Updated March 2026
State Requirements
Ohio requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These minimums apply to all drivers, but SR-22 filing is required for specific violations including DUI convictions, driving without insurance, multiple moving violations within 12 months, or license suspensions. Ohio operates on a point system where accumulating 12 points within 2 years triggers a 6-month license suspension, and drivers with 6 or more points typically see rate increases of 30–60% even without SR-22 requirements.
Cost Overview
High-risk auto insurance in Ohio costs substantially more than standard rates due to violation type, points on your license, and driving history. A DUI conviction can increase premiums 80–180%, while a single speeding ticket (2 points) typically raises rates 15–25%. Drivers with 6+ points or multiple violations often pay $2,400–$5,200 annually compared to $900–$1,400 for clean-record drivers, though rates vary significantly by carrier and city.
What Affects Your Rate
- Violation type: DUI/OVI increases rates 80–180%, reckless driving 50–100%, at-fault accidents 30–60%, speeding tickets 15–40%
- Points on license: 2–5 points increase rates 15–30%, 6–11 points increase rates 40–80%, 12+ points often require non-standard carriers
- SR-22 filing status: adds $15–$50 filing fee plus premium surcharges of 20–50% depending on underlying violation
- Time since violation: rates begin decreasing after 1–2 years and normalize 3–5 years post-violation if no new incidents occur
- City location: Cleveland and Columbus drivers pay 20–35% more than rural Ohio due to accident frequency and theft rates
- Coverage level and deductible: increasing deductibles from $500 to $1,000 reduces premiums 15–25% for high-risk profiles
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Coverage Options
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Frequently Asked Questions
Sources
- Ohio Bureau of Motor Vehicles — SR-22 Requirements and Filing Procedures
- Ohio Department of Insurance — Minimum Auto Insurance Requirements
- Ohio Revised Code § 4509 — Financial Responsibility Act
- Ohio BMV — Point System and License Suspensions