It is important to note that a conviction for driving a vehicle under the influence of alcohol or drugs (OVI) in Ohio can adversely affect an individual’s social, career, and financial prospects and well-being. A person convicted of a felony of driving under the influence of alcohol can lose their right to vote, receive government assistance, or in some cases even run for office.
There is no doubt that felonies are much more serious criminal charges, but even a misdemeanor OVI conviction appears on a person’s criminal record and can potentially have serious repercussions on their ability to work, employment and educational opportunities.
The first thing that a person thinks of when considering the consequences of being charged with OVI is the penalty that could be imposed by the court. This is understandable as the sentence includes mandatory jail time, driver’s license suspension, fine, yellow plates, ignition lock and probation. In addition, OVI convictions have secondary consequences in addition to the penalty imposed by the court. The skyrocketing cost of car insurance is one of those consequences.
One of the most powerful forms of secondary security is the requirement for special and expensive auto insurance policies. These insurance policies are often more than three times the price of normal car insurance. Often, those convicted of OVI in Ohio struggle to make ends meet financially or are forced to sell their vehicles and other belongings to afford the increased auto insurance policies they must purchase. Having an experienced Columbus OVI attorney who is able to reduce or waive initial OVI fees is the best way to avoid outrageously high insurance premiums.
What type of insurance is required after an OVI conviction?
Once a person has been convicted of an OVI in Ohio, they must perform several tasks. One of them changes his car insurance to show he was convicted of an OVI. Each individual must file a Safety Responsibility Bond (SR-22) form with the Ohio Bureau of Motor Vehicles (BMV). Based on this document, the person ensures that they have adequate auto insurance coverage and that this coverage meets all state requirements. This document is prepared by the insurance company and filed with the State Motor Vehicle Department. To meet the court’s requirements, drivers must submit this form for at least three years. In the event of non-submission, the policy will be canceled and the driver’s license suspended or revoked.
How much does SR-22 insurance cost in Ohio?
In terms of driving history, a POI conviction is one of the most costly. According to studies, OVI/DUI is one of the most dangerous driving behaviors and is associated with the highest accident frequency. Additionally, insurance companies tend to conclude that the person who engages in this risky behavior is likely to repeat it in the future.
When an auto insurance policy is renewed annually, insurance companies typically learn of OVI convictions. As part of this process, each individual named on the policy’s driving record is checked. The Ohio Bureau of Motor Vehicles provides driving records for the last three years. If an insurance company notes an OVI conviction in the driver’s log, the conviction will be taken into account when calculating the insurance premiums.
An Ohio driver with a POI will typically pay a higher premium for their car insurance than a driver without a POI. The average car insurance premium increases by 94.13% in the first year after an OVI offense and by 63.47% in the second and third years after the offense. Unfortunately, this is significantly higher than the normal average for Ohio car insurance premiums. However, it is important to note that the amount by which the insurance rate increases is determined by the type of insurance company the driver chooses, as insurance companies use different algorithms when calculating premiums.
Do I need an SR-22 policy if I don’t have a car?
Drivers convicted of an OVI must keep an SR-22 in Ohio for the full three years, even if they don’t own a car or move out of state. If they fail to do so, their license will be suspended or revoked until the policy is reinstated. To continue driving, a driver must renew their insurance coverage and pay a reinstatement fee to the Ohio Bureau of Motor Vehicles. Leaving policies unpaid or canceling an SR-22 policy before three years is counter-intuitive given that the driver had already paid for the reinstatement of his driver’s license once when he was originally convicted. For those whose driver’s license has been suspended for serious driving violations, they may need to file an SR-22 form and obtain insurance to regain their driver’s license. Therefore, leaving the SR-22 policy unpaid or canceling it is an extreme waste of money.
A non-owner SR-22 car insurance would be the most cost-effective option in this situation. Taking out such a policy for a vehicle is cheaper than taking out conventional insurance. Non-owner insurance is ideal for those who need proof of insurance even if they don’t drive regularly, as well as those who frequently rent or borrow cars from friends or family.
SR-22 filers in Ohio pay an average of $502 per year for no-owner auto insurance, although rates vary by company. In Ohio, USAA offers the cheapest SR-22 non-owner insurance, averaging $181 per year, but it’s only available to veterans, current military members, and their families. With an average annual premium of $216, State Farm is the next cheapest option.