Updated: May 20, 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 typically have a shorter effect, around three to five years. Each insurance provider has its own policy on how long they consider past violations, so it can differ.
Navigating car insurance with a high-risk profile can be challenging. Our guide helps you understand what makes you a high-risk driver, how to find affordable insurance, and what to do if most insurers deny you coverage.
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
Below, you'll find key tips to save money and choose the best provider for high-risk car insurance in the Buckeye State.
To avoid being influenced by popular opinions or persuasive agents, determine your car insurance needs prior to comparing companies. Consider exploring add-ons like rideshare coverage and roadside assistance. Utilize our car insurance coverage calculator to find out how much auto insurance you need.
By understanding the average costs for your profile and available discounts, you can better evaluate deals and identify which providers to prioritize. Consider enrolling in certified defensive driving courses, which can save you up to 10% on premiums. At-fault accidents and moving violations may increase rates for drivers.
Exploring pay-per-mile and other usage-based car insurance programs can offer savings for safe drivers with low mileage. For instance, Geico provides a telematics program that tracks driving habits and potentially reduces auto policy costs by up to 30%.
After evaluating your options, compare three or more providers to understand what insurers offer. Use various methods such as independent brokers and online comparison sites, as rates for the same company can vary. Ensure that comparisons are consistent to accurately assess how auto insurance providers measure up.
Car insurance companies can choose not to offer you a policy if they think you're too risky. But don't worry, you can still get a plan through the Automobile Insurance Plan Service Office (AIPSO) if this happens.
Below, we've provided contact information if you want to start the process.
Monday–Friday, 8:15 a.m.–4:30 p.m. ET
oaip@ohioinsurance.org
(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.
MoneyGeek calculated average rates using full coverage car insurance policies with 250/500/200 liability insurance and comprehensive and collision coverage with a $500 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI. We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
