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What Happens to Your Car Insurance After a DUI in Ohio

Ohio requires 25/50/25 liability coverage and is an at-fault state.

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Ohio at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Ohio

When you receive a DUI conviction or serious violation in Ohio, your current insurance carrier will typically issue a non-renewal notice — meaning your policy ends at the current term without option to renew. This is different from immediate cancellation and gives you 30-60 days to find replacement coverage. Ohio requires most high-risk drivers to maintain SR-22 certification, which proves to the BMV that you carry continuous liability coverage at state minimums. Failure to maintain this certification results in immediate license suspension.

SR-22 Certificate

SR-22 is not a type of insurance — it is a certificate your insurer files with the Ohio BMV proving you carry the required minimum liability coverage. Not all carriers offer SR-22 filing, which is why most drivers move to a non-standard carrier after a violation.

Liability Insurance

These are the floor — if you have a loan or lease, your lender will require higher limits and comprehensive/collision coverage. Many high-risk drivers carry only state minimums to reduce premium cost during the SR-22 period.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record. These carriers charge higher premiums to offset the statistical risk but will accept profiles that standard carriers decline. Most Ohio drivers with SR-22 requirements obtain coverage through the non-standard market.

High-Risk Auto Insurance

High-risk auto insurance is the umbrella term for policies issued to drivers with violations, DUIs, or poor driving records. Rates begin to decrease after 3 years if no additional violations occur and SR-22 filing is maintained without lapse.

Comprehensive and Collision Coverage

Comprehensive and collision coverage are optional in Ohio unless you have a vehicle loan or lease. Many high-risk drivers drop these coverages during the SR-22 period to lower premiums, but this leaves you financially exposed if your vehicle is damaged or totaled. If you carry full coverage, expect the comprehensive and collision portions to increase proportionally with your liability premium.

What Drivers Pay in Ohio

$182–$192/mo

Typical monthly rate in Ohio, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Violation type — DUI convictions carry the highest surcharge, followed by reckless operation and repeat offenses
  • Prior driving history — a clean record before the violation results in lower increases than multiple prior violations
  • Time since violation — rates decrease gradually after 3 years of continuous coverage without new incidents
  • Location within Ohio — urban areas like Cleveland, Columbus, and Cincinnati have higher base rates due to claim frequency
  • Carrier availability — Ohio has fewer non-standard carriers in rural counties, reducing competition and increasing cost
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, violations, or suspensions on their record. High-risk policies accept profiles that standard carriers decline but charge higher premiums to offset statistical risk.

Non-Standard Auto Insurance

Policies sold by carriers that specialize in drivers who cannot obtain standard market coverage due to violations, lapses, or poor driving records. Most Ohio SR-22 drivers obtain coverage through non-standard carriers.

SR-22 Insurance

Not a separate insurance type — SR-22 is a certificate filed by your carrier proving you maintain required coverage. The filing itself costs $25-$50/year, but you must carry it continuously for the full mandated period or face license suspension.

Liability Insurance

Coverage that pays for injuries and property damage you cause to others in an accident. Ohio requires minimum limits of 25/50/25, but many high-risk drivers carry higher limits to protect assets from liability claims.

Find Your City in Ohio

Columbus

urban

Cleveland

urban

Cincinnati

urban

Toledo

urban

Akron

urban

Dayton

urban

Parma

suburban

Canton

suburban

Lorain

suburban

Hamilton

suburban

Youngstown

urban

Springfield

suburban