Cheap DUI Car Insurance in Ohio:
Costs and Quotes (2021)
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Best DUI Insurance Companies in Ohio (2021)
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 | |
|---|---|
 Liberty Mutual | $100/mo |
 Nationwide | $115/mo |
 Travelers | $123/mo |
 Elephant.com | $124/mo |
 Safeco Insurance | $135/mo |
 American Family Insurance | $136/mo |
 SafeAuto | $157/mo |
 Direct Auto | $161/mo |
 Bristol West | $172/mo |
 Dairyland Insurance | $175/mo |
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.
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.
| 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.
| Most Expensive State for DUI (1-50) | |
|---|---|
| $357 | 29th |
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.
Insurify Rate Comparison Methodology
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
