StateInsuranceRequirements

Home · Compare · Ohio vs Texas

Ohio vs Texas

Bottom line

Both require an SR-22 for certain violations, though Ohio files for 1 years versus Texas's 2. Ohio generally has lower license-reinstatement costs.

Official government sources Last verified June 2026 36 fields reviewed Source links on every value

Important differences between Ohio and Texas

The differences drivers should know.

Bodily injury / person
Ohio$25,000
Texas$30,000
Texas requires higher bodily-injury coverage.
Bodily injury / accident
Ohio$50,000
Texas$60,000
Texas requires higher bodily-injury coverage.
Filing duration
OhioScenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court…
Texas2 years
Texas requires a longer SR-22 filing (2 vs 1 years).
Clock starts from
OhioFRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs…
TexasDate of most recent conviction (or judgment date for a crash judgment)
Non-owner SR-22
OhioYes (owner and non-owner FR filings/bonds available).
TexasYes
License reinstatement
OhioScenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101.…
Texas$100 (flat)
Ohio costs less to reinstate.
Registration reinstatement
OhioThe FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate…
TexasIncluded in the single $100 fee (Sec. 601.376(c))
Ohio costs less to reinstate.
No-insurance, first offense
OhioAdministrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st…
Texas$175-$350
No-insurance, repeat offense
OhioLicense lost 1 year (2nd) / 2 years (additional offenses); reinstatement $300 (2nd) / $600 (3rd+).…
Texas$350-$1,000
DUI suspension
OhioOVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd =…
TexasAdult: up to 2 years. Minor (<21): 1 year (18 months for subsequent); 90-day possible with interlock…
DUI fine range
OhioOVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4…
TexasTexas 'DWI' (Penal Code Ch. 49), by prior convictions. Ch. 49 sets the offense class and minimum jail;…
Driving while suspended
OhioDriving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle…
TexasDWLI: additional suspension period, then reinstatement needs an SR-22 (2 yrs) plus the $100 fee.…
CDL consequence
OhioAn OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test)…
TexasA DWI conviction disqualifies a CDL. A Texas occupational license is valid for non-commercial vehicles…
View full comparison ↓

Recent law changes

Changes verified from official state sources.

Ohio2025-04-09 — OVI statute §4511.19 amended (SB 100 / HB 37, GA 135).
Texas2019-09-01 — Driver Responsibility Program (surcharges) repealed (HB 2048).

Full comparison

Every compared field, with the official source on each value.

Coverage

Bodily injury / person
Bodily injury / accident
Property damage same
UM/UIM requirement same
Ohio
Optional — not part of the required minimum (insurers must offer; driver may reject in writing).
See Ohio sources ↗
Texas
Optional — not part of the required minimum (insurers must offer; driver may reject in writing).
See Texas sources ↗

SR-22 / FR-44

SR-22 required same
FR-44 required same
Filing duration
Ohio
Scenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court suspensions: proof of FR (SR-22) must be maintained…
Full details
Scenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court suspensions: proof of FR (SR-22) must be maintained through the reinstatement and runs with the court suspension term (OVI suspensions range 1 yr to 12 yrs depending on offense count, §4511.19).
Official source ↗
Clock starts from
Ohio
FRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs with the court-ordered suspension and continues…
Full details
FRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs with the court-ordered suspension and continues past reinstatement.
Official source ↗
Texas
Date of most recent conviction (or judgment date for a crash judgment)
Official source ↗
Non-owner SR-22
Ohio
Yes (owner and non-owner FR filings/bonds available).
See Ohio sources ↗

Costs

SR-22 filing fee same
Ohio
~$15-25 (charged by the insurer, not the BMV)
See Ohio sources ↗
Texas
~$15-25 (charged by the insurer, not DPS)
See Texas sources ↗
License reinstatement
Ohio
Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by…
Full details
Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by §4511.191(F)(2) (commonly ~$475, higher for repeat offenses).
Official source ↗
Texas
$100 (flat)
Official source ↗
Registration reinstatement
Ohio
The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry…
Full details
The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry their own reinstatement.
Official source ↗
Texas
Included in the single $100 fee (Sec. 601.376(c))
Official source ↗

Penalties

No-insurance, first offense
Ohio
Administrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st offense: license lost until requirements met; $40…
Full details
Administrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st offense: license lost until requirements met; $40 reinstatement. Driving during an FRA suspension (§4510.16) is an unclassified misdemeanor, fine up to $1,000.
Official source ↗
Texas
$175-$350
Official source ↗
No-insurance, repeat offense
Ohio
License lost 1 year (2nd) / 2 years (additional offenses); reinstatement $300 (2nd) / $600 (3rd+). SR-22 maintained 1 year.
Official source ↗
Texas
$350-$1,000
Official source ↗
DUI suspension
Ohio
OVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd = 2-12 years; 4th/5th+ (felony F4) = class two…
Full details
OVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd = 2-12 years; 4th/5th+ (felony F4) = class two suspension (3 years to life). Limited driving privileges and IID/unlimited-privileges options available per §4510.13 / §4510.022.
Official source ↗
Texas
Adult: up to 2 years. Minor (<21): 1 year (18 months for subsequent); 90-day possible with interlock community supervision.
Official source ↗
DUI fine range
Ohio
OVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4 felony) $1,540-$10,500. Mandatory minimum…
Full details
OVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4 felony) $1,540-$10,500. Mandatory minimum jail/intervention escalates with each offense.
Official source ↗
Texas
Texas 'DWI' (Penal Code Ch. 49), by prior convictions. Ch. 49 sets the offense class and minimum jail; dollar maxima come from the Penal Code Ch. 12…
Full details
Texas 'DWI' (Penal Code Ch. 49), by prior convictions. Ch. 49 sets the offense class and minimum jail; dollar maxima come from the Penal Code Ch. 12 class ranges. 1st DWI (49.04) = Class B misdemeanor, min 72 hours jail (6 days if open container), up to $2,000 — elevated to Class A (up to $4,000) if BAC 0.15+ (49.04(d)). 2nd DWI (49.09(a)) = Class A misdemeanor, min 30 days, up to $4,000. 3rd+ DWI (49.09(b)) = 3rd-degree felony, 2-10 years, up to $10,000. DWI with child passenger <15 (49.045) = state jail felony, up to $10,000. IID required for a 2nd+ within 5 years (49.09(h)); entitlement to use the substance is no defense (49.10).
Official source ↗
Driving while suspended
Ohio
Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under…
Full details
Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under FRA suspension (§4510.16): unclassified misdemeanor, fine up to $1,000. General driving-under-suspension (§4510.11): M1. Driving under a 12-point suspension (§4510.037): M1, minimum 3-day jail (non-suspendable).
Official source ↗
Texas
DWLI: additional suspension period, then reinstatement needs an SR-22 (2 yrs) plus the $100 fee. Operating during a registration suspension (Sec.…
Full details
DWLI: additional suspension period, then reinstatement needs an SR-22 (2 yrs) plus the $100 fee. Operating during a registration suspension (Sec. 601.371): $100-$500 fine and 72 hours-6 months jail; a repeat is a Class A misdemeanor. Operating without required FR (Sec. 601.195): up to $500 and/or up to 6 months jail.
Official source ↗

CDL

CDL consequence
Ohio
An OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test) disqualifies a CDL for 1 year (1st) or life (2nd)…
Full details
An OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test) disqualifies a CDL for 1 year (1st) or life (2nd) (§4506.16(D)). Disqualification is 3 years if hauling hazmat at the time. Per §4506.16(F), the offense counts even when committed in a personal (non-commercial) vehicle if it occurred after the person obtained the CDL or on/after 9/30/2005. A test refusal also = immediate 24-hour out-of-service (§4506.17). Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days.
Official source ↗
Texas
A DWI conviction disqualifies a CDL. A Texas occupational license is valid for non-commercial vehicles only.
Official source ↗