Car Insurance for High-Risk Drivers in Ohio

In Ohio, the typical cost of car insurance is approximately $1,472 annually for full coverage and about $404 for state-mandated minimum coverage for individuals with a clean driving record. However, if you have infractions on your driving record, such as speeding tickets, accidents, or DUI/OVI convictions, insurers may increase your premiums. These incidents indicate a higher risk of future claims, prompting insurers to adjust rates accordingly.

Rates for high-risk car insurance in Ohio

Our team of insurance experts analyzed premium data from Quadrant Information Services across Ohio to determine average car insurance costs for high-risk drivers. Based on this analysis, we estimated insurance rates for various scenarios:

• A single speeding ticket
• A single at-fault accident
• A single DUI/OVI conviction
• Insuring a teen driver

It’s important to note that insurance premiums are personalized and influenced by factors beyond driving records, including age, location, vehicle type, credit history, and gender. To find the most affordable car insurance for your specific needs, comparing quotes from multiple carriers in Ohio is recommended.

Rates after a speeding ticket

If you receive a speeding ticket in Ohio, you can expect an average 19 percent increase in the cost of full coverage auto insurance. However, the exact rate hike will vary based on factors such as the severity of the ticket, your overall driving history, age, and where you live.

Ohio employs a point system for traffic violations, with each offense resulting in a specific number of points on your license. For instance, a typical speeding ticket usually adds 2-4 points. Accumulating 12 points within a two-year span can lead to license suspension and other penalties. This information is detailed in your driving record abstract, which includes a three-year history of all moving violations and related actions like suspensions.

The increase in your insurance rates after a speeding ticket will also depend on your insurance provider. Below are average increases in full coverage rates following a single speeding ticket from some of Ohio’s largest car insurance companies.

Rates after an accident

Ohio employs a contributory fault system to determine liability in accidents, meaning each driver can be assigned a percentage of fault.

Having a recent at-fault accident on your Ohio driving record typically results in increased insurance premiums. Based on our analysis of average company rates, premiums may rise by at least 20 percent. Some insurers may impose surcharges of 80 percent or more.

First-accident forgiveness, if offered by your insurer, can shield you from a premium increase for the first accident in your recent driving history. However, multiple at-fault accidents within the past three to five years (depending on your insurer’s policy) often lead to substantially higher premium hikes.

It’s important to note that some insurers may raise your premium even if you’re not at fault, so it’s wise to confirm with your insurer before filing a claim.

Additionally, receiving a traffic violation ticket related to the accident may result in points on your driver’s license. There are significant financial ramifications to being at fault in an Ohio accident; the other party can sue you for any damages beyond what your liability insurance covers. If you lacked full coverage insurance at the time, you may need to pay out-of-pocket for damages to your vehicle.

Rates after a DUI (OVI in Ohio)

Driving under the influence of alcohol or drugs poses significant risks to yourself and others, a behavior taken very seriously by both law enforcement in Ohio and insurance companies. According to the National Highway Traffic Safety Administration, approximately 32 percent of all fatal crashes involve impaired drivers.

Due to the high risk and severity associated with impaired driving, the impact on your insurance premiums can be substantial. On average, Ohio insurance premiums increase by 88 percent for drivers with an OVI (Operating a Vehicle Impaired) on their record, although the specific increase varies among insurance providers. Based on data from Ohio carriers, increases can range from around 15 percent to over 100 percent. Some insurers may even decline coverage altogether.

For a first offense, legal consequences typically include a fine of up to $1,075, a minimum of 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. Subsequent offenses carry higher fines, longer jail sentences, and more severe penalties.

Rates after adding a teen driver

Teenage drivers, due to their limited driving experience and ongoing brain development, often lack crucial decision-making skills necessary for safe driving.

Because of their increased risk profile, teenage drivers typically face some of the highest average car insurance rates. Below, you can find the average cost of adding a teen driver to their parents’ policy with some of the largest insurance carriers in Ohio.

Who is a high-risk driver?

We classify a high-risk driver as someone who has accrued at least one speeding ticket, been involved in an at-fault accident, or received a DUI/OVI conviction. Insurance companies may have broader definitions of high-risk drivers. You may require high-risk auto insurance in Ohio if you:

• Have poor credit
• Have one or more at-fault accidents in the last 3–5 years
• Have speeding tickets or other citations
• Have an OVI conviction
• Need an SR-22 filing
• Have experienced a lapse in coverage
• Own a sports car or luxury vehicle
• Have a teen driver included on your policy
• Live in an area prone to vandalism or theft

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

• Compare quotes from different insurance providers: Rates can vary significantly between insurers, so shopping around can help you find a more affordable option.
• Consider taking a defensive driving course: Many insurers offer discounts for completing these courses, which can improve your driving skills and reduce the risk of accidents.
• Explore safe driving and low mileage programs: Some insurers use telematics or app-based programs to reward safe driving behaviors or low mileage. Participating in these programs could lower your insurance costs.
• Inquire about other discounts: Insurers often offer discounts for homeowners, good students, and policy bundling. Ask about all available discounts when getting quotes.
• Raise your deductible: Increasing your deductible can lower your monthly premiums, but be prepared to pay more out of pocket if you file a claim. Ensure you can afford the higher deductible before making this decision.
• Adjust your coverage limits: While state-mandated liability limits are required, consider whether optional coverage types are necessary based on your vehicle’s age and condition. Opting for lower coverage limits can reduce costs, but it’s essential to balance savings with adequate protection. Consulting with your insurance agent can help you make informed decisions about your coverage levels.