Finding reasonably-priced insurance is easier said than done, and determining which company quotes the cheapest car insurance rates for drivers with a DUI requires additional perseverance. Every insurance company uses a different method for filing rates in each state, so let’s take a look at the car insurance companies with the overall cheapest rates in Ohio.
It’s important to understand that Ohio car insurance rates are based on many factors which can substantially change the policy price. Events like turning one year older, buying a different home, or having an accident may cause policy rate changes that can now make some companies less affordable than competitors.
Compare Cheap Insurance Quotes after a DUI
Utica National offers some of the most affordable car insurance rates in Cleveland at around $654 annually. This is $386 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and USAA would also make the list of some of the most economical Cleveland, OH auto insurance companies.
In the above rates, if you have coverage with Allied and switched to Erie, you might realize annual savings of about $10. Ohio drivers with USAA could save as much as $24 a year, and Travelers customers might lower prices by $46 a year.
To see how much you can save, click here to start your free quote or click through to the companies below.
Be aware that those estimates are averages for all types of insureds and vehicles and and are not figured with an exact location for drivers with a DUI. So the car insurance company that has the lowest price for you may not even be in the top 33 companies in the list above. That emphasizes why you need to get auto insurance quotes using your own individual information.
One of the more important criteria that aid in calculating car insurance rates is where you live in Cleveland. Cities with more crime and/or more people tend to have higher rates, whereas less populated areas benefit from having to pay less for coverage.
The information below lists the most expensive places in Ohio for drivers with a DUI to buy an auto insurance policy in. Cleveland comes in at #3 costing $1,272 for the average policyholder, which is approximately $106 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Youngstown | $1,285 |
| 2 | Toledo | $1,279 |
| 3 | Cleveland | $1,272 |
| 4 | Columbus | $1,247 |
| 5 | Cincinnati | $1,222 |
| 6 | Euclid | $1,175 |
| 7 | Cleveland Heights | $1,166 |
| 8 | Akron | $1,157 |
| 9 | Hamilton | $1,146 |
| 10 | Dayton | $1,120 |
| 11 | Springfield | $1,105 |
| 12 | Fairfield | $1,095 |
| 13 | Newark | $1,095 |
| 14 | Lakewood | $1,073 |
| 15 | Canton | $1,058 |
| 16 | Middletown | $1,035 |
| 17 | Strongsville | $1,031 |
| 18 | Cuyahoga Falls | $1,027 |
| 19 | Mansfield | $1,022 |
| 20 | Kettering | $1,020 |
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Price information shown is comparative as the garaging address in Cleveland can influence rates significantly.
The make and model of vehicle needing coverage is one of the main factors when looking for the most economical car insurance for drivers with a DUI. Vehicles with limited speed and performance, modern passenger safety features, or low incidents of liability claims will cost much less to insure than high performance models. The list below showcases auto insurance rates for a handful of the cheapest automobiles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,699 |
| Honda Accord LX-P 4-Dr Sedan | $1,831 |
| Ford Escape Limited 2WD | $1,842 |
| Ford F-150 XL Super Cab 2WD | $1,860 |
| Dodge Grand Caravan CV | $1,899 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $2,000 |
| Toyota Prius | $2,047 |
| Honda Odyssey EX-L W/Navigation | $2,120 |
| Toyota Camry XLE | $2,125 |
| Ford Edge Limited 2WD | $2,123 |
| Chevrolet Impala LT | $2,128 |
| Nissan Rogue S AWD | $2,151 |
| Ford Fusion SE 4-Dr Sedan | $2,159 |
| Chevrolet Equinox LTZ AWD | $2,169 |
| Volkswagen Jetta SEL 4-Dr Sedan | $2,159 |
| Chevrolet Silverado LT Crew Cab 4WD | $2,164 |
| GMC Sierra SLE Extended Cab 4WD | $2,159 |
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Table data represents married male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in specific garaging location which can lower or raise insurance rates noticeably.
By looking at the data, cars like the Honda CR-V, Honda Accord, Ford Escape, Ford F-150, and Dodge Grand Caravan should be some of the cheaper vehicles to insure after getting a DUI. Car insurance rates will be more expensive because of the fact that there is more liability exposure for drivers with a DUI, but generally speaking those particular models will probably have the cheapest rates that you are likely to find.
Safe drivers pay less for car insurance
One of the best ways to obtain the most affordable car insurance prices in Ohio after getting a DUI is to be a careful driver and avoid accidents and traffic violations. The chart below shows how speeding tickets and at-fault claims raise insurance costs for different age groups. The data is based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of auto insurance in Ohio per year with no violations or accidents is $1,013. Factor in one speeding ticket and the average cost rises to $1,175, an increase of $163 each year. Then add one accident along with the one speeding ticket and the yearly cost of car insurance for drivers with a DUI jumps again to an average of $1,639. That’s an increase of $626, or $52 per month, just for not driving carefully!
Get discounts on Cleveland auto insurance
Insurance companies that provide coverage for drivers with a DUI could also offer premium discounts that can lower rates by 30% or more if you meet specific eligibility requirements. Large car insurance companies and some of the discounts are outlined below.
- Progressive may have discounts that include multi-policy, good student, online signing, continuous coverage, multi-vehicle, homeowner, and online quote discount.
- SAFECO has discounts for teen safety rewards, teen safe driver, anti-lock brakes, multi-car, and safe driver.
- American Family has savings for Steer into Savings, TimeAway discount, accident-free, air bags, good student, defensive driver, and early bird.
- MetLife offers discounts including accident-free, good student, multi-policy, claim-free, defensive driver, and good driver.
- GEICO offers premium reductions for seat belt use, multi-vehicle, emergency military deployment, driver training, multi-policy, anti-theft, and daytime running lights.
- The Hartford policyholders can earn discounts including driver training, vehicle fuel type, good student, anti-theft, bundle, and defensive driver.
The chart below illustrates the comparison of insurance prices with and without discounts applied to the premium. The rates are based on a female driver, three traffic citations and no accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, marriage, anti-theft, homeowner, vehicle safety, and passive restraint discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for drivers with a DUI is 28% or $715.
The information below illustrates how your choice of deductibles can impact insurance prices when researching cheap insurance for drivers with a DUI. The price estimates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
As shown above, a 40-year-old driver could save $156 a year by switching from a $100 deductible to a $500 deductible, or save $234 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old, have the ability to save up to $384 or even more by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it will now be necessary to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Don’t make the mistake of not shopping around
Ohio car insurance rates are impacted by many things that control the cost of a policy. Getting older, having a claim, or getting a speeding ticket can trigger price changes that can now make some companies cheaper in comparison to the competition. Not only may your risk profile change, but car insurance companies file new Ohio auto insurance rates without warning to reflect underwriting profits or losses. Heavy losses may result in more expensive premiums, while better underwriting can result in more affordable Cleveland car insurance rates.
For instance, the graph below shows the company with the cheapest car insurance in Cleveland, OH for a 30-year-old female driver with a good driving record, no prior claims, and a decent credit rating. If we look at prices based on her personal profile, Utica National has the cheapest car insurance rates in Cleveland at $825 a year. This is $215 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also make the list of the most affordable Cleveland, OH auto insurance companies.
Now we will give the driver in the first example an accident claim, bad credit, and a few traffic violations. Because each company has a proprietary method for establishing rates, comparing insurance quotes most likely will result in a different list of affordable companies as shown below.
Cincinnati Insurance now has the cheapest price in Cleveland with Merchants Insurance Group, General Casualty, Grange Mutual, and Motorists Mutual also having competitive pricing. This illustrates why it is critical to shop around when trying to get the most budget-friendly insurance rates for drivers with a DUI. Insurance prices can be determined by many things and can change without notice, so the best option six months ago may now be one of the more expensive options.