Ohio OVI and insurance: How much does an OVI raise your insurance?

Does a OVI raise car insurance rates in Ohio?

Ohio car insurance averages $1,417 with a clean driving record. However, average car insurance rates after a OVI increase to $2,522, which is $1,105 more.

Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple OVIs, average rates dramatically increase to $3,816.

How much does a OVI raise your insurance in Ohio?

The cheapest insurer after a OVI is Erie Insurance, with rates averaging $1,814. The next cheapest insurer is Progressive a difference of $218 from Erie Insurance. Travelers has the third-most affordable car insurance rates with a OVI.

Driving under the influence is both dangerous and expensive. You'll face substantial fines and increased car insurance rates for many years. Because each insurer handles a OVI differently and sets its own pricing, comparing quotes from several companies is essential.

The table below lists theaverage car insurance rates after a OVI in Ohio.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
Erie Insurance	$1,132	$1,814	$2,398
Progressive	$1,626	$2,032	$3,147
Travelers	$1,336	$2,128	$3,085
Auto-Owners	$1,109	$2,222	$4,892
Allstate	$1,942	$2,661	$3,746
GEICO	$1,373	$3,326	$4,257
Farmers	$1,794	$3,643	$5,662
USAA	$994	$1,498	$1,679

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PEOPLE ASK:

What happens when you get a DUI in Ohio?

If you're convicted of a DUI in Ohio, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and the OVI will stay on your record for 10 years.

If someone gets a OVI in your car, does it go on your insurance?

In most situations, insurance follows the vehicle rather than the driver, so your auto insurance rates won't increase because the OVI will not show up on your driving record.

However, your premiums may increase if your vehicle is involved in a crash resulting from a OVI. Your car may also be held as a crime scene after the incident, which means you won't be able to access it until the police have cleared it.

How long does a OVI affect your insurance in Ohio?

Even though a OVI may remain on your driving record for life, it won't affect your insurance rates forever. In Ohio, a OVI impacts car insurance and stays on your record for 10 years. Your premiums should begin to decrease after a few years of keeping a clean driving record without further violations.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.

How much does a OVI raise insurance by age group?

Younger drivers pay more for car insurance than older, more experienced drivers because they have less time on the road. Although a OVI raises rates for any driver, a teen's insurance costs surge even higher after a conviction. The average car insurance rate for a teen with a OVI is $3,855.

These are the cheapest companies after a OVI by age:

For teens: Erie Insurance is the cheapest at $3,855.
For young adults: Erie Insurance offers the cheapest young adult coverage at $2,295.
For adults: Erie Insurance, with an average rate of $1,814.
For seniors: Erie Insurance has the most affordable average rate at $1,762.

This table shows how a OVI affects car insurance rates based on age group.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Erie Insurance	$2,906	$3,855	$949	33%
Travelers	$3,888	$5,707	$1,819	47%
Auto-Owners	$2,865	$6,137	$3,272	114%
GEICO	$2,838	$6,834	$3,996	141%
Progressive	$7,155	$7,403	$248	3%
Allstate	$5,121	$7,408	$2,287	45%
Farmers	$8,015	$12,327	$4,312	54%
Erie Insurance	$2,906	$3,855	$949	33%
Travelers	$3,888	$5,707	$1,819	47%
Auto-Owners	$2,865	$6,137	$3,272	114%
GEICO	$2,838	$6,834	$3,996	141%
Progressive	$7,155	$7,403	$248	3%
Allstate	$5,121	$7,408	$2,287	45%
Farmers	$8,015	$12,327	$4,312	54%
USAA	$2,358	$4,552	$2,194	93%
USAA	$2,358	$4,552	$2,194	93%

How much does a OVI raise your insurance in your city?

The least expensive city in Ohio for car insurance after a OVI is Tiffin, while the costliest city is Cleveland, with an average rate of $2,885. Your location influences your insurance costs, even without a OVI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A OVI then raises those already elevated rates even more.

This table lists the average car insurance rates after a OVI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Cincinnati	$1,608	$2,870	$1,262	79%
Cleveland	$1,643	$2,885	$1,242	76%
Columbus	$1,597	$2,858	$1,261	79%
Dayton	$1,476	$2,619	$1,143	77%
Defiance	$1,315	$2,275	$960	73%
Elyria	$1,284	$2,297	$1,013	79%
Marion	$1,328	$2,305	$977	74%
Mason	$1,372	$2,438	$1,066	78%
Tiffin	$1,216	$2,130	$914	75%
Upper Sandusky	$1,251	$2,173	$922	74%
Warren	$1,410	$2,500	$1,090	77%
Cincinnati	$1,608	$2,870	$1,262	79%
Cleveland	$1,643	$2,885	$1,242	76%
Columbus	$1,597	$2,858	$1,261	79%
Dayton	$1,476	$2,619	$1,143	77%
Defiance	$1,315	$2,275	$960	73%
Elyria	$1,284	$2,297	$1,013	79%
Marion	$1,328	$2,305	$977	74%
Mason	$1,372	$2,438	$1,066	78%
Tiffin	$1,216	$2,130	$914	75%
Upper Sandusky	$1,251	$2,173	$922	74%
Warren	$1,410	$2,500	$1,090	77%

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How to get car insurance after a OVI in Ohio

Insurers will consider you a high-risk driver after a OVI, but you can still get car insurance. Finding the right coverage after a OVI conviction may take some extra effort.

If you already have car insurance and receive a OVI, your insurer will likely keep your policy active. However, your premiums will rise when it's time to renew.

If you need car insurance after a OVI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Ohio, as each company sets its own rates after a OVI.

Ohio OVI insurance requirements and penalties

A OVI in Ohio means you must meet specific requirements for high-risk drivers. In Ohio, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.

A OVI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.

The table below indicates Ohio OVI laws and penalties based on first and subsequent offenses.

Increased penalty for high BAC	Administrative license suspension after a first offense	Limited driving privileges during suspension	Ignition interlocks	Open container laws	Repeat offender laws
0.17	90 days	After 15 days	Mandatory for repeat convictions	No	No
0.17	90 days	After 15 days	Mandatory for repeat convictions	No	No

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*BAC is blood alcohol concentration

How long after a OVI does your insurance go down?

A OVI impacts car insurance rates for at least three years, although the exact duration depends on the state. In some places, such as California, a OVI can influence your rates for up to 10 years.

Drivers in Ohio can expect elevated car insurance rates after a OVI and expect it to stay on their record for 10 years.

Tips to save money after a OVI

A OVI can cost you thousands in fines, fees, and higher car insurance premiums. Fortunately, you can still take steps to reduce your rates after a OVI.

Ways Ohio drivers can reduce car insurance costs after a OVI include:

Raising your deductible to lower your premium
Checking for discounts, such as multi-policy savings or vehicle safety feature discounts
Maintaining a clean driving record moving forward
Completing a defensive driving course
Working to improve your credit score
Comparing quotes from several insurers

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

One and two OVI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

Ohio OVI insurance: Frequently asked questions

How far back do insurance companies look for a OVI?

OVIs can stay on your driving record for up to 10 years, depending on your state. Typically, a OVI stops affecting car insurance rates in three to five years.

Will my insurance drop me after a OVI in Ohio?

Most insurers won't drop you after one OVI, but rates will increase significantly. However, multiple OVIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.