Fairfield, Ohio
7500 Dixie Hwy
Fairfield, OH 45014
(513) 860-0666

How Long Do You Need SR-22 Insurance? September 18, 2020

Fairfield, Butler
How Long Do You Need SR-22 Insurance?, Fairfield, Ohio

Like most states, Ohio requires all drivers to carry auto insurance. However, if insurance companies view you as a high-risk driver due to multiple traffic violations or a suspended or restricted license, you will need SR-22 insurance. Below is more information about this type of insurance bond, as well as how long you must carry it. 

What Is SR-22 Insurance?

Although people sometimes call this bond SR-22 insurance, it is not an insurance policy. It is a certificate of financial responsibility or proof of insurance. It serves as a promise to the state that you will continue paying for the minimum amount of required liability car insurance coverage.

Drivers typically must receive an SR-22 bond if you are caught driving without adequate car insurance. However, the state may also instruct you to get SR-22 insurance if you experience a license suspension or revocation. For example, you may have excessive points on your license or a DUI conviction, both of which block you from having normal driving privileges.

SR-22 insuranceUsually, an SR-22 bond is a requirement before you can file for license reinstatement. It is particularly significant if you or your insurance provider discontinued your previous auto policy. An SR-22 bond protects you from a lapse in coverage. 

How Long Must You Hold It?

In most cases, you’ll need to carry your SR-22 insurance for three years. At that point, if you have no new violations, providers will likely no longer consider you a high-risk driver. However, you must also stay up-to-date on payments if you opt for an installment plan. Otherwise, the state may suspend your license again. 


If you are a high-risk driver and need to switch auto insurance policies, contact 1st Choice Insurance. Based in Fairfield, OH, this family-owned and -operated business specializes in helping high-risk drivers operate a vehicle safely and responsibly. Call (513) 860-0666 to speak with a helpful team member to receive an auto insurance quote. Visit the website to learn more about their services.

Other Announcements, Events and Deals from 1st Choice Insurance
5 Steps to Prepare a Motorcycle for Winter Storage, Fairfield, Ohio
Storing your motorcycle in a secure area for the winter will help shield it from the elements. It will also keep you from riding on slick roads—a leading source of accident...read more
4 Motorcycle Safety Tips for New Riders, Fairfield, Ohio
Once purchased, bikers benefit from their motorcycle’s fuel efficiency and an exciting sense of freedom. But bikers are vulnerable on the road, which is why having&nbs...read more
A Guide to Hail Damage, Fairfield, Ohio
When signing up for auto insurance, you need a policy that offers complete protection for unexpected circumstances, whether you have an accident or incur damages from inclement ...read more
A Guide to Auto Insurance for Rideshare Drivers, Fairfield, Ohio
If you are a rideshare driver, you enjoy many of the benefits that come with self-employment, including setting your hours and unlimited earning potential. However, you may not know ...read more
3 Safety Tips for Driving an RV, Fairfield, Ohio
When you purchase a recreational vehicle (RV), it takes some time to adjust to driving it. This is because they handle differently than other vehicles due to their significant size a...read more