SR-22 vs. Regular Auto Insurance: Key Differences You Should Know

Understanding the differences between SR-22 and regular auto insurance is essential for Ohio drivers, especially if you’re facing license reinstatement or have been labeled a high-risk driver.

What Is SR-22 Insurance?

SR-22 insurance isn’t a separate type of auto policy. Instead, it’s a certificate your insurer files with the Ohio Bureau of Motor Vehicles (BMV) to prove you carry the state’s minimum required liability coverage. SR-22 is often required after certain driving violations, such as DUI convictions, driving without insurance or accumulating too many points on your license.

Who Needs SR-22 in Ohio?

You may be required to obtain an SR-22 if any of the following are true:

• Your license has been suspended or revoked due to serious traffic offenses.
• You’ve been caught driving without insurance.
• You’re seeking license reinstatement after a DUI or other major violation.

If you’re unsure whether you need an SR-22, our team can help you review your situation and state requirements.

How Does an SR-22 Affect Your Insurance?

Needing to file an SR-22 means you’re considered a high-risk driver. This can impact your insurance in several ways:

• Higher premiums—Insurers may charge more due to the increased risk.
• Policy restrictions—Some companies may not offer coverage to drivers needing SR-22.
• Continuous coverage—You must maintain uninterrupted coverage for the required period, or your insurer will notify the BMV, which could result in another suspension.

Regular Auto Insurance vs. SR-22

Regular auto insurance is available to most drivers and covers the state’s minimum liability requirements or more, depending on your needs. SR-22 insurance provides the same coverage but includes the additional filing to prove compliance with Ohio law for high-risk drivers.

Learn More

At Mitchell Brokerage Services, LLC, we specialize in helping drivers secure the coverage they need. Whether you require an SR-22 or standard auto insurance, our team can guide you through the process, explain your options and help you stay on the road legally. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.