SR22 Filing Ohio
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FAQ

How do I know if I need SR22 insurance?

The BMV will let you know if you have an SR22 requirement. If you are not sure, you can call the BMV at 614-752-7700 and ask. If your driver's license has been suspended, you will likely need SR22 insurance.

Where can I get SR22 insurance?

You can purchase SR22 insurance from any insurance company that is licensed to sell insurance in Ohio. Be advised that not all insurance companies offer SR22 insurance.

What is an SR22 form?

When you purchase an SR22 insurance policy, your insurance company will file a certificate of financial responsibility with the Ohio BMV. This certificate is called an "SR22 form" or "SR22 filing". It is also sometimes called a Certificate of Financial Responsibility, or CFR.

How do I file an SR22 form?

Once you purchase your SR22 insurance, your insurance company will file the SR22 form for you. You should ask them to do so electronically.

How long will it take the BMV to process my SR22?

If your SR22 is filed electronically, it will likely be processed within 1 day. If your SR22 is filed by mail, it can take up to a week for it to be processed.

How much does SR22 insurance cost?

SR22 rates vary and depend heavily on an individual's driving record. SR22 insurance can be expensive, so it is important to compare rates.

How long do I have to carry SR22 insurance?

That depends on why you are required to file the SR22. In most cases, Ohio requires SR22 insurance for 3 years. However, if your SR22 is required for a subsequent noncompliance offense, then you will have to file an SR22 for 5 years.

What is a filing fee?

Some insurance companies charge a small fee to file the SR22 form for you.

Why can't I have my SR22 faxed?

The BMV receives too many SR22 forms to allow them to be faxed. You can only file them electronically or by mail.

I have moved to another state. What happens to my SR22 requirement in Ohio?

Even if you move to another state, you still need to fulfill your SR22 obligation in Ohio. Talk to your insurance company about your specific scenario.

Do I have any alternatives to SR22 insurance?

Yes, you do have other options if you can afford them. If you don't want to purchase SR22 insurance, you can purchase a surety bond in the amount of $32,500. Or, you can file a certificate of deposit or a government bond for $30,000 with the BMV.

Do I have to have SR22 insurance for all my vehicles?

An SR22 insurance policy only covers an individual driver, not a vehicle. When you purchase SR22 insurance, you are proving that you, the driver, are insured.

Do I need SR22 insurance if I don't have a vehicle?

Yes, if you do not own a vehicle, you will need to purchase a non-owner SR22 insurance policy.

What does SR22 insurance cover?

In the event of an accident, SR22 insurance will pay for injury to someone else or to someone else’s property. It does not pay for damage to you or your property.

Why was my SR22 form returned to my insurance company?

Sometimes SR22 forms get returned if they are missing information. Check with your insurance company to make sure they have the correct information.

What happens if I don't maintain my SR22 policy?

If your SR22 insurance is canceled for any reason, e.g., you are late with a payment, your insurance company is required by law to notify the Ohio BMV.

 
 
     
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