Cheapest car insurance for high-risk drivers in Ohio

Cheapest car insurance in Ohio for a bad driving record

If you have a poor driving record in Ohio, Erie Insurance, Travelers, Auto-Owners are the cheapest options. Erie Insurance has the lowest annual rate at $1,561 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Erie Insurance	$1,132	$1,561
Travelers	$1,336	$2,090
Auto-Owners	$1,109	$2,104
Progressive	$1,626	$2,460
Allstate	$1,942	$2,624
GEICO	$1,373	$2,868
Farmers	$1,794	$3,351
USAA	$994	$1,414

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How much is high-risk car insurance in Ohio?

In Ohio, the average cost of high-risk car insurance is $2,368 per year. However, you may secure coverage from Erie Insurance for as low as $1,561 annually. Even with a problematic driving record or poor credit score, affordable policies are available.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

Average annual car insurance rate for At-fault bodily injury accident in Ohio, OH is $2,416

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Company	Annual premium for clean record	Annual premium after violation
Erie Insurance	$1,132	$1,395
USAA	$994	$1,520
Auto-Owners	$1,109	$1,608
Travelers	$1,336	$2,045
GEICO	$1,373	$2,796
Progressive	$1,626	$2,844
Allstate	$1,942	$3,074
Farmers	$1,794	$3,525

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Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Ohio?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Ohio with a DUI

While many insurers offer coverage after a DUI, Erie Insurance provides the average cheapest coverage for $1,814 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in Ohio.

Company	Average annual premium for clean record	Annual premium for a DUI
Erie Insurance	$1,132	$1,814
Progressive	$1,626	$2,032
Travelers	$1,336	$2,128
Auto-Owners	$1,109	$2,222
Allstate	$1,942	$2,661
GEICO	$1,373	$3,326
Farmers	$1,794	$3,643
USAA	$994	$1,498

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Cheapest car insurance in Ohio with multiple tickets

The cheapest insurer for drivers with multiple tickets is Erie Insurance, with rates averaging $1,231 annually or $103 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Ohio drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Erie Insurance	$1,132	$1,231
Auto-Owners	$1,109	$1,465
Travelers	$1,336	$2,037
Progressive	$1,626	$2,392
Allstate	$1,942	$2,407
GEICO	$1,373	$2,817
Farmers	$1,794	$2,910
USAA	$994	$1,254

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Cheapest car insurance in Ohio with a reckless driving conviction

Erie Insurance offers the most affordable rates for drivers with reckless driving convictions, averaging $1,231 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
Erie Insurance	$1,132	$1,231
Travelers	$1,336	$2,128
Auto-Owners	$1,109	$2,222
Allstate	$1,942	$2,661
Progressive	$1,626	$2,849
GEICO	$1,373	$3,326
Farmers	$1,794	$3,808
USAA	$994	$1,353

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Cheapest car insurance in Ohio with bad credit

The cheapest Ohio insurer for bad credit is GEICO, with rates averaging $2,105 per year or $175 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Ohio car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
GEICO	$1,373	$2,105
Travelers	$1,336	$2,175
Erie Insurance	$1,132	$2,624
Progressive	$1,626	$2,702
Auto-Owners	$1,109	$3,144
Allstate	$1,942	$3,199
Farmers	$1,794	$3,927
USAA	$994	$1,870

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Cheapest car insurance after an accident in Ohio

Erie Insurance has the lowest rates after an accident at $1,395 a year. Auto-Owners also has affordable rates at $1,608 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single at fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Erie Insurance	$1,132	$1,395	$1,745
Auto-Owners	$1,109	$1,608	$1,972
Travelers	$1,336	$1,989	$2,604
GEICO	$1,373	$2,796	$4,415
Progressive	$1,626	$2,844	$3,985
Allstate	$1,942	$3,074	$3,930
Farmers	$1,794	$3,410	$5,809
USAA	$994	$1,520	$2,713

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Cheapest car insurance in Ohio by city

Tiffin has the cheapest car insurance rates in Ohio at $2,012 per year. But the most expensive city is Cleveland with rates of $2,728 per year.

Your location in Ohio also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
Tiffin	$1,216	$2,012
Upper Sandusky	$1,251	$2,061
Elyria	$1,284	$2,154
Defiance	$1,315	$2,165
Marion	$1,328	$2,183
Mason	$1,372	$2,288
Warren	$1,410	$2,356
Dayton	$1,476	$2,468
Columbus	$1,597	$2,676
Cincinnati	$1,608	$2,691
Cleveland	$1,643	$2,728

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How to reduce car insurance rates in Ohio for a bad driving record

Finding affordable car insurance in Ohio is possible, even with a bad driving record. Ways to lower car insurance rates include:

Where you live in Ohio also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Ohio?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Ohio car insurance laws for high-risk drivers

If you're a high-risk driver in Ohio, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on: