Updated: November 10, 2025
Advertising & Editorial Disclosure
For high-risk drivers seeking affordable car insurance in Ohio, American Family, Nationwide and Grange Insurance stand out as the top choices for minimum and full coverage options.
The spectrum of annual car insurance rates for high-risk drivers ranges from a wallet-friendly $370 to a steep $3,136.
To secure the best deal on high-risk car insurance, focus on identifying necessary coverage, researching average costs and discounts, and comparing multiple providers to maximize savings.
In our analysis, American Family stands out as the cheapest for young drivers, those with an accident and drivers with a DUI.
Nationwide offers affordable rates for senior drivers, those with bad credit, and those with both bad credit and driving violations. Auto-Owners provides the best rates for drivers with a speeding ticket.
| American Family | Young Drivers | $26 |
| Nationwide | Senior Drivers | $24 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $24 |
| American Family | Drivers With an Accident | $26 |
| American Family | Drivers With a DUI | $26 |
| Nationwide | Drivers With Bad Credit | $25 |
| Nationwide | Drivers With Bad Credit And Driving Violations | $33 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
While our above table shows the cheapest companies for high-risk insurance, it doesn't cover every unique driver profile. Below, you'll find a table to compare rates from top providers for your needs. This helps you find affordable options tailored to you.
| American Family | $54 | $647 |
| Nationwide | $75 | $901 |
| Grange Insurance | $101 | $1,215 |
| Travelers | $111 | $1,336 |
| Erie | $125 | $1,500 |
Overall, high-risk car insurance costs in the Buckeye State can range anywhere from $31 to $261 monthly, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
| $36 | $436 | $0 | $0 | 0% |
For drivers in Ohio, the impact of traffic violations on car insurance rates can vary. Major offenses, like DUIs or reckless driving, may influence your rates for up to 10 years.
Minor violations affect your rates for three to five years. How long they matter depends on your insurance company because each one handles violations differently.
Getting car insurance with a high-risk profile costs more and limits your options. This guide explains what makes you high-risk, where to find coverage you can afford, and what happens if companies turn you down.
Insurance companies consider you high-risk if you have:
Drivers over 60 also pay higher rates due to age-related risk factors.
Save money on high-risk car insurance in Ohio with these strategies.
Figure out your car insurance needs before you start comparing companies. Don't let aggressive agents push you into coverage you don't need. Look at add-ons like rideshare coverage and roadside assistance if they fit your situation. Our car insurance coverage calculator shows you how much coverage makes sense.
Know what high-risk drivers in Ohio actually pay so you can spot good deals. Defensive driving courses can cut your premium by up to 10%. At-fault accidents and moving violations will increase your rates, but discounts help offset some of the damage.
Pay-per-mile and usage-based insurance programs reward safe driving and low mileage. GEICO's telematics program tracks your driving habits and can lower your costs by up to 30% if you drive safely.
Get quotes from at least three companies. Use independent brokers and online comparison sites because rates for the same coverage can vary between platforms. Make sure you're comparing identical coverage limits so you know which company actually costs less.
Insurance companies can refuse to cover you if your risk is too high. When that happens, you can still get coverage through the Automobile Insurance Plan Service Office (AIPSO). This state program guarantees you can buy at least minimum liability coverage in Ohio.
Monday–Friday, 8:15 a.m.–4:30 p.m. ET
(614) 221-2596
(800) 827-6260
172 E. State Street, Suite 201
Columbus, OH 43215-4321
Based on our research, American Family, Nationwide, and Grange Insurance offer the cheapest high-risk insurance options in Ohio. While these are affordable choices, we recommend doing your own research to compare costs and find the best deal. If you are denied coverage, don't worry. There are programs available to help you secure affordable insurance.
Below, we answer common questions about high-risk car insurance in Ohio.
The cheapest high-risk car insurance provider in Ohio is Nationwide, particularly for senior drivers.
The lowest monthly rate for high-risk car insurance in Ohio is $24 for drivers with a speeding ticket.
If you're denied coverage, connect with the Automobile Insurance Plan Service Office for assistance in obtaining affordable coverage.
High-risk car insurance in Ohio can be significantly more expensive. For drivers with violations, it can cost 47% to 215% more than for those with a clean record.
Compared to adults aged 30 to 59 with no violations, this means paying approximately $41 to $144 more per month.
High-risk drivers in Ohio face steep rate increases that can double or triple standard premiums. We analyzed quotes across different violation types because a DUI, accident, and speeding ticket each impact your costs differently. Ohio insurers vary wildly in how they price high-risk coverage.
We pulled quotes for full coverage car insurance with 250/500/200 liability limits, comprehensive and collision coverage, and a $500 deductible. Minimum coverage rates reflect Ohio's required liability limits.
Base driver profile for comparisons
Our starting point was a 35-year-old driver with 15,000 annual miles, a clean driving record, and excellent credit. This baseline shows what rates look like before violations kick in.
High-risk profiles tested
We then modified this profile to match real high-risk scenarios Ohio drivers face: young drivers building their first record, seniors over 60, drivers with bad credit, and those with accidents, speeding tickets, or DUIs on their record. We also combined these risk factors (like a young driver with an accident or a DUI plus bad credit) because real life doesn't hand you one problem at a time.
Why this approach matters
High-risk rates aren't universal. A speeding ticket might bump your premium 15% with one company but 40% with another. Testing multiple risk combinations reveals which Ohio insurers actually specialize in forgiving specific violations versus punishing all high-risk drivers equally. You need to know which company prices your particular situation most fairly.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
