Cheapest car insurance for high-risk drivers in Ohio

Cheapest car insurance in Ohio for a bad driving record

Drivers with a poor record in Ohio will find the lowest rates from Erie Insurance, Travelers and Auto-Owners. Among these, Erie Insurance provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,561 annually.

If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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?

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 per year. However, you can get rates as low as $1,561 annually 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.

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

For drivers with multiple tickets, Erie Insurance offers the lowest premiums, averaging $1,231 per year or $103 per month.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Ohio how much having multiple tickets can raise their insurance 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

In Ohio, GEICO provides the lowest premiums for drivers with poor credit, averaging $2,105 per year or $175 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Ohio.

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 average rates after an accident at $1,395 a year. Auto-Owners also offers affordable rates, averaging $1,608 per year.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving 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

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Cheapest car insurance in Ohio by city

In Ohio, the lowest car insurance rates are found in Tiffin, averaging $2,012 annually. On the other hand, Cleveland has the highest rates at $2,728 a year.

Where you live in Ohio matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood 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 may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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: