The state of Ohio requires certain high-risk drivers—those who have had their license revoked for serious or multiple violations, and those who've been stopped while driving without a license or insurance—to file a bond that proves they are currently maintaining minimum insurance levels on their vehicle. This is known as SR22 insurance. First Choice Insurance, one of the most trusted and reliable car insurance companies in Fairfield, OH, explains below how the Ohio SR22 process works. They are the region's experts at insuring high-risk drivers and offer the most affordable SR22 bond insurance in greater Cincinnati.

Why Ohio Requires SR22 Insurance

The SR22 is a bond filed by your car insurance company, in which they guarantee that you have purchased at least the state minimum required liability and property damage coverage, that your payments are up to date, and that your coverage has not lapsed. It tells the Ohio Bureau of Motor Vehicles that you have at least $25,000 worth of property damage liability coverage and personal liability coverage in the amounts of $25,000 for one injured person and $50,000 per accident. This ensures that other drivers are protected in the event that you become involved in an auto accident.

How SR22 Insurance Works

You must contact a car insurance company licensed in Ohio, purchase the required insurance, and pay for the policy. Your agency—usually for a fee of $10 to $25—then files an SR22 bond with the Ohio Bureau of Motor Vehicles. Note that SR22 insurance does not cover the costs of injuries or damages to your vehicle unless you purchase collision or comprehensive coverage. If you ignore the bond requirement and get pulled over while driving without insurance, you'll be assessed a $150 fine and a license suspension of 90 days. Consequences are significantly more severe for second and third offenses.

First Choice Insurance, one of the most experienced and dependable car insurance companies in Fairfield, OH, are happy to customize an auto insurance policy for you that meets Ohio state minimums and will file your bond insurance for a nominal fee. Visit their website to learn more, or call (513) 860-0666 to speak with a courteous, knowledgeable expert about your SR22 insurance needs.