Auto Insurance
BestAuto InsuranceAfter a DUI2022Getting Car Insurance After a DUI in Ohio: Everything You Need To Know
A DUI conviction can have far-reaching consequences — one is the loss of car insurance. While some insurers may be willing to continue your car insurance after a DUI, they almost certainly raise the rate. In Ohio, the average cost of full coverage without a DUI is $778 per year, whereas full coverage with a DUI averages $1,231 a year.
Advertising & Editorial DisclosureLast Updated: 11/3/2022
Written By |
Mark Fitzpatrick
MoneyGeek’s pick for the best company offering full and minimum coverage car insurance with a DUI in Ohio is Erie. Now, if you’re looking for the cheapest full coverage auto insurance with a DUI in Ohio, American Family is the way to go, while State Farm offers the cheapest minimum coverage.
BestAuto InsuranceAfter a DUI2022Best Companies for DUI Insurance in 2022
Best full coverage after a DUI - American Family
Except for Virginia and New Hampshire, every state requires car insurance, but drivers with DUIs may be legally denied coverage by insurance companies. And companies that do provide coverage after a DUI in Ohio charge more to drivers that have committed the traffic offense.
If you get a DUI in Ohio, the average annual auto insurance rate increase is 58.14%. Rates go up because insurers believe that DUI offenders are high-risk drivers, posing a high degree of danger on the roads and highways, and may cause more claim payouts. Plus, a DUI in Ohio is punishable by law and can lead to license suspension and jail time.
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Cheapest Car Insurance Companies in Ohio After a DUI
MoneyGeek found Progressive and State Farm are America's most affordable auto insurance providers with a DUI conviction. But in Ohio, drivers with a DUI find the lowest rates from American Family for full coverage and State Farm for minimum coverage.
Cheapest Companies for Full Coverage in Ohio After a DUI
You do pay more for full coverage auto insurance, whether you have a DUI or not in Ohio, because of the increased protection the policy offers.
On average, MoneyGeek found the cheapest car insurance companies for full coverage after a DUI in Ohio are:
- American Family: $690 per year
- State Farm: $743 per year
At $748 per year, USAA’s full coverage policy for high-risk DUI convicted drivers is among the least expensive, but it’s only available to eligible active and veteran military members and their families.
Cheapest Car Insurance for Full Coverage After a DUI
Scroll for more
- RankCompanyAnnual Premium
- 1American Family$690
- 2State Farm$743
- 3USAA$748
- 4Progressive$937
- 5Erie$950
Cheapest Companies for Minimum Coverage in Ohio After a DUI
To spend the least amount of money on car insurance after a DUI in Ohio, you can choose a minimum coverage policy. You won’t have much protection, but you satisfy the Ohio requirement for car insurance.
The most affordable companies, on average, for minimum coverage after a DUI in Ohio are:
- State Farm: $379 per year
- Erie: $442 per year
USAA tops the list of the cheapest companies in Ohio for minimum coverage with a DUI at around $357 annually. However, it only provides coverage to military members and their families.
Cheapest Car Insurance for Minimum Coverage After a DUI
Scroll for more
- CompanyMinimum Annual Premium
- $357
- $379
- $442
- $463
- $498
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Take note that even though minimum coverage is cheap, it ultimately may not cover all the costs of an at-fault accident. It has low liability limits, which means any costs that exceed these limits are your responsibility.
And there is no coverage for your vehicle with minimum coverage. Full coverage provides added protection with comprehensive and collision insurance, which protects your car.
Knowing how much car insurance you need is crucial if you don’t want to break the bank in an accident.
Top Car Insurance Companies in Ohio After a DUI
To save you time, energy and resources, MoneyGeek ranked the best car insurance companies for someone with a DUI in Ohio based on affordability, customer satisfaction, financial stability and many other factors. According to our data, the best company for full and minimum coverage in Ohio after a DUI is Erie.
Best Companies for Full Coverage in Ohio After a DUI
For DUI offenders, Erie and State Farm rank as the top full coverage auto insurance providers, according to our research. Check out the table below for a brief guide to each company's full coverage policy costs and offerings.
1
ErieBest full coverage after a DUI
Score:4.6
Erie offers a full coverage policy for non-DUI offenders in Ohio at around $618 per year. But DUI offenders pay around $950, a roughly 53.69% increase for a full coverage policy.
More About Erie
For DUI policyholders, Erie scored excellently for customer satisfaction and above-average in complaints, affordability and stability. With Erie, policyholders can get many discounts, such as pay-in-full, airbag and anti-theft system. There is also a unique add-on coverage available, better car replacement, but no gap insurance.
2
State Farm
Score:4.4
In Ohio, State Farm’s full coverage car insurance for someone with a DUI is around $743 annually. Meanwhile, with a clean driving record, drivers pay around $679 a year. There is a roughly 9.34% increase for DUI offenders.
More About State Farm
State Farm scored very high for affordability with a DUI and above-average for stability, claims and satisfaction. With State Farm, bundling an auto policy with another provides a big discount. Policyholders can also add rideshare insurance to their policy, but there are no unique add-on coverages available.
Best Companies for Minimum Coverage in Ohio After a DUI
Erie and State Farm rank as the top two companies in Ohio for minimum coverage car insurance with a DUI charge. You can compare their minimum coverage policy rates and details below.
Keep in mind that, although minimum coverage is very cheap, it does not fully protect you in an at-fault accident.
1
ErieBest minimum coverage after a DUI
Score:5
The average cost of Erie’s minimum coverage policy for Ohio drivers with a clean driving record is $274 annually. Those with a DUI could expect to pay around $442 annually, a more than 61% increase.
More About Erie
There are many factors that make Erie an excellent company to get insurance from with a DUI. It has a high customer satisfaction rating and is very affordable for DUI offenders. Plus, with Erie, there are many discounts available, such as bundling and multiple car. But, gap insurance is not an option.
2
State Farm
Score:4
State Farm’s minimum coverage for people without a DUI costs around $343 per year. Meanwhile, the minimum coverage car insurance for those with DUIs in Ohio averages $379 per year, a more than 10% increase.
More About State Farm
State Farm has a great reputation for affordable rates with a DUI and is above-average for customer service. With State Farm, you may get a discount for having airbags or an anti-theft device. You can’t add any unique coverages, but the company offers rideshare insurance.
How Much Does Car Insurance Cost in Ohio After a DUI?
In Ohio, the average cost of full coverage car insurance after a DUI is $1,231 per year. The annual premium jump averages 58.14% after a DUI conviction. Without a DUI, the cost of full coverage only runs around $778 a year — roughly $453 less.
Rates increase because insurance companies base their rates, in part, on how likely you are to get into an accident or file a claim. And with a DUI conviction, your risk potential is seen as increased, resulting in a higher premium.
The list below covers the changes you may see in car insurance rates after a DUI in Ohio.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$778
Average Cost with DUI
Full Coverage
$1,231Full coverage policy premiums after a DUI cost:$453 more
This is 58% more expensive.
A DUI charge has serious consequences and raises car insurance costs for becoming a high-risk driver.
To accurately estimate how much you can expect your car insurance to cost in Ohio with a DUI conviction, use MoneyGeek’s auto insurance calculator.
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The financial impact of a DUI can be devastating, with consequences that extend well beyond car insurance premium increases. You may have to pay for the following:
- Fines, court and attorney fees. Not only do you pay a hefty fine for a DUI, but you may need to cover the costs of court proceedings, bail and legal representation.
- Towing/impound fee. If your car is towed and impounded after a DUI, you need to pay a fee to reclaim your vehicle. It can vary by location and size of the car, as well as the costs associated with storing.
- Drug education and treatment. You may need to go through an alcohol or drug education program at your expense.
- DMV reinstatement fee. After a DUI license suspension, you need to pay a DMV reinstatement fee to have driving privileges again.
- Damages. If your DUI occurred with an accident, whether with another car or stationary object, you could be held responsible for any related costs.
Getting Car Insurance in Ohio After a DUI
It is true that many insurance companies decline to renew or even drop drivers who are convicted of a DUI. That is because these companies are private businesses, and they are legally entitled to decide who they will and will not cover.
Many people deal with the challenge of finding car insurance after a DUI in Ohio, as the six-year look-back period is long.
In Ohio or another state, it is important to shop around, compare quotes, and find the car insurance company that suits your needs. You may find that some companies are more willing than others to take on drivers with a DUI conviction.
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The SR-22 insurance requirement in Ohio helps ensure drivers convicted of a DUI maintain appropriate car insurance coverage. Your insurance company files the form with the DMV so you can regain driving privileges. Compared to a typical car insurance policy, SR-22 insurance tends to be more expensive, primarily due to the severity of the associated violation.
Ohio DUI Laws
Driving under the influence of alcohol or drugs is a serious offense that can have lasting legal consequences. If you are caught driving while impaired, you can expect to face stiff penalties, including a fine, license suspension and even jail time. MoneyGeek detailed Ohio DUI laws below to give you a crash course in what to expect.
Driving With a BAC at or Above 0.08% Is Considered a DUI
Blood alcohol concentration or BAC is the percentage of alcohol in your blood. In Ohio, it’s illegal to drive with a BAC of 0.08% or higher. But even if your BAC falls below the illegal limit, you can still be arrested for driving when noticeably impaired.
Driving With a BAC of 0.17% Will Result in Increased Penalties
If you are driving with a BAC of 0.17% or above, you can expect to receive harsh or aggravated penalties, depending on the particular circumstances of your case.
- With a first aggravated offense, the driver must serve three days in jail and attend a three-day driver's intervention program.
- If charged with a second aggravated DUI offense, you face at least 20 days in jail or 10 days in jail and 36 days on house arrest with alcohol monitoring under the Community Control Sanction program.
- A third-aggravated offense conviction results in the driver serving 60 days in jail or 30 days in jail and 110 days on house arrest with alcohol monitoring under the Community Control Sanction program.
90-Day Administrative License Suspension on First Offense
If you drive in Ohio with a BAC of 0.08% or above, your license is automatically revoked for 90 days.
Limited Driving Privileges Waiting Period of 15 Days After First Offense
If convicted of a DUI in Ohio, you may have to wait 15 days after your first offense before requesting limited driving privileges
Ignition Interlock Device Is Mandatory for Repeat Offenders
In Ohio, an ignition interlock is mandatory for drivers convicted of a DUI more than once.
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Frequently Asked Questions
To help you understand how a DUI can impact your auto insurance in Ohio, and the cost you may pay afterward for a policy, MoneyGeek compiled answers to some frequently asked questions.
Methodology
To determine the top companies for individuals with DUIs in Ohio, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About the Author
sources
- Forbes. "How Much Do Car Insurance Rates Go Up After A DUI?." Accessed April 26, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed May 25, 2022.
- Nolo. "Ohio Drunk Driving Laws and Penalties." Accessed May 25, 2022.