How to Find the Best Car Insurance
for High Risk Drivers in Ohio

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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
Average Monthly Cost
$145
No Violation
$173
Speeding Ticket
$189
At-Fault Accident
$216
Reckless Driving
$176
Failure to Stop for Red Light / Stop Sign
Driving History

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.

What Are the Best Car Insurance Companies for High-Risk Drivers in Ohio?

Being a high-risk driver can limit your options both in prices and in insurance companies. Still, high-risk drivers have a lot of well-known names to choose from, including Liberty Mutual and Nationwide. A lesser known insurance company, Clearcover Inc., tops the list as the cheapest car insurance company for high-risk drivers in the state.

CarrierAvg. Monthly Cost
Clearcover Inc$99
Travelers$105
Elephant.com$137
Safeco Insurance$140
Liberty Mutual$147
Nationwide$158
American Family Insurance$161
SafeAuto$162
Midvale Home & Auto$167
Direct Auto$182

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.

Driving HistoryAvg. Monthly Cost
No Violation$145
Speeding Ticket$173
At-Fault Accident$189
Reckless Driving$216
Failure to Stop for Red Light / Stop Sign$176

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.

$145
No Violation - Avg. Monthly Rate
$173
Speeding ticket - Avg. Monthly Rate
$28 Avg. Monthly Rate Increase

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.

$145
No Violation - Avg. Monthly Rate
$189
Speeding ticket - Avg. Monthly Rate
$44 Avg. Monthly Rate Increase

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.

$145
No Violation - Avg. Monthly Rate
$176
Speeding ticket - Avg. Monthly Rate
$31 Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates 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.

Tips for Researching High-Risk Ohio Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Ohio draws a wide variety of choices when factoring high-risk driving insurance rates.

Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.