What Makes a Driver High-Risk in Ohio?
Car insurance companies do business based on risk. While low-risk drivers are offered better rates, high-risk drivers suffer the financial consequences of their questionable driving behavior. Those with multiple tickets, drivers who speed, and motorists who drive with a general disregard for others' safety in Ohio are all recognized as high-risk.
Because high-risk drivers are known to make more claims than other drivers, they are charged more in insurance to make up for claims costs.
Ohio Car Insurance Rates for High-Risk Drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in Ohio?
Fact: High-risk drivers make more claims. To stay in business and remain profitable, insurance companies pass on the claims costs to these drivers in the form of increased premiums. How much depends on the individual offense. While multiple offenses will likely increase rates dramatically, drivers can still be dinged for first-time violations.
The kinds of driving behavior that will make you high-risk in Ohio include speeding, causing an accident, reckless driving, and failing to stop for a red light or stop sign.
How Much Does a Speeding Ticket Impact Car Insurance Rates in Ohio?
If you get caught speeding in Ohio, you'll be dinged $28 more a month for car insurance. That's after the $150 speeding ticket and earning a few points on your record. Enrolling in the state's remedial driving course may help some.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How Does an at-Fault Accident Impact Insurance Rates in Ohio?
Car insurance rates increase by 30 percent on average when you are found at fault for an accident. This amounts to an extra $44 per month on top of clean-record rates. The average Ohio driver with this violation on their record pays $189 monthly.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Ohio?
Running a red or failing to stop impacts car insurance rates by $31 a month. A driver with no violation on their record pays $145, while a high-risk driver like this will pay $176.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.