Car Insurance After a DUI in Ohio: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Ohio increases car insurance rates by an average of 67%, raising a typical full coverage policy from $1,356/year to $2,265/year. That's an increase of $909/year ($76/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Ohio
Before DUI
$113/mo
$1,356/year full coverage
After DUI (+67%)
$189/mo
$2,265/year full coverage
Cheapest Companies After DUI in Ohio
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $140/mo | $1,676/yr | Military families |
| Erie Insurance | $149/mo | $1,789/yr | Rate lock guarantee |
| GEICO | $155/mo | $1,857/yr | Clean driving record |
| Progressive | $166/mo | $1,993/yr | Telematics savings |
| State Farm | $172/mo | $2,061/yr | Good students |
| Travelers | $179/mo | $2,152/yr | Multiple discounts |
| Nationwide | $196/mo | $2,356/yr | Bundling home + auto |
| Farmers | $204/mo | $2,446/yr | Signal telematics |
| Allstate | $211/mo | $2,537/yr | Accident forgiveness |
| Liberty Mutual | $223/mo | $2,673/yr | New car replacement |
USAACheapest
Monthly
$140/mo
Annual
$1,676/yr
Best for: Military families
Erie Insurance
Monthly
$149/mo
Annual
$1,789/yr
Best for: Rate lock guarantee
GEICO
Monthly
$155/mo
Annual
$1,857/yr
Best for: Clean driving record
Progressive
Monthly
$166/mo
Annual
$1,993/yr
Best for: Telematics savings
State Farm
Monthly
$172/mo
Annual
$2,061/yr
Best for: Good students
Travelers
Monthly
$179/mo
Annual
$2,152/yr
Best for: Multiple discounts
Nationwide
Monthly
$196/mo
Annual
$2,356/yr
Best for: Bundling home + auto
Farmers
Monthly
$204/mo
Annual
$2,446/yr
Best for: Signal telematics
Allstate
Monthly
$211/mo
Annual
$2,537/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$223/mo
Annual
$2,673/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Ohio, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Ohio
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Ohio
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Ohio
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $189/mo | +67% |
| Year 1 | $181/mo | +60% |
| Year 2 | $170/mo | +50% |
| Year 3 | $151/mo | +34% |
| Year 5 | $128/mo | +13% |
| Year 7 | $113/mo | Normal |