Ohio DUI SR-22 Insurance After Conviction
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
$40
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Ohio
Ohio is a tort state — the at-fault driver's insurance pays for injuries and property damage in an accident. After a DUI conviction, the Ohio Bureau of Motor Vehicles requires SR-22 filing before license reinstatement and for 3 years after the reinstatement date. Your insurer must notify the BMV electronically within 24 hours of purchase. If your policy lapses or cancels during the filing period, your carrier notifies the BMV and your license is suspended immediately.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
What Drivers Pay in Ohio
$246–$268/mo
Typical monthly rate in Ohio, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Conviction class drives rate tiers — first-offense standard DUI typically qualifies for Tier 2 non-standard pricing, while aggravated DUI with injury or high BAC pushes drivers into Tier 3 or assigned-risk pricing.
- Ohio assigns 6 BMV points for DUI conviction, which remain on your record for 2 years and compound with any other moving violations during the SR-22 filing period.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf your license is suspended
Limited Driving Privileges
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long does SR-22 filing last after a DUI in Ohio?
Ohio requires SR-22 filing for 3 years after a DUI conviction, measured from the license reinstatement date, not the conviction date. If your policy lapses at any point during those 3 years, the Ohio Bureau of Motor Vehicles suspends your license immediately and the 3-year clock resets when you file a new SR-22 and pay the reinstatement fee.
Which insurance carriers file SR-22 in Ohio after a DUI?
Most mainstream carriers like State Farm, Geico, and Progressive will file SR-22 for existing customers but typically non-renew at the end of the policy term. New DUI SR-22 policies generally require non-standard carriers like Bristol West, Dairyland, The General, or Safe Auto, which specialize in high-risk drivers and operate throughout Ohio.
Does Ohio require SR-22 for first-offense DUI?
Yes — the Ohio Bureau of Motor Vehicles requires SR-22 filing for all DUI convictions, including first-offense standard DUI. The filing period is 3 years from the license reinstatement date, and you cannot regain driving privileges without proof of SR-22 on file with the BMV.
Can I transfer my Ohio SR-22 if I move to another state?
No — SR-22 filing requirements are state-specific and do not transfer. If you move out of Ohio before your 3-year filing period ends, you must contact the Ohio Bureau of Motor Vehicles to confirm whether the filing obligation continues or terminates, and your new state may impose its own SR-22 or FR-44 requirement depending on interstate license compact rules.
Coverage Types
SR-22 Insurance
Electronic filing proving you carry state-minimum liability. Required for 3 years after DUI conviction in Ohio, measured from the license reinstatement date.
Non-Owner SR-22
Liability-only policy with SR-22 filing for drivers who do not own a vehicle. Satisfies Ohio BMV filing requirements and allows you to drive borrowed or rental vehicles legally.
Uninsured Motorist Coverage
Covers your medical bills and lost wages when an uninsured or hit-and-run driver injures you. Optional in Ohio but widely recommended for DUI drivers in the non-standard market.
Liability Insurance
Pays for injuries and property damage you cause to others. Ohio requires 25/50/25 minimum, but DUI drivers face higher lawsuit risk and should consider 50/100/50 or higher limits.