OVI Car Insurance in Ohio: Costs, Laws, and Cheapest Companies (2026)

Cheapest car insurance quotes after an OVI in Ohio

After an OVI conviction in Ohio, drivers pay an average of $92 per month for liability-only car insurance and $169 for full coverage, according to Insurify data.

The table below compares quotes from companies across Ohio. Mile Auto offers the cheapest car insurance for Ohio drivers with an OVI on their record.

The below rates in Ohio are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Mile Auto	$51
State Farm	$52
Auto-Owners	$58
Progressive	$59
Erie	$61
Commonwealth Casualty	$65
GEICO	$66
USAA	$66
The General	$67
American Family	$70
Certainly	$72
Safeco	$76
Trexis	$81
Hugo	$82
AssuranceAmerica	$84
Trexis One	$88
First Acceptance	$90
Direct Auto	$95
Elephant	$95
GAINSCO	$95
Clearcover	$97
Bristol West	$102
Dairyland	$107
Root	$110
Allstate	$114
National General	$114
Liberty Mutual	$117
Travelers	$123
Farmers	$127
Insurify Car	$153
State Auto	$169

Disclaimer: Table data sourced from real-time Ohio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ohio may vary based on the policy buyer's unique driver profile.

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Liability rates average $92/mo. for drivers with an OVI

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How an OVI affects car insurance rates in Ohio

An OVI conviction, which is Ohio’s version of a driving while impaired (DWI) or driving under the influence (DUI) conviction, generally raises your rates, but the exact increase depends on your specific situation. On average, Ohio drivers with an OVI pay 67% more for car insurance than drivers with a clean record, according to Insurify data.

Several factors influence how much your rates increase after an OVI, including:

• BAC level: Ohio uses a tiered system for OVI penalties. A standard OVI applies to a blood alcohol concentration (BAC) of 0.08% to 0.169%.^[1] The state considers a BAC of 0.17% or higher an “aggravated OVI,” which comes with harsher penalties.

• Prior offenses: Ohio uses a 10-year look-back period for OVI convictions.^[2] A second or third OVI within that window comes with higher penalties and typically leads to a bigger jump in car insurance costs than a first-time offense.

• Age: Younger drivers already pay more for car insurance because they have higher accident rates than more experienced drivers. Ohio charges drivers younger than 21 with operating a vehicle after underage consumption (OVUAC) for a BAC of 0.2% or higher.

• Coverage levels: The more coverage you have, the more an OVI affects your total premium. Premiums for liability-only policies with state-minimum limits increase by a smaller dollar amount than full-coverage policies.

The chart below shows average Ohio car insurance rates with and without an OVI for different driver profiles.

Best car insurance companies after an OVI in Ohio

The best company for you after an OVI depends on your driving history, budget, coverage needs, and more. Here, you’ll find some of the top insurers in Ohio for drivers with an OVI, based on rates, coverage offerings, verified user reviews, and third-party industry ratings.

Mile Auto: Best for low-mileage drivers after an OVI in Ohio

low-mileage drivers after an OVI in Ohio

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User Reviews	4.5 211 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$35/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$55/mo

Details

4.5

Best choice in OhioBased on 211 verified driver reviews and ratings

	Mile Auto's score	Industry average
Coverage options	4.0	3.2
Customer service	3.4	3.6
Discounts	4.0	2.9
Policy transparency	3.9	3.1
Value	4.0	2.9

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

---

Best in Ohio for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviewsSee all 71 Mile Auto reviews

Evelyn

Verified Review

Not What I Thought It Would Be

Reviewed in Florida on July 25, 2026

I thought it would be cheaper. I have to provide a photo of my mileage every month. I don’t drive much, and they aren’t any cheaper.

Katrina

Verified Purchase

They do give you some comfort

Reviewed in Georgia on July 12, 2026

It’s been fair so far, but I wish you could access them online. I’d like to know what coverage options I can add. Discussing them on the phone is fine, but sometimes you want to see it for yourself.

Russell

Verified Purchase

Mile

Reviewed in Georgia on June 6, 2026

Overall, I had a good experience and saved money.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Mile Auto offers some of the lowest average rates for Ohio drivers with an OVI on their record, according to Insurify data. Its pay-per-mile policies charge a low base rate plus a per-mile fee, so cutting back on driving after an OVI can help keep your costs down.

Pros

• Low average post-OVI rates in Ohio

• No tracking device required; you submit odometer photos monthly

• Optional coverages available

Cons

• Not a good option if you drive more than 10,000 miles per year

• No bundling or discount opportunities

• No scores from J.D. Power or National Association of Insurance Commissioners (NAIC)

State Farm: Best for customer service after an OVI in Ohio

customer service after an OVI in Ohio

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User Reviews	4.1 20,167 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$36/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$61/mo

Details

4.1

Best choice in OhioBased on 20,167 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best in Ohio for

Customer service

Competitive rates

Discounts for safe drivers

Showing 63 reviews from Ohio driversSee all 7,889 State Farm reviews

Barbara

Verified Review

State Farm Auto

Reviewed in Ohio on July 30, 2026

Expensive. My rates keep going up despite having no claims and driving very low mileage.

Harriet

Verified Review

Charging Too Much for Insurance!!!

Reviewed in Ohio on July 17, 2026

Overpriced for insurance. I’m looking for a better price.

Vivian C

Verified Review

My payments are too high because I'm on a fixed income.

Reviewed in Ohio on June 23, 2026

They cover what they need to cover, but my monthly payments are too high.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

665

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm combines a high Insurify Quality (IQ) Score with relatively affordable rates for Ohio drivers with an OVI. It’s also known for responsive claims handling and for having a large network of local agents. That in-person service is nice if you need extra help dealing with SR-22 filing.

Pros

• Above-average J.D. Power customer satisfaction rating in the North Central region

• Many local Ohio agents for in-person support

• Several discounts available to Ohio drivers

Cons

• High number of NAIC complaints in Ohio

• No accident forgiveness or gap coverage

• Customer service quality may depend on the experience with your local agent

Erie: Best for customizable coverage after an OVI in Ohio

customizable coverage after an OVI in Ohio

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User Reviews	4.4 543 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.4 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$42/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$72/mo

Details

4.4

Best choice in OhioBased on 543 verified driver reviews and ratings

	Erie Insurance's score	Industry average
Coverage options	4.2	3.2
Customer service	3.7	3.6
Discounts	3.8	2.9
Policy transparency	4.0	3.1
Value	3.7	2.9

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

Based on analysis of verified reviews collected by Insurify

---

Best in Ohio for

High customer satisfaction

Competitive rates

Optional coverages

Showing 4 reviews from Ohio driversSee all 239 Erie Insurance reviews

Regina

Verified Review

May the best company win

Reviewed in Ohio on May 25, 2026

Where I'm at is very good and satisfying. My daughter said I should check you out, so that's why I'm here. I do feel it's good to check out your options instead of going with the first company.

Thomas

Verified Review

Options

Reviewed in Ohio on February 20, 2026

Many options, check them out.

Douglas

Verified Review

Erie Insurance: Local Agents, Great Customer Service!

Reviewed in Ohio on February 9, 2026

Never had a claim. I think their rates are very good!

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

710

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.68

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Erie insurance offers low post-OVI auto insurance rates in Ohio, along with flexible coverage options and discounts that can help offset costs as a high-risk driver. Its customizable add-ons let you tailor coverage to your budget while you wait out your SR-22 filing period.

Pros

• Highest J.D. Power customer satisfaction rating in the North Central region

• Customizable coverage options, including full window glass and pet coverage

• Multiple Ohio discount opportunities to help lower overall costs

Cons

• Fewer usage-based discounts than some competitors

• Can’t buy a policy online

• Available in only 12 states and Washington, D.C., so may not transfer if you relocate

How to get car insurance after an OVI in Ohio

Getting car insurance after an OVI in Ohio might take a bit more legwork than shopping for coverage with a clean record. These tips can help you find coverage that fits your budget:

• Compare quotes from insurance companies. Insurance companies view an OVI conviction as a sign that you’re a high-risk driver. Not every company works with high-risk drivers. Request quotes from companies that specialize in working with drivers with less-than-perfect records.

• Adjust your coverage to lower costs. You may consider raising your deductible or dropping optional coverages on an older vehicle to help offset higher rates.

• Ask about discounts. Many car insurance companies offer discounts for things like installing anti-theft devices, bundling home and auto insurance, or insuring more than one vehicle. Ask whether you qualify for any discounts that can help offset higher rates.

• Complete the requirements to reinstate your license. Pay the $475 Ohio Bureau of Motor Vehicles (BMV) reinstatement fee, complete any required alcohol assessment or driver intervention program, and wait out the mandatory suspension period before applying to reinstate your driving privileges.

• Ask your insurance company to issue an SR-22. Ohio requires an SR-22 after an OVI conviction. Your insurance company files this certificate of financial responsibility on your behalf. You may have to pay a small fee, a higher premium, or both to get an SR-22 filed.^[3]

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OVI laws in Ohio

Ohio uses a tiered penalty system that gets more severe based on your BAC level, whether it’s a repeat offense, and other aggravating factors, like causing an accident or having a minor in the vehicle.

Ohio’s OVI penalties

In Ohio, a first-offense OVI is a first-degree misdemeanor with a mandatory minimum of three days in jail and fines ranging from $375 to $1,075. The court can suspend your license for one to three years, although you can apply for limited driving privileges after 15 days.^[4]

If your BAC was 0.17% or higher, Ohio’s “high test” classification increases the mandatory jail minimum to six days. Penalties increase with each subsequent conviction, and a fourth OVI within 10 years is a felony.

How long an OVI stays on your record in Ohio

An OVI stays on your driving record and criminal record permanently in Ohio. Unlike many other misdemeanors, the state won’t seal or expunge OVI convictions, so they show up on background checks indefinitely.

The points added to your driving record from an OVI drop off after two years, but how long the OVI affects your insurance rates depends on the insurance company. Some insurers look back only three years, and others look back five years.

Ohio SR-22 requirements

Ohio requires you to file an SR-22 to prove you have at least the state-minimum liability coverage after an OVI conviction. Your insurance company files this form on your behalf electronically with the Bureau of Motor Vehicles (BMV). You need to maintain continuous coverage for at least one year.

Minimum car insurance requirements in OH after an OVI

Ohio requires all drivers to have at least the following minimum limits:^[5]

• Bodily injury liability: $25,000 per person, $50,000 per accident

• Property damage liability: $25,000 per accident

This is known as 25/50/25 liability coverage. An OVI doesn’t change these minimums, but you must have your insurance company submit an SR-22 to the BMV to confirm you have coverage.

How long an OVI affects your insurance rates depends on the insurance company. An OVI stays on your driving record and criminal record permanently in Ohio. But most insurance companies only look back three to five years when setting rates.

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How to lower OVI insurance costs in Ohio

While a rate increase after an OVI in Ohio is unavoidable, you’re not stuck paying the highest possible rates. These tips can help you keep premiums relatively affordable:

• Compare quotes. Auto insurance rates after an OVI vary widely by company. Get quotes from several insurance companies to find the right coverage for you at the most affordable rate.

• Take a defensive driving course. Some insurance companies offer discounts for taking a state-approved course.

• Raise your deductible. Choosing a higher deductible lowers your monthly premium if you have full coverage. Just remember this means paying more out of pocket if you file a claim.

• Drop full coverage if you don’t need it. If you own your car outright and it has a low market value, consider dropping comprehensive coverage and collision coverage to save money. But think carefully before dropping uninsured motorist coverage, since an estimated 18.5% of Ohio drivers are uninsured, according to the Insurance Information Institute.

• Consider pay-per-mile insurance. Ohio has several pay-per-mile options, including Mile Auto and Nationwide’s SmartMiles program. These policies may help you save money by letting you pay only for the miles you actually drive, plus a low base rate.

OVI car insurance in Ohio FAQs