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Ohio Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Ohio (2022)
For drivers that are high-risk 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 for drivers that are high-risk.
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 high-risk drivers in Ohio.
| Carrier | Avg. 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 |
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
No Violation$145
Speeding Ticket$173
Failure to Stop$176
At-Fault Accident$189
Reckless Driving$216
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.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $145 |
| Speeding Ticket | $173 |
| At-Fault Accident | $189 |
| Reckless Driving | $216 |
| Failure to Stop | $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.
No Violation - Avg. Monthly Rate$145
Speeding ticket - Avg. Monthly Rate$173
$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.
No Violation - Avg. Monthly Rate$145
Speeding ticket - Avg. Monthly Rate$189
$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.
No Violation - Avg. Monthly Rate$145
Speeding ticket - Avg. Monthly Rate$176
$31 ▴
Avg. Monthly Rate Increase
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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.
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
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.