One of the most important factors considered when determining annual auto insurance premiums is your driving record. The cleaner your driving record, the more likely you are to get a more affordable premium. Ohio is generally cheaper for car insurance, with the average annual cost of a fully covered car lower than the national average. however, this may not be the same after a speeding ticket. According to Bankrate’s 2021 study of quoted annual premiums, a speeding ticket in Ohio increased the average cost of auto insurance in Ohio by 32%.
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Speeding is a misdemeanor in Ohio and carries penalties that can increase the cost of higher insurance rates. Unless otherwise posted, a driver is violating the Ohio speed limit if they exceed 55 miles per hour on most highways and 65 miles per hour on most expressways. With a speeding ticket on your driving record, your auto insurance costs are likely to rise and stay high for at least the next few years.
how much is a speeding ticket in ohio?
When you’re pulled over for speeding in Ohio, your penalties will depend on the type of violation. a repeat offender will face stricter penalties compared to a first time offender with no prior fines. Penalties for speeding in Ohio may include the following:
- maximum fine of $150 for first and second offenses
- maximum fine of $250 and/or up to 30 days in jail for a third offense
- up to $500 in fines and up to 60 days in jail for the fourth and subsequent offenses
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
in ohio, insurance points are also added to the driving record for speeding ticket convictions. Also called demerit points, these are accumulated by a motorist after repeated traffic violations. Too many points on your record can make it very difficult to get affordable car insurance and can also result in license suspension, depending on the situation.
how much does a speeding ticket increase on your car insurance in ohio?
in ohio, auto insurance rates increase by about 32% when a speeding ticket is listed on your driving record. even a minor violation with no history of prior violations could make you considered high risk to insure, leading to higher premiums. the younger you are, the greater the increase in your annual premiums as well. Drivers under the age of 25 can sometimes expect to pay 50% more than the original cost of insurance after a speeding ticket because statistics indicate that young drivers are more prone to accidents. it’s the same with male drivers, who statistically cause more accidents than female drivers and consequently can be charged more after a speeding ticket.
after a speeding ticket in ohio, the cost of full coverage auto insurance increases 32% on average, while the average increase for female drivers with a speeding ticket is slightly less, 31%. The rates below reflect the quoted annual premiums from Quadrant Information Services and, while useful for comparison purposes, do not reflect what your Ohio auto insurance rates will be.
average annual premium for full coverage
Your premium after a speeding ticket is factored in would depend on risk factors associated with your life circumstances, age, driving record and other aspects unique to each driver. While these may be the average rates after you factor in an Ohio speeding ticket, there are still things you can do to get cheaper auto insurance.
how to reduce your car insurance after a speeding ticket in ohio
While you may not be able to prevent your insurance cost from rising after a speeding ticket, there are ways to save on premiums or lower the cost of your auto insurance. Depending on your situation, some of the following strategies may be effective for you.
get quotes from other auto insurance companies
Although annual premiums may be higher for drivers in Ohio with a speeding ticket, some providers may be cheaper than others, depending on the percentage increase and other factors. If your current rates are not affordable, comparing quotes from other providers can result in a savings opportunity, as noted in the table below.
average annual premium for full coverage by auto insurance company in ohio
Keep in mind that price isn’t the only factor to consider when choosing an insurance provider. customer reviews, third-party ratings, coverage options, and financial stability are some of the other things to check when choosing the best auto insurance company in ohio.
raise your deductible
If the amount you have to pay out-of-pocket when filing a claim is more than the standard deductible amount, your annual premiums will likely be lower. This strategy can help you save on the cost of car insurance for monthly or yearly costs, but it means you’re taking on a greater degree of financial risk in the event of an accident. It’s important to be prepared to pay the deductible, if you need to file a claim.
change your coverage
You may also consider switching to a pay-per-mile program if you have few annual miles to help with savings. Combining your auto insurance with another policy from the same carrier could also save you a few hundred dollars a year. Another option for some drivers is to consider ditching coverage options you don’t need, including comprehensive and collision coverages, or other fancy add-ons for your vehicle. however, it may be best to check with your insurer if omitting these coverages would leave you at a higher level of financial risk.
other considerations about speeding tickets
A speeding ticket generally stays on your driving record for up to three years. In addition to an increased insurance rate after a speeding ticket, you could also lose any safe driver discounts you previously benefited from. after three years, or for as long as your speeding ticket remains on your record, your insurance rates may gradually drop, as long as you have no other incidents on your record.
in ohio, if you are accused of speeding on a prima facie basis (as opposed to outright speed limits), you have the option of going to court and proving that you are not guilty. otherwise, the most common penalties for speeding are monetary fines or imprisonment for fourth and subsequent offenses. License suspension can occur if a driver keeps breaking speed limits consistently and accumulates a large number of demerit points. speeding tickets are no longer grounds for suspension after three years, but your insurance company may continue to review your driving record periodically.
frequently asked questions
what is the best auto insurance company for drivers with speeding tickets?
The best auto insurance companies will be different for drivers with a clean record compared to those with speeding tickets. If regular insurers quote you unaffordable rates, or even deny you coverage, you may need to seek out providers who specialize in high-risk insurance. Most major insurers have options for high-risk drivers, but smaller local companies can sometimes offer better rates. comparing quotes is the best way to find the right provider for your circumstances.
how do i keep a speeding ticket off my record?
Observing the speed limit and practicing safe driving will help you avoid a speeding ticket or other traffic violation. Some drivers who receive a speeding ticket can contest it or request a driving course or deferment, which can keep a ticket off your record.
how long does a ticket stay on the driving record?
In most states, a ticket remains on your driving record for up to three years. however, this may change depending on the severity or frequency of the convictions.
bankrate uses quadrant information services to analyze 2021 rates for all zip codes and carriers in all 50 states and washington, d.c. Rates quoted are based on male and female drivers ages 18 and 40 with a clean driving record, good credit, and the following total coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. our base drivers own a 2019 toyota camry, commute five days a week, and drive 12,000 miles a year.
incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single driving conviction under the influence of alcohol and expiration of coverage.
These are sample rates and should only be used for comparison purposes.
age: the rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.