Auto insurance for high-risk drivers in Ohio

1
Goads Agency/Getty Images

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

Even while the pandemic drove a decrease in the number of drivers on the road in Ohio, more high-risk drivers took the opportunity to speed — Ohio officers issued 2,200 speeding tickets for drivers going faster than 100 mph between April and September of 2020, a 61% increase from the previous year. And throughout the year, 5,291 drivers were stopped for operating a vehicle while impaired in the state, according to the Ohio State Highway Patrol.

Many drivers make mistakes that result in infractions on their driving records, and car insurance companies commonly view these drivers as a greater risk to insure. The result is higher premiums for high-risk drivers in Ohio, which we define as any driver with at least one at-fault accident, speeding ticket, DUI/OVI conviction or teen driver on the policy.

Rates for high-risk car insurance in Ohio

To determine the average cost of car insurance for high-risk drivers in Ohio, we used nationwide premium data from multiple carriers and estimated rates for each of the following circumstances:

Keep in mind that age and driving record are not the only factors companies will consider when determining your premium. Your geographic location, vehicle type, credit score and other factors that might qualify you for discounts are also taken into account. The best way to find the cheapest car insurance in Ohio for you is to compare customized quotes from a handful of the providers who may have the lowest rates for high-risk drivers.

Rates after a speeding ticket

A single speeding ticket will result in a premium increase of at least 19% on full coverage car insurance, based on the quoted annual premiums from the carriers below. Subsequent infractions typically cause an even higher increase in premiums for Ohio drivers.

Furthermore, Ohio has a points system for traffic offenses, and if you rack up enough points, you could have your license suspended. It is possible to get a speeding ticket without any points being assessed against you, but in most cases, drivers get 2-4 points on their record when charged with speeding. If you get 12 points within a two-year period, you could lose your license.

Car insurance company Ohio average annual premium for full coverage before a speeding ticket Ohio average annual premium for full coverage after a speeding ticket % increase
Allstate $1,292 $2,227 72%
Progressive $998 $1,946 95%
USAA $820 $1,423 74%
Erie $974 $1,320 35%
Auto-Owners $1,035 $1,509 46%
Motorists $1,137 $2,316 104%
Celina $1,260 $1,529 21%
Farmers $913 $2,650 190%
Frankenmuth $1,177 $1,847 57%
Geico $843 $1,681 99%
Westfield $1,234 $1,734 41%
State Farm $906 $1,719 90%
Hastings Mutual $758 $1,122 48%
Donegal $944 $1,887 100%
Central $1,162 $1,379 19%
American Family $865 $2,068 139%

Rates after an accident

If you cause an accident in Ohio, you can expect a premium increase of at least 16%, unless you have accident forgiveness in your current policy. More than one accident in the past 3-5 years (depending on your insurer’s lookback period) will likely result in an even higher premium hike. Rates may also increase even if you were not at fault, so check with your provider to learn how you might be affected in that event.

If you received a ticket for a traffic violation that caused the accident, you may receive points on your driver’s license. There are also serious financial consequences to an at-fault accident in Ohio, since the other driver can sue you for any amount your liability insurance does not cover, and if you did not have full coverage insurance at the time of the accident, you may be obligated to cover additional expenses related to damage to your own vehicle or medical expenses.

Car insurance company Ohio average annual premium for full coverage before an accident Ohio average annual premium for full coverage after an accident % increase
Allstate $1,292 $2,570 99%
Progressive $998 $2,418 142%
USAA $820 $1,681 105%
Erie $974 $1,453 49%
Auto-Owners $1,035 $1,659 60%
Motorists $1,137 $2,643 132%
Celina $1,260 $2,049 63%
Farmers $913 $3,121 242%
Frankenmuth $1,177 $1,856 58%
Geico $843 $2,032 141%
Westfield $1,234 $2,103 70%
State Farm $906 $1,834 103%
Hastings Mutual $758 $1,105 46%
Donegal $944 $2,435 158%
Central $1,162 $1,349 16%
American Family $865 $2,052 137%

Rates after a DUI (OVI in Ohio)

Driving while impaired by alcohol or drugs is an extremely dangerous behavior that puts the lives of others at risk, and both law enforcement in Ohio and insurance companies take this type of violation very seriously. About one-third of all fatal crashes involve drunk drivers, according to the National Highway Traffic Safety Administration. Insurance companies may double your rates; Ohio carrier data from 2021 shows an increase of at least 107% for drivers with a DUI or OVI conviction on record.

Your first offense will include several legal consequences, including a fine of up to $1,075, at least three days in jail or attendance at a “Driver’s Intervention Program,” up to five years of probation, and a license suspension of up to three years. You can expect higher fines and more jail time for subsequent offenses.

Car insurance company Ohio average annual premium for full coverage before a DUI Ohio average annual premium for full coverage after a DUI % increase
Allstate $1,292 $4,287 232%
Progressive $998 $2,067 107%
USAA $820 $2,126 159%
Erie $974 $2,152 121%
Auto-Owners $1,035 $2,684 159%
Motorists $1,137 $5,758 406%
Celina $1,260 $2,962 135%
Farmers $913 $3,210 252%
Frankenmuth $1,177 $5,102 333%
Geico $843 $3,227 283%
Westfield $1,234 $3,398 175%
State Farm $906 $2,481 174%
Hastings Mutual $758 $4,824 536%
Donegal $944 $7,216 665%
Central $1,162 $3,717 220%
American Family $865 $2,368 174%

Rates for teen drivers

Drivers aged 16 through 19 are more than three times as likely as older drivers to be involved in a fatal crash, according to the Center for Disease Control, so adding a 16-year-old driver to your family car insurance policy in Ohio may have a significant impact on the premium. However, some insurance companies offer lower rates to drivers in their teens than others, so it is important to shop around once your child reaches driving age.

Car insurance company Average annual premium for full coverage
Allstate $1,331
American Family $1,945
Auto-Owners $2,246
Celina $3,004
Central $3,381
Donegal $1,519
Erie $1,066
Farmers $948
Frankenmuth $1,907
Geico $1,055
Grange $2,489
Hastings Mutual $950
MetLife $1,742
Motorists $2,464
Nationwide $712
Progressive $765
QBE $2,570
State Farm $1,596
USAA $1,521
Westfield $2,335

*16 year old on their parent’s policy

Who is a high-risk driver?

Bankrate defines a high-risk driver as someone with at least one speeding ticket, at-fault accident, or DUI/OVI conviction on their record, or drivers with a teen driver on their policy. Insurance companies define high-risk drivers more broadly. You might be flagged as high risk if you have:

  • Bad credit
  • One or more at-fault accidents in the last 3-5 years
  • Speeding tickets or other citations
  • A DUI/DWI/OVI conviction
  • An SR-22 or FR-22 requirement
  • A lapse in coverage
  • A sports car or luxury vehicle
  • A teen driver on your policy
  • A home address in an area with a lot of vandalism or theft

How to lower your rate if you’re a high-risk driver

  • Shop around for car insurance: Every insurance provider is going to weigh your individual information differently. You might find that your rate is much with one insurer and more affordable with another. Use an online comparison tool or get quotes from different car insurance companies in Ohio to see if switching providers could save you money.
  • Take a defensive driving course: Most insurance companies will give you a discount on your annual premium if you take an approved driving course.
  • Take advantage of safe driving and low mileage programs: Some insurance companies use telematics or app-based programs to reward drivers who exhibit safe driving behaviors or drive less frequently. You may be able to get a discount or cash back just for participating. Just make sure you understand the terms before signing up; with some insurers, your rate might actually increase if you do not drive safely.
  • Ask about your eligibility for other discounts: Many insurers have discounts for homeowners, good students and drivers who bundle multiple policies. If you are hunting for a new policy as a high-risk driver, ask for which discounts you might be eligible for when you request a quote.
  • Raise your deductible: Your deductible is a way of sharing some of the financial responsibility with your insurance company. A higher deductible means lower premiums, and vice versa. Depending on the specific deductible you increase, your premium savings may be greater. Discuss recommended deductible amounts with an agent as a minimum amount may also apply under some circumstances.
  • Lower your coverage limits: While state minimum liability limits are mandatory in Ohio, some coverages may not be as critical, depending on the age or condition of your vehicle. Although having only minimum liability coverage might cost less, getting into an accident without sufficient insurance coverage can be financially devastating. It is important to weigh the costs and benefits of your preferred coverage levels but seeking advice from your agent can help.

Frequently Asked Questions

What are the minimum car insurance requirements in Ohio?

In Ohio, car insurance is mandatory for anyone operating a vehicle. You must carry an active insurance policy with the following minimum coverage levels:

  • $25,000 per person in bodily injury liability coverage
  • $50,000 per accident in bodily injury liability coverage
  • $25,000 per accident in property damage liability coverage

Will my credit score affect my premium in Ohio?

Yes. In most states, including Ohio, insurance companies use your credit-based insurance score, which is based on the information in your credit report, to determine your premium. That is because research has shown a correlation between low scores and more frequent or more expensive claims. However, bad credit will impact your premium to varying degrees with different insurers. You should focus on improving factors influencing your credit-based insurance score, such as your payment history, and compare quotes for car insurance to find the best rates for your credit situation.

Do car insurance premiums decrease with age?

For the most part, insurance premiums decline consistently as you age, though there can be a slight increase in rates for drivers in their 70s and 80s. For example, 18-year-old drivers paid an average of $5,385 annually for car insurance in 2021, while 60-year-olds paid an average of just $1,405. Decreases each year were largest for drivers in their teens and 20s.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.

High-risk drivers
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Age: Rates were determined by adding a 16- or 17-year-old teen to a 40-year-old married couple’s policy. The rates displayed reflect the added cost to the parents’ policy.

Written by
Lindsay Frankel
Insurance Contributor
Lindsay Frankel has three years of experience writing for insurance domains such as Bankrate, Insurify, FinanceBuzz, NextAdvisor, Coverage.com, The Balance and The Simple Dollar. She has covered common insurance product lines such as auto, home, life, renters and small business insurance.