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Cheap DUI Car Insurance in Ohio (With Quotes)
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Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Best DUI Insurance Companies in Ohio (2022)
For drivers with a DUI or DWI offense in Ohio, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Ohio. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Ohio.
| Carrier | Avg. Monthly Cost |
|---|---|
| Liberty Mutual | $100 |
| Nationwide | $115 |
| Travelers | $123 |
| Elephant.com | $124 |
| Safeco Insurance | $135 |
| American Family Insurance | $136 |
| SafeAuto | $157 |
| Direct Auto | $161 |
| Bristol West | $172 |
| Dairyland Insurance | $175 |
DUI Car Insurance Costs in Ohio
In Ohio, a DUI or DWI offense will on average have drivers paying $357 per month and $4,284 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 129% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Avg. Monthly Cost - No Violation$156
Avg. Monthly Cost - After DUI$357
$201 ▴
128.85% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
How Much Does a DUI Impact Car Insurance Rates in Ohio?
Every DUI journey is different, and you might traverse a few personal, professional, and financial pitfalls. Just how big of a difference does it make on car insurance?
First, the state average is $172, and those with a clean record beat that, at $156. But after drunk driving, that rate pumps up by a breathtaking 129 percent, to $357 per month. When you do the math, the difference amounts to $201 more per month, or over $2,400 per year. Stare at that number long enough, and you realize it could pay for a whole lot of Ubers.
| No Violation - Avg. Monthly Rate | After DUI - Avg. Monthly Rate | Average Percent Increase After DUI |
|---|---|---|
| $156 | $357 | 128.85% |
What Are the Average Car Insurance Prices After a DUI in Ohio?
Of course, every driver's situation is unique, and your record, profile, and vehicle will decide your premium. On average, drivers with DUIs spend $357 per month to legally stay on the road. How does Ohio compare to the rest of the country? It has the 29th most expensive DUI car insurance in the U.S.
One way to score a lower rate is to opt for liability only on older vehicles, dropping comprehensive and collision coverage. You may also consider coverage levels right around the state minimum.
| Ohio After DUI Avg. Monthly Rate | Most Expensive State for DUI (1-50) |
|---|---|
| $357 | 29th |
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How Long Is the Lookback Period for a DUI in Ohio?
Ohio''s prosecutors can "look back" 10 years when deciding to charge you as a repeat offender. If you have a second DUI beyond that period, it will count as a first offense. Luckily, most car insurance companies only check the past three years, but a few go as high as five.
Patience and defensive driving become two keys to getting your price down to normal. Obviously, an added accident or ticket only makes the situation worse. While you''re doing your best on the road, you can also get quotes every six months to see if a better rate pops up.
Ohio DUI Penalties
For Ohioans, the severity of the punishment changes based on the BAC and whether a test was refused. If you're a first-time offender, you're looking at jail time between three days and six months, a fine between $375 and $1,075, and a license suspension of one to three years. Suspended drivers can ask for a limited license, allowing them to drive with an ignition interlock device.
People under the age of 21 could be found guilty for a BAC of.02 or higher. A conviction could spell jail time of 30 days, fines of $250, and a license suspension of three months to two years.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Ohio Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Ohio. Insurify analyzed the latest data for the five most populous cities in Ohio to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Ohio and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.