Cheapest car insurance for high-risk drivers in Ohio
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Ohio is Nationwide, followed by State Farm and Erie Insurance.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,291 | $108 |
| State Farm | $1,369 | $114 |
| Erie Insurance | $1,412 | $118 |
| American Family | $1,556 | $130 |
| Travelers | $1,619 | $135 |
| Geico | $1,627 | $136 |
| Progressive | $1,770 | $148 |
| Auto-Owners | $1,776 | $148 |
| Farmers | $2,134 | $178 |
| Allstate | $2,354 | $196 |
| USAA | $1,245 | $104 |
Average rates for high-risk drivers in Ohio by driving record
Average cost of car insurance in Ohio for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| Nationwide | $1,247 |
| State Farm | $1,266 |
| USAA | $1,361 |
| Erie Insurance | $1,377 |
| Auto-Owners | $1,474 |
| Travelers | $1,561 |
| American Family | $1,567 |
| Geico | $1,579 |
| Progressive | $2,061 |
| Farmers | $2,176 |
| Allstate | $2,811 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Ohio for a driver with a DUI is State Farm with an average annual of $1,166 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,166 | $97 |
| American Family | $1,419 | $118 |
| Progressive | $1,500 | $125 |
| Nationwide | $1,555 | $130 |
| Travelers | $1,633 | $136 |
| Erie Insurance | $1,642 | $137 |
| Geico | $1,882 | $157 |
| Auto-Owners | $2,037 | $170 |
| Farmers | $2,066 | $172 |
| Allstate | $2,425 | $202 |
| USAA | $1,339 | $112 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Ohio, the cheapest car insurance with multiple tickets is from Erie Insurance. It offers full coverage insurance at $1,112 per year or $93 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Erie Insurance | $1,112 | $93 |
| State Farm | $1,166 | $97 |
| Nationwide | $1,181 | $98 |
| Auto-Owners | $1,235 | $103 |
| American Family | $1,419 | $118 |
| Travelers | $1,561 | $130 |
| Geico | $1,599 | $133 |
| Progressive | $1,642 | $137 |
| Farmers | $1,998 | $167 |
| Allstate | $2,186 | $182 |
| USAA | $1,120 | $93 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Ohio, Erie Insurance offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,112 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Erie Insurance | $1,112 | $93 |
| State Farm | $1,166 | $97 |
| Nationwide | $1,555 | $130 |
| Travelers | $1,633 | $136 |
| American Family | $1,706 | $142 |
| Geico | $1,882 | $157 |
| Progressive | $1,903 | $159 |
| Auto-Owners | $2,037 | $170 |
| Farmers | $2,360 | $197 |
| Allstate | $2,425 | $202 |
| USAA | $1,205 | $100 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Ohio is Nationwide with an average annual cost of $1,092 or $91 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,092 | $91 |
| Geico | $1,200 | $100 |
| Travelers | $1,769 | $147 |
| American Family | $1,951 | $163 |
| Progressive | $2,292 | $191 |
| Erie Insurance | $2,380 | $198 |
| Farmers | $2,383 | $199 |
| State Farm | $2,384 | $199 |
| Allstate | $2,717 | $226 |
| Auto-Owners | $2,879 | $240 |
| USAA | $1,566 | $131 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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