Ohio SR-22 & High-Risk Auto Insurance After DUI
Ohio requires 25/50/25 liability coverage and is an at-fault state.
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Ohio at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Ohio
Drivers with DUI convictions, repeat violations, at-fault accidents without insurance, or license suspensions typically must file SR-22 proof of financial responsibility with the Ohio Bureau of Motor Vehicles (BMV). SR-22 filing is not insurance itself—it's a certificate your insurer files to verify you carry continuous coverage. If your policy lapses during the SR-22 period, the BMV is notified immediately and your license is suspended until coverage is restored.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in Ohio
$182–$192/mo
Typical monthly rate in Ohio, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Number of violations: Multiple tickets or at-fault accidents within 3 years compound surcharges and may trigger non-standard carrier placement
- SR-22 filing duration: 3-year requirements cost less over time than 5-year DUI filings due to extended high-risk classification
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Ohio requires 25/50/25 minimums, but high-risk drivers should consider higher limits to protect assets if involved in another at-fault accident.
SR-22 Insurance
Proof-of-insurance filing required by the Ohio BMV after DUI, suspensions, or uninsured accidents. The SR-22 is attached to your liability policy and filed electronically by your insurer.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, violations, or lapses. Non-standard carriers write policies standard insurers decline and offer same-day SR-22 filing to meet BMV deadlines.
Full Coverage
Liability, comprehensive, and collision combined. Required by lenders and protects your vehicle in total-loss scenarios, but premiums are highest for high-risk drivers.
Uninsured Motorist Coverage
Protects you when an at-fault driver lacks insurance or carries only minimum limits. Optional in Ohio, but recommended given approximately 13% uninsured motorist rate statewide.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or single-car crash. Required by lenders; optional for drivers who own vehicles outright.