Wouldn’t it be nice if we could just tell you one specific company that has the lowest rates for drivers with a DUI? It’s just not that simple, as there are many unknowns such as if you own or rent your home, if you have ever let your coverage lapse, and what deductibles to use for physical damage coverage, that all impact the cost of coverage. We know insurance is not everyone’s favorite topic, but in this article we will cover these topics and educate you enough to have a good start in finding the cheapest insurance in Cincinnati.
After getting a DUI, one of the more important components that are used to help calculate the amount you pay for auto insurance is where your car is garaged in Cincinnati. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.
The following table lists the most costly cities in Ohio for drivers with a DUI to buy car insurance in. Cincinnati ranks #5 having an annual price of $1,186 for car insurance, which is around $99 each month.
|Rank||City||Premium Per Year|
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Information shown are comparative as the specific area where the vehicle is garaged can decrease or increase auto insurance rates substantially.
The car, truck, or SUV you are seeking coverage for is one of the biggest factors that determines the availability of cheap car insurance for drivers with a DUI. Vehicles with high performance features, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer models.
The table below shows car insurance premiums for a number of the most affordable vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,807|
|Honda CR-V EX-L 4WD||$1,848|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,856|
|Toyota Tacoma 4WD||$1,893|
|Ford Escape Limited 2WD||$1,895|
|Toyota Camry LE||$2,006|
|Ford F-150 XLT Super Cab 4WD||$2,062|
|Honda Civic LX 4-Dr Sedan||$2,079|
|Ford F-350 XL Super Cab 2WD||$2,082|
|Chevrolet Impala LS||$2,099|
|Hyundai Elantra GLS 4-Dr Sedan||$2,116|
|Toyota RAV4 4WD||$2,141|
|GMC Sierra SLE Crew Cab 2WD||$2,151|
|Volkswagen Jetta LE 4-Dr Sedan||$2,141|
|Chevrolet Equinox LS AWD||$2,149|
|Ford Focus S 4-Dr Sedan||$2,143|
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Prices based on single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in vehicle garaging location which can decrease or increase coverage prices noticeably.
Based on these rates, makes and models like the Honda Accord, Honda CR-V, and Jeep Wrangler should be a few of the more affordable vehicles to insure after getting a DUI. The price for car insurance will tend to be more expensive just because there is more inherent risk for drivers with a DUI, but overall those models will tend to have the cheapest car insurance rates possible.
Finding out which company offers the best car insurance rates for drivers with a DUI calls for more work in order to find the best price.
Each company has a different formula to determine premium rates, so let’s look at the rankings for the car insurance companies with the overall cheapest rates in Cincinnati. It’s important to know that Cincinnati car insurance rates are impacted by many factors that can increase the cost of having a policy. Getting older, having a teen driver, or getting a few speeding tickets can produce rate changes that can cause some rates to be more affordable than others.
Find Cheaper Car Insurance after a DUI
Utica National offers some of the best car insurance rates in Cincinnati at around $628 each year. Frankenmuth, Erie, Allied, and Travelers also qualify as some of the cheaper Cincinnati, OH insurance companies.
As illustrated above, if you currently have coverage with Erie and switched to Utica National, you may realize a yearly price reduction of roughly $59. Drivers with Allied might save as much as $69 a year, and Travelers insureds might cut rates by $105 a year.
These policy prices are averages for all types of insureds and vehicles and do not take into consideration a specific zip code for drivers with a DUI. So the insurer that fits your situation best may not even be in the top 33 companies in the list above. That affirms the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.
Comparison of full coverage and liability-only policies
Reducing the cost of car insurance should be important to most people, and one easy way to buy cheap insurance for drivers with a DUI is to buy only liability coverage. The illustration below shows the difference between insurance costs when comparing full coverage to liability only. The data assumes no accidents or driving violations, $250 deductibles, single marital status, and no discounts are taken into consideration.
If all age groups are averaged, physical damage coverage on your policy costs $1,200 per year over liability only. Many drivers may wonder when is the right time to remove full coverage. There is no definitive guideline to stop paying for full coverage, but there is a general convention. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
There are a few situations where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Finding the best car insurance company can be challenging considering how many different companies sell coverage in Ohio. The company ratings in the lists below can help you analyze which coverage providers to look at when insurance shopping for drivers with a DUI.
The rankings below are only made up of companies with a national presence, so companies that only write business in Ohio or surrounding areas are not included in this list. If you wish to compare rates and find cheaper insurance for drivers with a DUI, click this link.
Top 10 Large Car Insurance Companies Overall in Cincinnati
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
The importance of comparing Cincinnati car insurance rates
Ohio car insurance rates are impacted by many things that will increase or decrease the price you pay for coverage. Getting older, buying a different vehicle, or getting a few speeding tickets may cause policy rate changes resulting in some companies being more affordable than the competition.
In addition to those changes, auto insurance companies change their prices as often as every quarter to adjust for heavy claims or excess profits. An unexpected high level of claims can cause a rate increase, while a better loss history can produce lower-cost Cincinnati car insurance rates.
As an example, the data below shows which company has the cheapest car insurance in Cincinnati, OH for a 30-year-old female driver with a clean driving record, no accidents, and a good credit history. When comparing rates based on her personal profile, Utica National might offer the cheapest car insurance rates in Cincinnati at $804 per year. This is $236 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers round out the rest of the cheapest Cincinnati, OH auto insurance companies.
The example below compares rates after we give the driver in the first chart an at-fault accident, less-than-perfect credit, and a traffic citation. Due to the fact that each insurance company has their own guidelines to determining premium rates, analyzing rate quotes will most likely result in a completely different list of companies as shown below.
Merchants Insurance Group now has the best insurance rate in Cincinnati, OH with Cincinnati Insurance, Grange Mutual, Motorists Mutual, and General Casualty also having competitive pricing. This illustrates why drivers need to perform a complete rate comparison to get affordable auto insurance quotes for drivers with a DUI.
Insurance rates consist of many factors and can increase or decrease at any time, so the most economical option the last time you checked may now be quite expensive.
How to find economical insurance for drivers with a DUI
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help Ohio drivers get cheap auto insurance.
- Save money by bundling your home and auto policies
- Drive safely
- Vehicles with good safety ratings have lower liability rates
- Pay for small claims rather than turning them in to your insurance company
- Avoid at-fault accidents and claims
- Shop around for lower rates once a year
That last idea is extraordinarily critical, as was affirmed in the article above. Car insurance rates in Cincinnati can change significantly in a year, so don’t be unwilling to change to a new company if a better rate can be found. We understand brand loyalty, but it’s not a good idea if that loyalty results in overpaying thousands of dollars over several years. In less than five minutes you could compare rates and find cheaper auto insurance for drivers with a DUI.
The agents shown below are a good start to provide answers to your questions and help you determine which auto insurance policy fits you best, since some people have coverage questions and would like to get some professional input when buying car insurance for drivers with a DUI. It’s not always easy to find the best rates on your own, and getting professional guidance from a licensed agent can provide comfort knowing you have enough coverage if you have a claim. To find an agent in your neighborhood, click the link after the list.
Dabbelt Insurance LLC
5932 Glenway Ave – Cincinnati, OH 45238 – (513) 451-8050
Farmers Insurance – Shellie Burke
4734 Vine St – Cincinnati, OH 45217 – (513) 242-2777
Scott Clark – State Farm Insurance Agent
3011 W Galbraith Road – Cincinnati, OH 45239 – (513) 931-9292