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SR-22 in Ohio: Fees, Minimum Coverage and How Long
The short answer
In Ohio, an SR-22 is a certificate your insurance company files with the Ohio BMV to prove you carry at least the state minimum liability insurance of $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). You must keep it in force for 1 year for suspensions imposed on or after April 9, 2025 (older cases 3 or 5 years); if the policy is canceled early, the insurer reports it and your license can be suspended again. The state charges no fee for the SR-22 itself; your insurer may charge its own filing fee. The state's reinstatement fees are $40 to $600, depending on the suspension.
At a glance
| Uses SR-22 | Yes |
|---|---|
| Minimum liability | 25/50/25 |
| How long | 1 year for suspensions imposed on or after April 9, 2025 (older cases 3 or 5 years) |
| State reinstatement fee | $40 to $600 |
| Who files it | Your insurance company |
What else to know in Ohio
Since April 9, 2025, Ohio requires the SR-22 for 1 year from the suspension. The financial responsibility reinstatement fee grows with each violation: $40 for the first, $300 for the second and $600 for the third or later, plus a $10 deputy registrar fee. An OVI reinstatement is $315.
Steps
- Get a liability policy of at least 25/50/25 from an insurer licensed in Ohio and tell them you need an SR-22. Not every insurer provides it.
- The insurer files the SR-22 with the Ohio BMV. You cannot file it yourself.
- Pay the state's fees on your suspension notice. The state's reinstatement fees are $40 to $600, depending on the suspension.
- Keep the policy active for 1 year for suspensions imposed on or after April 9, 2025 (older cases 3 or 5 years). Before you cancel, confirm with the state that your requirement has ended; canceling early can suspend your license again.
FAQ
How long do I need the SR-22 in Ohio?
1 year for suspensions imposed on or after April 9, 2025 (older cases 3 or 5 years), under Ohio's rules (see the sources below).
Does Ohio charge a fee for the SR-22?
No. It is filed by your insurer, which may add its own charge. The state's reinstatement fees are $40 to $600, depending on the suspension.
Can I get an SR-22 without a car?
Yes. Some insurers offer non-owner SR-22 policies for drivers without a vehicle. Coverage depends on the policy; ask the insurer.
What liability limits does Ohio require?
$25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.