Insurance While Your Ohio License Is Suspended

What is our services?

Here is what applies:

• How long you need it — and what changed in 2025For a first non-compliance offence added to your record on or after 9 April 2025, the SR-22 requirement is one year. Before that date it was three years for a first offence and five years for a repeat offence within five years. What decides which applies is when the offence was added to your record, not today’s date.
• Who files itYou contact an insurance company licensed to do business in Ohio, apply and pay for the policy, and the company files the SR-22 or bond with the Bureau of Motor Vehicles. You cannot file it yourself.
• How fast it processesMany insurance companies file electronically, and those filings usually process within 72 hours of receipt.
• What the certificate actually isThe BMV describes an SR-22 or bond as a minimum-limit liability insurance policy that covers only the individual named on it.
• If the policy cancelsInsurance companies are required by law to report a cancelled SR-22 or bond policy to the Bureau of Motor Vehicles. A lapse is not something the state finds out about later; it is reported.
• If you move out of OhioYou still file. If the SR-22 or bond is a requirement of your Ohio suspension, it follows the Ohio record — and the certificate must be written for the state of Ohio.
• Minimum liability limitsOhio requires $25,000 for injury or death of one person, $50,000 for injury or death of two or more people, and $25,000 for property damage in an accident.

Minimum coverage required: Ohio’s minimum liability limits are 25/50/25 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident (Ohio BMV, Mandatory Insurance).

Source: Ohio Bureau of Motor Vehicles — Insurance Suspensions. See also Ohio Bureau of Motor Vehicles — Reinstatement Fees & Amnesty.