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Risky behaviors behind the wheel, like speeding, driving under the influence and causing at-fault accidents, can affect drivers insurance costs. The good news for Ohio residents is that recent data from the Ohio State Highway Patrol shows that from January 1 to May 1, 2022, drivers in this state showed fewer risky behaviors on the road compared to the year prior. In 2021, the Ohio State Highway Patrol had conducted 145,177 enforcement stops by May 1, while this year’s tally for enforcement stops is just 110,074. There have also been fewer DUI/OVI enforcement stops this year, with 4,842 stops in 2022 compared to 6,643 in 2021.

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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. High-risk drivers in Ohio, which includes any driver with at least one at-fault accident, speeding ticket, DUI/OVI conviction or teen driver on the policy, typically pay higher insurance costs compared to drivers with clean driving records. These higher premiums help insurance companies compensate for the higher likelihood of claims being made to drivers’ policies. If you’re considered a high-risk driver in Ohio, here’s how your insurance rates could be affected.

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 may also be 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 could result in an average premium increase of as high as 30% on full coverage car insurance, based on the quoted annual premiums from the carriers below. However, not all carriers will increase the cost of high-risk insurance after a speeding ticket. For example, both Auto-Owners and Westfield show an average increase of 0% for Ohio drivers after a speeding ticket conviction. 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 $2,102 $2,484 18%
Progressive $1,175 $1,492 27%
USAA $846 $1,064 26%
Erie $1,084 $1,120 3%
Auto-Owners $1,006 $1,006 0%
Motorists $1,178 $1,341 14%
Celina $1,198 $1,356 13%
Farmers $1,067 $1,383 30%
Frankenmuth $1,176 $1,448 23%
Geico $671 $830 24%
Westfield $1,404 $1,404 0%
State Farm $848 $984 16%
Hastings Mutual $659 $798 21%
American Family $1,579 $1,772 12%

Rates after an accident

If you cause an accident in Ohio, you can expect a premium increase of an average of at least 2%, though it could go up by an average 60% or more, depending on the company and whether 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 $2,102 $2,792 33%
Progressive $1,175 $1,881 60%
USAA $846 $1,289 52%
Erie $1,084 $1,205 11%
Auto-Owners $1,006 $1,435 43%
Motorists $1,178 $1,516 29%
Celina $1,198 $1,856 55%
Farmers $1,067 $1,540 44%
Frankenmuth $1,176 $1,346 14%
Geico $671 $964 44%
Westfield $1,404 $1,534 9%
State Farm $848 $1,087 28%
Hastings Mutual $659 $673 2%
American Family $1,579 $1,681 6%

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 for high-risk auto insurance; Ohio carrier data from 2022 shows an average increase of at least 15% for drivers with a DUI or OVI conviction on record. However, many rates show an average increase of at least 50%, as shown in the company rates below.

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 $2,102 $3,042 45%
Progressive $1,175 $1,346 15%
USAA $846 $1,300 54%
Erie $1,084 $1,631 50%
Auto-Owners $1,006 $1,964 95%
Motorists $1,178 $3,446 193%
Celina $1,198 $3,459 189%
Farmers $1,067 $1,479 39%
Frankenmuth $1,176 $2,135 82%
Geico $671 $1,151 72%
Westfield $1,404 $3,339 138%
State Farm $848 $1,252 48%
Hastings Mutual $659 $2,383 262%
American Family $1,579 $1,821 15%

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 teen* with full coverage
Allstate $3,150
American Family $3,031
Auto-Owners $2,808
Celina $3,480
Erie $2,097
Farmers $2,196
Frankenmuth $2,814
Geico $1,400
Grange $3,252
Hastings Mutual $1,386
MetLife $2,769
Motorists $3,325
Nationwide $1,549
Progressive $1,731
State Farm $1,935
USAA $2,191
Westfield $3,007

*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:

  • Poor 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 expensive 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. Check with your carrier to see if it offers this discount and find out which courses are approved.
  • 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 lower insurance costs 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. If you raise your deductible, you are responsible for a greater out-of-pocket cost if you file a claim, so make sure you can afford the higher amount before you increase the deductible. 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

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 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 2020 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.