In Ohio, drivers with clean records pay an average of $1,782 per year for full coverage and $468 per minimum coverage. However, if you have some bumps along the way, such as speeding tickets, accidents, DUIs, etc., the fees can look very different. Insurance companies view these cases as signs that you may be more likely to file a claim. So why is someone becoming a high-risk driver in Ohio? And how much does it cost you? Bankrate’s insurance team breaks it down.
Ohio High Risk Auto Insurance Fees
To give you a clearer view of what high-risk drivers might pay in Ohio, Bankrate insurance experts analyzed the average car insurance rates from quadrant information services at several major insurance companies in the state. We investigated the estimated rates for common high-risk scenarios, including:
- 1 speeding ticket
- One Disaster Accident
- One DUI/OVI conviction
- Add teen drivers to policy
Keep in mind that these are merely averages. Auto insurance is highly personalized and rates can look very different depending on factors such as age, zip code, driving history, credit score, driving car, gender, and more.
With two drivers not quite similar, the best way to find affordable coverage is to shop. Comparing quotes from multiple insurance companies will help you find high-risk policies in Ohio that suit your needs and budget.
Fees after speeding tickets
In Ohio, even a single speeding ticket can increase car insurance rates. On average, drivers are up 22% for full coverage. But how much your premium rises depends on a few things, including how fast you were, your past driving history, your age, where you live, and more.
Ohio uses the points system to track traffic violations, and speeding is no exception. A typical speeding ticket can add 2-4 points to your license. If you earn 12 points within two years, you can consider suspending your license. These violations will appear in your driving record summary. This tracks movement and serious violations over the past three years.
It is also worth noting that not all insurance companies treat speeding tickets the same way. Some people punish you heavily than others. Below is a breakdown of how one speeding ticket affects a full coverage premium with several major Ohio insurance companies.
|
Auto insurance company |
Ohio average. Annual premium for full coverage before speeding ticket |
Ohio average. Annual premium for full coverage after speeding tickets |
% increase |
|---|---|---|---|
| All State | $1,819 | $2,204 | twenty one% |
| Car Owner | $1,621 | $1,621 | 0% |
| farmers | $2,240 | $3,109 | 39% |
| Geico | $1,264 | $1,615 | 28% |
| progressive | $1,444 | $2,137 | 48% |
| USAA | $2,297 | $2,919 | 27% |
Post-Accident Fees
Ohio follows the contributing failure system. This means that both drivers can share responsibility for the crash. If a disability is discovered, premiums can increase. The state’s average increase is around 47%, but some companies could raise rates above 80% depending on the details.
Some insurance companies offer the first predictive forgiveness. This helps avoid rate hiking, but it was the first recent accident and only if the provider includes this feature. However, multiple accidents within a few years will mostly lead to a more sharp increase in premiums.
Even if you’re not negligent, your rate can still rise to some insurance companies, so it’s wise to check before filing a claim.
If you receive a ticket bound by an accident, you can also earn points on your license. And if you didn’t have full coverage, you can pay from your pocket for repairs to your car. Additionally, in Ohio, other drivers can sue damages beyond what your liability insurance covers.
|
Auto insurance company |
Ohio average. Full coverage annual insurance premium before an accident |
Ohio average. Annual insurance premiums with full coverage after an accident |
% increase |
|---|---|---|---|
| All State | $1,819 | $2,665 | 47% |
| Car Owner | $1,621 | $2,295 | 42% |
| farmers | $2,240 | $4,044 | 81% |
| Geico | $1,264 | $1,908 | 51% |
| progressive | $1,444 | $2,416 | 67% |
| USAA | $2,297 | $3,532 | 53% |
Post-DUI Fees (OVI in Ohio)
Driving while you have an alcohol or medication disorder is extremely dangerous and puts you at risk for others and your own lives. Both Ohio law enforcement and insurance companies take this type of violation very seriously. According to the National Highway Traffic Safety Administration, approximately 32% of fatal collisions involve drunk drivers.
The impact on premiums is important given the risk and severity of driving while suffering from a disability. Ohio premiums increase on average by 97% for drivers with OVIs on their records, but the amount of increases varies depending on the insurance provider. Based on Ohio carrier data, some insurers can increase your rate by 100% or more, while some insurers may even refuse to provide full coverage.
The first offence usually includes a fine of up to $1,075, attendance at a prison or “driver intervention program” for at least three days, probation for up to five years, and a licence suspension for up to three years. Subsequent crimes can be expected to result in higher fines and more prison hours.
|
Auto insurance company |
Ohio average. Full coverage before DUI Annual Premium |
Ohio average annual premium for full coverage after DUI |
% increase |
|---|---|---|---|
| All State | $1,819 | $2,415 | 33% |
| Car Owner | $1,621 | $3,126 | 93% |
| farmers | $2,240 | $4,543 | 103% |
| Geico | $1,264 | $2,109 | 67% |
| progressive | $1,444 | $1,848 | 28% |
| USAA | $2,297 | $4,433 | 93% |
Prices after adding teen drivers
Adding teenage drivers to your car policy will significantly increase your premiums. Teens are considered high risk by insurance companies because of limited driving experience and increased likelihood of getting involved in an accident.
For this reason, teenage drivers usually face some of the best car insurance premiums. Below is the average cost of adding teenagers to parental insurance with several major insurance providers in Ohio.
|
Auto insurance company |
Rate without insured 16 years old |
Fees with a 16-year-old insured person |
% increase |
|---|---|---|---|
| All State | $1,819 | $3,379 | 86% |
| Car Owner | $1,621 | $3,994 | 146% |
| farmers | $2,240 | $4,438 | 98% |
| Geico | $1,264 | $2,596 | 105% |
| progressive | $1,444 | $3,377 | 134% |
| USAA | $2,297 | $5,848 | 155% |
Who is the most risky driver?
Bankrate defines high-risk drivers as those who have been convicted of at least one speeding ticket, a disability accident, or records, or as a married couple with a teenage driver in their policy. Various insurers may define high-risk drivers more broadly. If you have, you may need high-risk car insurance in Ohio:
- Bad trust
- Accidents with one or more disability in the past 3-5 years
- Speeding tickets or other quotes
- OVI conviction
- SR-22 requirements
- Coverage expired
- Sports car or luxury car
- Teen drivers on your policy
- Home address in areas where many vandalism and thefts occur
How to lower your rate if you’re a high-risk driver
Even if you are considered a high-risk driver, there are several ways to help you lower your overall car insurance premiums. There are several strategies to consider.
- Shop for car insurance: All insurance providers measure the weight of your personal information differently. One insurance company has a higher fee, while another company has a more affordable price. Use online comparison tools or get quotes from various car insurance companies in Ohio to see if your switching provider can save you money.
- Take a defensive driving course: Many insurance companies offer discounts to drivers taking safe or defensive driving courses. These courses teach skills that can be used to prevent or avoid accidents. Work with your career to either offer this discount or see if you have a list of approved courses.
- Take advantage of safe driving and a low mileage program. Some insurers use telematics or app-based programs to reward drivers who do not demonstrate safe driving behavior or drive. You may be able to earn discounts or low insurance costs just to participate. Make sure you understand the terminology before signing up. For some insurance companies, if you don’t drive safely, the rate can actually increase.
- Ask about other discount eligibility: Many insurance companies receive discounts for homeowners, excellent students and drivers who bundle multiple policies. If you are looking for a new policy as a high-risk driver, decide which discount you will receive when requesting a quote.
- Increase deductibles: The deduction is the amount you pay from your pocket before insurance begins and will help you pay damages and other expenses. Raising the deductible is one way to reduce monthly premiums, but don’t forget there is a price. You must be able to afford higher out-of-pocket expenses when filing a claim, so you can only increase your deductible if you can handle additional financial risks.
- Lower coverage limits: Ohio requires a state minimum liability limit, but some optional coverage types may not be as important depending on the age and condition of the vehicle. While only minimum liability coverage may be low, getting involved in an accident without adequate insurance coverage is financially devastating. It is important to compare the costs and benefits of your preferred coverage level. It can be helpful to seek advice from an agent.
FAQ
Methodology
Using Quadrant Information Services, Bankrate analyzes all ZIP codes and carriers in all 50 states March 2025 rates, with Washington DC rates being weighted based on population density for each geographical region. The cited fees are based on 40-year-old male and female drivers with clean driving records, good credits and the following full coverage limits:
- $100,000 per person physical injury liability
- $300,000 for each accident
- Liability for property damages of $50,000 per accident
- Uninsured driver physical injury for $100,000 per person
- Uninsured driver’s physical injury for $300,000 per accident
- $500 collision deduction possible
- Comprehensive $500 deduction
To determine the minimum coverage limit, bank rates used minimum coverage to meet the requirements of each state. Our base profile driver owns a 2023 Toyota Camry, commutes five days a week and drives 12,000 miles a year. Bundles and paperless billing discounts apply.
These are sample rates and should be used for comparison purposes only. Your quote is different.
If specified, the base profile has been modified with the following driver characteristics:
Incident: Rates were calculated by assessing the base profile by applying clean records (base), faulty accidents, single speeding tickets, and single DUI convictions.
year: Rates were calculated by assessing the base profile by applying ages 18-70 (base: 40 years). Depending on your age, the driver may be a tenant or homeowner. Age is not a contribution rating factor for Hawaii and Massachusetts, due to state regulations. For teen drivers, fees were determined by adding teenagers ages 16 or 17 to the policy of 40-year-old married parents. The fees shown reflect the total cost of drivers that this age has been added to the parents’ policy.
