Cheapest Auto Insurance Quotes for Drivers with a DUI in Ohio

Deciphering which company offers the best auto insurance rates for drivers with a DUI will require a little more sweat than just picking a company at random.

Each insurer uses different criteria to determine rates, so we’ll take a look at the most competitive auto insurance companies in Ohio.

Cheap Insurance Rates after a DUI

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Utica National generally has some of the best car insurance rates in Ohio at around $654 a year. Erie, Allied, Frankenmuth, and USAA would also make the list of some of the most economical Ohio car insurance companies.

As shown in the table above, if you are currently insured with Frankenmuth and switched to Erie, you might realize a yearly savings of approxmiately $34. Ohio drivers with USAA might save as much as $44 a year, and Travelers insureds might reduce prices by as much as $59 a year.

It’s important to note that these estimates are averages across all insureds and vehicles and and are not calculated with a price surcharge for drivers with a DUI. So the auto insurance company that fits you best may not even be shown in the above list. That is why you need to compare rates from multiple companies using your own specific driver information and vehicle.

After getting a DUI, one of the more important components used to calculate the cost of insurance is where you keep your vehicle in Ohio. Areas that are densely populated or have higher claim frequency like Youngstown, Cleveland, and Columbus will most likely have higher rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The table below shows the highest-priced areas in Ohio for drivers with a DUI to buy auto insurance in.

Prices are estimated as the specific Ohio residence address can affect coverage rates noticeably.

Get discount Ohio auto insurance rates

Car insurance companies that offer the cheapest auto insurance for drivers with a DUI in Ohio may also give you policy discounts that could reduce prices by 40% or more if you meet certain criteria. A list of auto insurance companies and some of the discounts can be found below.

• Progressive has savings for continuous coverage, online quote discount, multi-vehicle, homeowner, and good student.
• MetLife may include discounts for claim-free, good student, defensive driver, multi-policy, and good driver.
• Mercury Insurance may have discounts that include ease of repair, multi-car, low natural disaster claims, type of vehicle, anti-theft, good driver, and good student.
• Nationwide offers discounts for anti-theft, good student, defensive driving, Farm Bureau membership, and business or organization.
• GEICO includes discounts for five-year accident-free, daytime running lights, good student, driver training, emergency military deployment, military active duty, and membership and employees.
• AAA offers premium reductions for pay-in-full, multi-policy, multi-car, good student, AAA membership discount, and anti-theft.

The example below illustrates the comparison of yearly insurance costs with and without discounts applied to the premium. The costs are based on a female driver, two speeding tickets and no accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, homeowner, multiple vehicle, paid-in-full, marriage, and paperless filing discounts applied. When these discounts are applied, the the average yearly reduction on auto insurance for drivers with a DUI is 28% or $628.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3067,2211],[‘Age 30’, 2305,1671],[‘Age 40’, 2181,1579],[‘Age 50’, 1983,1435],[‘Age 60’, 1935,1401],[‘Age 70’, 2153,1559]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Drivers with a DUI’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Impact of careless driving on Ohio auto insurance rates

The best way to get low auto insurance premiums in Ohio after getting a DUI is to be a good driver and avoid getting tickets or having accidents. The illustration below demonstrates how citations and fender-benders can affect insurance premiums for different ages of insureds. The data is based on a single female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1365,1669,1973],[‘Age 30’, 925,1227,1529],[‘Age 40’, 867,1169,1471],[‘Age 50’, 757,1061,1365],[‘Age 60’, 735,1039,1343],[‘Age 70’, 865,1167,1473]]);var options = {title: ‘Impact of Tickets and Claims on Ohio Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of car insurance per year with no accidents and a clean driving record is $919. Get written up for two speeding tickets and the average cost swells to $1,222, an increase of $303 each year. Now add in one accident along with the two speeding tickets and the annual cost of auto insurance for drivers with a DUI increases to an average of $1,526. That’s an increase of $607, or $51 per month, just for not driving carefully!

Which car insurance company is best?

When comparing auto insurance after getting a DUI in Ohio, the most popular companies are State Farm, Progressive, Geico, and Allstate. When combined, they insure over 45% of all car insurance policies in America. The next table compares price, claims, and customer service ratings, as well as some optional coverages shoppers can expect to find with each one.