Cheap car insurance for drivers with prior incidents
Insurers calculate your rates by measuring the risk you pose as a driver and the likelihood that you ‘ll file a claim. Drivers with incidents on their record — such as an at-fault accident or a DUI ( driving under the influence ) quotation — are believed to pose a greater gamble and consequently pay higher insurance rates. Your accredit mark besides factors into your risk profile, flush though it has nothing to do with your ability to drive safely .
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Cheapest car insurance after a speeding ticket: State Farm
If you are an Ohio driver with a speeding tag on your record, we recommend State Farm for full coverage policy. Its annual rate is $ 859 — more than $ 700 cheaper than the submit average .
Speeding tickets raise the average monetary value of car insurance in Ohio from $ 1,378 to $ 1,574, an increase of about 14 % .
|
Company |
Annual rate |
Monthly rate |
|---|---|---|
| State Farm | $859 | $72 |
| Geico | $1,168 | $97 |
| Erie | $1,384 | $115 |
| Westfield | $1,420 | $118 |
| Nationwide | $1,684 | $140 |
| Grange | $1,814 | $151 |
| Progressive | $1,949 | $162 |
| Allstate | $2,316 | $193 |
Cheapest car insurance after an accident: State Farm
State Farm besides offers the cheapest car insurance quotes for drivers in Ohio with an at-fault accident on their drive commemorate. At $ 932 per class for a full coverage policy, its rate is 52 % less than the state average and over $ 600 cheaper than the next-best option, Westfield .
The most expensive insurance company in our study is Allstate at $ 3,003, more than triple the cost of a policy with State Farm. Such a big remainder in costs far highlights the importance of comparing multiple cable car policy quotes .
|
Company |
Annual rate |
Monthly rate |
|---|---|---|
| State Farm | $932 | $78 |
| Westfield | $1,543 | $129 |
| Geico | $1,718 | $143 |
| Erie | $1,719 | $143 |
| Nationwide | $2,025 | $169 |
| Progressive | $2,297 | $191 |
| Grange | $2,412 | $201 |
| Allstate | $3,003 | $250 |
barely one accident on your drive record can result in well more expensive car policy rates. In Ohio, rates increase by 42 % after a single accident — $ 579 per year on median .
Cheapest car insurance after a DUI: Progressive
Progressive has the cheapest car insurance rates for Ohio drivers who have a DUI quotation on their record. The party raises rates by 13 % after a DUI at $ 1,753 per year for a fully coverage policy. In comparison, we found that insurers in Ohio increase rates by 66 % after a DUI, on modal .
|
Company |
Annual rate |
Monthly rate |
|---|---|---|
| Progressive | $1,753 | $146 |
| State Farm | $1,792 | $149 |
| Geico | $1,984 | $165 |
| Erie | $2,054 | $171 |
| Grange | $2,307 | $192 |
| Allstate | $2,570 | $214 |
| Nationwide | $2,610 | $218 |
| Westfield | $3,266 | $272 |
Cheapest car insurance for drivers with poor credit: Geico
Drivers with bad credit should consider Geico for low-cost car insurance in Ohio. The average rate from Geico is $ 1,257 per year for a wide coverage policy, which is $ 281 lower than the rate from next-cheapest insurance company, State Farm, and $ 819 lower than the department of state average .
|
Company |
Annual rate |
Monthly rate |
|---|---|---|
| Geico | $1,257 | $105 |
| State Farm | $1,538 | $128 |
| Nationwide | $1,686 | $140 |
| Westfield | $1,927 | $161 |
| Grange | $2,143 | $179 |
| Progressive | $2,373 | $198 |
| Allstate | $2,659 | $222 |
| Erie | $3,023 | $252 |
Your credit score does not affect your driving ability, but it does affect your car indemnity rates in Ohio. Statistics show that drivers with poor citation are more probably to make an insurance claim, making them a higher risk for insurers. Full coverage car policy rates in Ohio average $ 2,076 per year for drivers with poor credit, which is $ 698 more expensive than insurance for drivers with average credit scores .