What Is an SR22 Bond in Ohio?


In Ohio, the SR22 bond has many names: the SR22, the SR22 certificate, the high-risk filing and the certificate of insurance. If you fail to comply with Ohio’s financial responsibility requirements, the state of Ohio will make the SR22 bond a contingency for maintaining driving and registration privileges.

Financial Responsibility

Ohio mandates that its drivers maintain financial responsibility while operating on the roadways. To comply, drivers can elect to maintain auto insurance coverage or secure and deposit a certificate of insurance or surety bond with the Department of Motor Vehicles. Drivers that elect auto insurance coverage must maintain bodily injury and property damage limits of, at least, $12,500 per person, $25,000 per accident and $7,500 for property damage. Drivers that elect to deposit with the Ohio DMV must secure bonds or certificates of, at least, $30,000. Drivers that own more than 25 vehicles can elect to self-insure after receiving approval from the Ohio DMV.

SR22 Filing

The SR22 bond is a filing that is added to your auto insurance policy. This filing opens the lines of communication between your insurance company and the Ohio Department of Motor Vehicles. Once processed, your auto insurance company will report your policy’s inception and cancellation information to the Ohio DMV. Cancellation notifications are issued regardless of reason, including for nonpayment and nonrenewal. If you elect to change insurance companies, you must notify the new carrier that you require a new SR22 filing.

SR22 Bond

The state of Ohio permits drivers to deposit surety bonds as a form of financial responsibility. To select this option, drivers must receive approval from the Ohio Department of Motor Vehicles before depositing the bond. The surety bond must be provided by an Ohio authorized surety company or insurance company.


The state of Ohio will require you to carry an SR22 after noncompliant actions, such as failing to show proof of compliance, driving uninsured, driving while intoxicated, as well as upon court order. The state will notify you of the requirement by mail. The notification will include the duration of the requirement, which is generally three to five years. If you fail to maintain the SR22 during any period throughout the required term, your license and registration can be suspended or revoked.


The cost for the actual filing of the SR22 is minimal, generally $10. However, the cost of the auto insurance policy can be considerable. The increased premiums result from the additional driving activity that accompanies the filing, such as accidents and violations for speeding, driving uninsured and under the influence. To reduce your potential costs, compare quotes with various insurance carriers to obtain the most competitive rate. Be sure to have your driving history available when completing the quote.

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