- Does an OVI raise car insurance rates in Ohio?
- How much does an OVI raise your insurance in Ohio?
- If someone gets an OVI in your car, does it go on your insurance?
- How long does an OVI affect your insurance in Ohio?
- How much does an OVI raise insurance by age group?
- How much does an OVI raise your insurance in your city?
- How to get car insurance after an OVI in Ohio
- Ohio OVI insurance requirements and penalties
- How long after an OVI does your insurance go down?
- Tips to save money after an OWI
- Methodology
- Ohio OVI insurance: Frequently asked questions
- Compare Ohio DUI car insurance rates with other states
Does an OVI raise car insurance rates in Ohio?
Ohio car insurance averages $1,417 with a clean driving record. However, average car insurance rates after an 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 an OVI raise your insurance in Ohio?
The cheapest insurer after an 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 an OVI.
Not only is driving under the influence dangerous, but it’s also expensive. You’ll face hefty fines and increased car insurance rates for years. However, every company weighs a DUI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average car insurance rates after an 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 |
PEOPLE ASK:
What happens when you get an OVI in Ohio?
If you’re convicted of an OVI 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, and car insurance rates will increase for 10 years.
If someone gets an OVI in your car, does it go on your insurance?
Typically, the insurance follows the car, not the driver, so your car insurance won’t increase since the OVI won’t be on your driving record.
However, your rates may increase if your vehicle is involved in an accident due to an OVI. Additionally, your car can be declared a crime scene after an accident, so you won’t have access to your vehicle until the police are ready.
How long does an OVI affect your insurance in Ohio?
While an OVI may remain on your driving record forever, it doesn’t affect rates forever. An OVI affects Ohio car insurance for 10 years. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after an OVI?
It may be more challenging to find affordable car insurance after an OVI, 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 an OVI, you may consider shopping for new coverage to compare rates.
How much does an OVI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While an OVI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with an OVI is $3,855.
These are the cheapest companies after an 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 an OVI affects car insurance rates based on age group.
| Age | Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|---|
| Teen(18 yr) | Erie Insurance | $2,906 | $3,855 | $949 | 33% |
| Teen(18 yr) | Travelers | $3,888 | $5,707 | $1,819 | 47% |
| Teen(18 yr) | Auto-Owners | $2,865 | $6,137 | $3,272 | 114% |
| Teen(18 yr) | Geico | $2,838 | $6,834 | $3,996 | 141% |
| Teen(18 yr) | Progressive | $7,155 | $7,403 | $248 | 3% |
| Teen(18 yr) | Allstate | $5,121 | $7,408 | $2,287 | 45% |
| Teen(18 yr) | Farmers | $8,015 | $12,327 | $4,312 | 54% |
| Teen(18 yr) | USAA | $2,358 | $4,552 | $2,194 | 93% |
| Young Adults(25 yr) | Erie Insurance | $1,429 | $2,295 | $866 | 61% |
| Young Adults(25 yr) | Travelers | $1,588 | $2,356 | $768 | 48% |
| Young Adults(25 yr) | Progressive | $1,948 | $2,379 | $431 | 22% |
| Young Adults(25 yr) | Auto-Owners | $1,512 | $3,109 | $1,597 | 106% |
| Young Adults(25 yr) | Geico | $1,484 | $3,274 | $1,790 | 121% |
| Young Adults(25 yr) | Allstate | $2,476 | $3,457 | $981 | 40% |
| Young Adults(25 yr) | Farmers | $1,953 | $3,995 | $2,042 | 105% |
| Young Adults(25 yr) | USAA | $1,311 | $1,994 | $683 | 52% |
| Adults(40 yr) | Erie Insurance | $1,132 | $1,814 | $682 | 60% |
| Adults(40 yr) | Progressive | $1,626 | $2,032 | $406 | 25% |
| Adults(40 yr) | Travelers | $1,336 | $2,128 | $792 | 59% |
| Adults(40 yr) | Auto-Owners | $1,109 | $2,222 | $1,113 | 100% |
| Adults(40 yr) | Allstate | $1,942 | $2,661 | $719 | 37% |
| Adults(40 yr) | Geico | $1,373 | $3,326 | $1,953 | 142% |
| Adults(40 yr) | Farmers | $1,794 | $3,643 | $1,849 | 103% |
| Adults(40 yr) | USAA | $994 | $1,498 | $504 | 51% |
| Seniors(65 yr) | Erie Insurance | $1,097 | $1,762 | $665 | 61% |
| Seniors(65 yr) | Progressive | $1,503 | $1,923 | $420 | 28% |
| Seniors(65 yr) | Auto-Owners | $1,030 | $2,093 | $1,063 | 103% |
| Seniors(65 yr) | Travelers | $1,249 | $2,136 | $887 | 71% |
| Seniors(65 yr) | Allstate | $1,771 | $2,437 | $666 | 38% |
| Seniors(65 yr) | Farmers | $1,656 | $3,398 | $1,742 | 105% |
| Seniors(65 yr) | Geico | $1,368 | $3,595 | $2,227 | 163% |
| Seniors(65 yr) | USAA | $903 | $1,361 | $458 | 51% |
How much does an OVI raise your insurance in your city?
The cheapest city in Ohio for car insurance with an OVI is Tiffin, while the most expensive city is Cleveland at an average of $2,885. Where you live affects car insurance rates, regardless of an OVI. Drivers in areas with higher traffic rates and more vehicle thefts pay higher insurance rates since their cars are more likely to be damaged. Those higher rates are then raised significantly with an OVI.
This table shows average OVI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts 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% |
How to get car insurance after an OVI in Ohio
Insurers will label you as a high-risk driver after an OVI, but that doesn’t mean you can’t get car insurance. Finding the best fit after an OVI conviction may require a little work.
If you have car insurance and get an OVI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after an OVI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Ohio since each insurer offers different rates after an OVI.
Ohio OVI insurance requirements and penalties
An 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.
An 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 | 0.17 |
| Administrative license suspension after a first offense | 90 days |
| Limited driving privileges during suspension | After 15 days |
| Ignition interlocks | Mandatory for repeat convictions |
| Open container laws | No |
| Repeat offender laws | No |
*BAC is blood alcohol concentration
How long after an OVI does your insurance go down?
An OVI or DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a OWI can affect rates for 10 years.
Ohio drivers can expect to pay higher car insurance rates after an OWI for 10 years.
Tips to save money after an OWI
An OVI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after an OVI
Ways Ohio drivers can save on car insurance after an OVI include:
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
Insurance.com commissioned car insurance rates from Quadrant Information Services based on a 40-year-old driver with good credit and one DUI/DWI/OVI. Sample rates are based on a 2023 Honda Accord LX with full coverage at limits of 100/300/100 for liability and $500 deductibles. We also commissioned rates for various age groups including teens (16-19), young adults (20-25) and seniors (65+).
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, an OVI stops affecting car insurance rates in three to five years.
Will my insurance drop me after an 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.
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