One of the more important things that help determine the price you pay for insurance is your address. Regions with more people or even just more weather-related claims tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.
The information below lists the priciest cities in Ohio for drivers with a DUI to buy auto insurance in. Columbus makes the list at #5 with the yearly price of $1,211 for the average policyholder, which is about $101 monthly.
|Rank||City||Premium Per Year|
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Rate information is approximated as the vehicle garaging location can modify rates greatly.
The car, truck, or SUV you are insuring is one of the primary factors when quoting low-cost coverage for drivers with a DUI. Vehicles with lower performance, a great safety record, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models. The information below ranks auto insurance costs for a selection of the most affordable automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$1,912|
|Jeep Wrangler Sport 4WD 2-Dr||$1,925|
|Ford Escape XLS 4WD||$2,000|
|Ford F-150 XL Regular Cab 4WD||$2,091|
|Chevrolet Impala LS||$2,174|
|Chevrolet Malibu LS||$2,215|
|Ford Explorer Eddie Bauer 2WD||$2,233|
|Dodge Grand Caravan Crew||$2,256|
|Hyundai Elantra Blue 4-Dr Sedan||$2,298|
|Ford Edge Limited 2WD||$2,318|
|Toyota Tacoma Double Cab 4WD||$2,365|
|Toyota RAV4 Sport 4WD||$2,373|
|Nissan Rogue S AWD||$2,373|
|Chevrolet Equinox LS AWD||$2,416|
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Cost estimates assume single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in your specific Columbus, OH location which can raise or lower auto insurance rates greatly.
By looking at the data, cars like the Honda CR-V, Jeep Wrangler, Ford Escape, and Toyota Prius will definitely be the cheaper vehicles to insure after getting a DUI. Rates will be higher anyway because there is more claim risk for drivers with a DUI, but in general those makes and models will tend to have the cheapest auto insurance rates available.
Establishing which company offers the lowest-priced car insurance rates for drivers with a DUI may require more time in order to find the best price. Each company uses a little different formula to set their prices, so let’s rank the car insurance companies that tend to have lower prices in Ohio.
It’s a good idea to be aware that Columbus, OH car insurance rates are determined by lots of factors which can substantially change the policy price. Simply having another birthday, buying another vehicle, or having an at-fault accident can cause premium changes resulting in some companies being more affordable than others.
Lowest Insurance Price Quotes after a DUI
|Rank||Company||Cost Per Year|
|7||Merchants Insurance Group||$771|
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Utica National may offer some of the cheapest car insurance rates in Columbus at around $654 each year. Allied, Frankenmuth, Erie, and Travelers are also some of the most economical Columbus, OH auto insurance companies.
In the above example, if you have coverage with Erie and switched to Utica National, you may realize annual savings of about $33. Policyholders with Travelers could save as much as $72 a year, and USAA customers might reduce prices by as much as $79 a year.
To see if you’re overpaying, click here to begin a quote or click several companies below for low rates.
Bear in mind that those policy prices are averaged for all drivers and vehicles in Ohio and and are not calculated with a specific location for drivers with a DUI. So the insurer that has the cheapest price for you may not even be in the list above. That’s why you need to compare as many prices as possible using your own individual information.
Cost of full coverage
Reducing premiums for car insurance is important to the majority of people, and an effective way to find cheaper insurance for drivers with a DUI is to buy only liability coverage. The illustration below compares auto insurance rates when comparing full coverage to liability only. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.
On average, full coverage costs an extra $1,308 per year over having just liability coverage. At some point, almost every driver questions if it’s a good idea to buy full coverage. There is no set rule to drop full coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s say your vehicle’s replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying your policy deductible. If premium cost is more than $500 annually for your policy with full coverage, then you might consider buying liability only.
There are some circumstances where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
Get discount Columbus auto insurance rates
Insurers that offer coverage for drivers with a DUI may also give you discounts that could reduce prices by 25% or more if you qualify. A list of companies and their possible discounts are detailed below.
- Progressive may offer discounts for multi-vehicle, homeowner, good student, continuous coverage, online quote discount, multi-policy, and online signing.
- The Hartford offers discounts for bundle, anti-theft, vehicle fuel type, defensive driver, driver training, air bag, and good student.
- Mercury Insurance has savings for good driver, accident-free, location of vehicle, low natural disaster claims, type of vehicle, and ease of repair.
- GEICO discounts include seat belt use, five-year accident-free, multi-policy, defensive driver, and military active duty.
- AAA offers premium reductions for multi-car, multi-policy, anti-theft, good student, AAA membership discount, education and occupation, and pay-in-full.
- State Farm offers discounts including good driver, student away at school, anti-theft, Drive Safe & Save, and multiple policy.
The chart below compares insurance premiums with and without policy discounts. The costs are based on a male driver, one traffic citation and no accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paid-in-full, vehicle safety, paperless filing, marriage, multiple policy, and passive restraint discounts applied. When discounts are factored in, the average savings per year on car insurance for drivers with a DUI is 28% or $372.
Rate increases following a ticket or accident
The easiest method to snag the best car insurance premiums after getting a DUI is to be a cautious driver and not get tickets or have accidents. The diagram below shows how traffic citations and accidents influence auto insurance rates for different age categories. The prices are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of car insurance in Ohio per year with no violations or accidents is $741. Get two speeding tickets and the average cost hikes up to $1,041, an increase of $300 each year. Then throw in one accident along with the two speeding tickets and the annual cost of car insurance for drivers with a DUI increases to an average of $1,346. That’s an increase of $605, or $50 per month, just for not driving safely!