Ohio DUI

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Your driving history is one of the biggest factors considered when determining the cost of your auto insurance premium. Having a driving under the influence/while intoxicated (DUI/DWI) on your record can make it more difficult to find affordable auto insurance.

Ohio drivers who have a DUI on their record can expect to pay much more for their car insurance needs than drivers who do not.

How does a DUI affect your insurance rate?

How much a DUI impacts your insurance rate largely depends on the state in which the DUI conviction was received. Compared to the national average, Ohio’s penalties for drivers having a DUI on their record are much more severe. After just one DUI, Ohio drivers can expect their insurance premiums to go up by an average of 111%.

National vs state average rates with DUI

Pre-DUI Post DUI Percent increase
National $1,674 $3,336 99%
Ohio $1,034 $2,188 111%

How much does it cost for insurance after a DUI in Ohio?

The cost for insurance following a DUI in Ohio depends on the insurance carrier you select. Some insurance providers will not insure high-risk drivers with a DUI conviction while others will. Not only does each carrier offer a different rate for minimum coverage with a DUI, but they also each feature their own set of available discounts which eligible drivers can use to lower the cost of their premium. The following table illustrates what different auto insurance carriers charge before and after a DUI conviction in Ohio:

Ohio provider rates before and after DUI for minimum coverage

Provider Average minimum coverage rate Minimum coverage rate with DUI
Allstate $357 $1,009
American Family $388 $408
Auto-Owners $325 $725
Celina $329 $700
Central $446 $1,103
Donegal $474 $2,445
Erie $259 $420
Farmers $357 $529
Frankenmuth $302 $488
Geico $306 $462
Hastings Mutual $292 $1,288
MetLife $539 $1,308
Motorists $295 $894
Progressive $357 $391
State Farm $288 $457
USAA $247 $385
Westfield $337 $754

Ohio provider rates before and after DUI for minimum coverage

Provider Average full coverage rate before DUI Full coverage rate with DUI
Allstate $523 $2,824
American Family $343 $949
Auto-Owners $312 $2,006
Celina $272 $2,579
Central $508 $3,629
Donegal $382 $9,105
Erie $543 $1,448
Farmers $423 $1,350
Frankenmuth $431 $2,111
Geico $571 $1,334
Hastings Mutual $666 $2,584
MetLife $325 $3,202
Motorists $304 $3,411
Progressive $1,163
State Farm $1,363
USAA $1,217
Westfield $2,309

Other Ohio DUI consequences

In Ohio, a DUI conviction is referred to as “operating a vehicle under the influence” (OVI) and is given to drivers with a blood alcohol content (BAC) of 0.08% or higher. Along with higher insurance premiums, drivers with a DUI conviction will face additional consequences. In fact, Ohio’s DUI penalties are among the most severe in the United States. The following outlines what drivers can expect after receiving a DUI in Ohio:

Offense frequency Penalty
First-time offense Three days to six months in jail
$375 – $1,075 fine
License suspension of one to three years
Second-time offense 10 days to six months in jail
$525 – $1,625 fine
License suspension of one to seven years
Third-time offense 30 days to one year in jail
$850 – $2,750 fine
License suspension of two to 12 years

In addition to these penalties, some drivers may be issued new, yellow license plates which indicated restricted driving privileges. Moreover, drivers may be required to have an interlock device installed in their vehicle. If a driver is found to have a BAC of 0.17% or higher, they will be charged with an aggravated OVI and will face much harsher consequences.

Frequently asked questions

How long does a DUI stay on your record in Ohio?

According to Ohio law, you cannot expunge an OVI conviction, and such convictions will essentially remain on your record indefinitely. However, the Driver Abstracts that insurance companies use to determine risk only go back three years, so you should be able to secure lower rates once this time period has passed.

What is the best insurance company for Ohio drivers with a DUI?

The best insurance company really depends on your specific needs. There are plenty of insurance carriers in Ohio willing to insure high-risk drivers with a DUI conviction on their record. Shop around to find the carrier that has the coverage options, available discounts, and financial strength necessary to meet your needs.

Is your license suspended immediately after a DUI in Ohio?

Yes — as soon as an officer arrests you on suspicion of drunk driving, you’ll face an automatic, immediate administrative license suspension. If you are convicted in trial court, your mandatory sentencing will likely include an additional license suspension.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 DUI, 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

*DUI qualifies as > .08 BAC

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Carly Severino
Insurance Contributor
Carly Severino has two years of experience in writing for insurance domains such as Bankrate.com, Coverage.com, Reviews.com and TheSimpleDollar.com. She has experience covering a broad range of insurance products, including homeowners, life, auto, and medical insurance. Her expertise has also been called upon in the development of various websites for insurance companies, including Birtwhistle & Livingston, Inc., GovTech Insurance and Tax Title Services.