How a speeding ticket impacts your insurance in Ohio
The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .
Ohio drivers pay an average of $1,266 per year for a full coverage car insurance policy, but getting pulled over for speeding could change things. According to Bankrate’s study of 2023 quoted annual premiums, Ohio drivers with speeding tickets pay about 17 percent more for their full coverage policies, an average of $1,485 each year. Bankrate’s insurance editorial team put together this guide to help Ohio drivers navigate finding affordable coverage after a speeding ticket.
Compare auto insurance rates
Save on auto insurance with quotes from trusted providers like:
Drivers switch & save an average of $750+/year
Are you overpaying for auto insurance?
Safe drivers choose Allstate®
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Save on auto insurance with quotes from trusted providers like:
Drivers switch & save an average of $750+/year
Are you overpaying for auto insurance?
Safe drivers choose Allstate®
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is a speeding ticket in Ohio?
Ohio speeding ticket costs may fluctuate based on where the driver was pulled over. Traffic infractions in Ohio are handled differently in each county and can vary in terms of fees. For instance, a first-time speeding offense less than 15 miles over the speed limit might cost $175 in Warren County but only $151 in Sylvania.
Even though exact costs change according to the county, you can generally expect the penalties for speeding to be higher in school zones, construction zones and for drivers who received more than one ticket during a one-year period. Although exactly how much a speeding ticket in Ohio costs depends on the county, penalties typically follow these guidelines:
In Ohio, license points may also be added to your driving record for moving traffic violations. Also called demerit points, these are accumulated by a motorist after repeat traffic offenses. Too many points on your record may result in license suspension, depending on the situation.
How much does a speeding ticket increase your car insurance in Ohio?
In Ohio, car insurance rates increase by an average of 17 percent following a speeding ticket conviction. Even a first-time speeding ticket may cause your rates to increase as carriers likely see you as riskier to insure. Although the average rate increase is the same for 40-year-old men and women in Ohio, men generally pay slightly higher average premiums both before and after a driving infraction. This is because men are statistically more likely to engage in risky driving behavior, and the state allows for the use of gender as an insurance rating factor.
| Age | Avg. annual full coverage premium pre-speeding ticket | Avg. annual full coverage premium post-speeding ticket | Percentage increase |
|---|---|---|---|
| 40-year-old male | $1,274 | $1,496 | 17% |
| 40-year-old female | $1,258 | $1,476 | 17% |
| Total average | $1,266 | $1,485 | 17% |
How to lower your car insurance after a speeding ticket in Ohio
Most car insurance carriers charge higher rates for drivers with a speeding ticket on their record, especially a recent one. However, there may be ways you can still save on your premium.
Get quotes from other car insurance companies
Although annual premiums may be higher for drivers in Ohio with a speeding ticket, some providers may still be cheaper than others, depending on their pricing algorithm and your personal rating factors. If your current rates are unaffordable, comparing quotes from other providers may result in a savings opportunity, as indicated in the following table.
Average annual full coverage premium by car insurance company in Ohio
| Car insurance company | Avg. annual full coverage premium pre-speeding ticket | Avg. annual full coverage premium post-speeding ticket | Percentage increase |
|---|---|---|---|
| Hastings Mutual | $642 | $780 | 21% |
| Geico | $704 | $871 | 24% |
| State Farm | $951 | $1,103 | 16% |
| USAA | $996 | $1,218 | 22% |
| Auto-Owners | $1,051 | $1,051 | 0% |
*Premiums are average annual full coverage premiums for 40-year-olds
Keep in mind that price is not the only factor you might consider when choosing an insurance provider. Customer reviews, third-party ratings, coverage options and financial stability are some of the other things you might check when picking the best car insurance company in Ohio.
Look for discounts
Changing insurers may not be your only option when it comes to car insurance savings. In fact, if you do a little digging, you may find that your current insurer offers a selection of car insurance discounts you can take advantage of to help you save. Or, if you’re determined to change providers, looking at the discounts offered by a potential new provider may be a useful next step.
Some common discounts you may want to look for include:
- Young driver discounts: Young drivers typically pay more for car insurance as they have less experience behind the wheel, but they may be able to save with discounts for good grades, taking a defensive driving course or enrolling in a telematics program.
- Professional discounts: If you’re no longer in school and have entered the working world, your insurer may grant you a discount based on your chosen line of work. Health care and education are commonly included in this discount. Some carriers may even extend savings to members of certain professional organizations or alumni groups.
- Multi-policy discounts: Insurers may reward you for bundling your auto insurance with another policy from the same carrier, like home or renters.
Frequently asked questions
-
-
The best car insurance companies may be different for drivers with a clean record compared to those with speeding tickets. Comparing quotes from carriers that offer the coverage options, discounts and customer service you’re looking for is likely the best way to find a carrier that meets your needs and budget. If you have multiple speeding tickets on your record, you may need to purchase insurance from a carrier that specializes in high-risk coverage.
-
You do not have to disclose a speeding ticket to your insurer, but the company will usually find out about a speeding ticket either way. When your policy renewal period rolls around, your insurance provider will likely check your Motor Vehicle Record (MVR), see that you’ve got a speeding ticket and adjust your premium accordingly. If you’re shopping around, other carriers will also be able to see your driving record, so being honest during the quoting process may yield the most accurate quotes.
-
Bankrate’s research highlighted Auto-Owners, USAA and Geico as some of the cheapest car insurance companies. Average rate data from Quadrant Information Services shows that these three providers generally offer rates below the national average, but it’s important to remember that your exact rate will depend on personal factors such as your vehicle type, driving history and location.
-
-
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2021 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.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.
Age: Rates were calculated by evaluating our base profile (40 years) applied. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
SR-22 in Ohio
Car Insurance
Related Articles
