lapse restarts the clock and can result in immediate license suspension.

Ohio does not require uninsured/underinsured motorist coverage, but it's offered with every policy and must be rejected in writing.

Full coverage combines liability, comprehensive, and collision insurance. Required by lenders if you're financing or leasing a vehicle, it's also recommended for high-risk drivers with newer cars to protect against total loss from accidents, theft, or weather damage.

Non-standard carriers specialize in insuring drivers with DUIs, multiple violations, lapses, or SR-22 requirements who are declined by preferred insurers. Ohio has several non-standard carriers including Direct Auto, Acceptance Insurance, and The General, though availability and rates vary significantly by violation type and location.