- Cheapest car insurance in Ohio for a bad driving record
- How much is high-risk car insurance in Ohio?
- Cheapest car insurance in Ohio with a DUI
- Cheapest car insurance in Ohio with multiple tickets
- Cheapest car insurance in Ohio with a reckless driving conviction
- Cheapest car insurance in Ohio with bad credit
- Cheapest car insurance after an accident in Ohio
- Cheapest car insurance in Ohio by city
- How to reduce car insurance rates in Ohio for a bad driving record
- Ohio car insurance laws for high-risk drivers
Cheapest car insurance in Ohio for a bad driving record
If you have a bad driving record in Ohio, Erie Insurance, Travelers, Auto-Owners offer affordable car insurance. However, Erie Insurance has the lowest average rate of $1,561.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you’ll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| 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 |
How much is high-risk car insurance in Ohio?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Ohio, high-risk car insurance costs $2,368. However, you can get rates as low as $1,561 from Erie Insurance.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
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.
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 |
Cheapest car insurance in Ohio with multiple tickets
The cheapest insurer for drivers with multiple traffic tickets is Erie Insurance, with rates averaging $1,231 or $103.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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 |
Cheapest car insurance in Ohio with a reckless driving conviction
Erie Insurance offers the cheapest rates for drivers with reckless driving convictions at $1,231.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and 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 |
Cheapest car insurance in Ohio with bad credit
The cheapest Ohio insurer for bad credit is Geico, with rates averaging $2,105 or $175. 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 |
Cheapest car insurance after an accident in Ohio
Erie Insurance has the lowest rates after an accident at $1,395. Auto-Owners also has affordable rates at $1,608.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one 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 |
Cheapest car insurance in Ohio by city
Tiffin has the cheapest car insurance rates in Ohio, averaging $2,012. However, the most expensive city is Cleveland, with average insurance rates of $2,728.
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.
| 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 |
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:
- 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.
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.
Helpful auto insurance tools and calculators
You might also be interested in- Traffic ticket calculator in Ohio
- SR-22 insurance in Ohio
- Non-owner car insurance in Ohio: Best and cheapest companies
- Ohio gap insurance: Everything you need to know
- Low-income car insurance in Ohio: What you need to know
- Ohio car insurance guide
- Cheapest home and auto insurance bundle in Ohio
- Best condo insurance in Ohio for 2024
- Best cheap car insurance in Ohio for 2024
- Best and cheapest renters insurance in Ohio
