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DUI / DWI

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A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.

In Ohio, a DUI (referred to as OVI - Operating a Vehicle Impaired) conviction can have a substantial impact on a driver's insurance rates. Insurance companies often view drivers with OVI convictions as high-risk, which can lead to an increase in premiums, sometimes by an average of 80% or more. This is due to the higher likelihood of filing a claim that insurers associate with drivers who have been convicted of OVI. Additionally, multiple OVI convictions can make it even more challenging to find an insurance provider willing to offer coverage, as the risk perceived by insurers is further amplified. Ohio law requires drivers to maintain a minimum amount of liability insurance, and those with OVI convictions may have to purchase high-risk insurance policies, such as an SR-22, which typically come at a higher cost. Furthermore, driver's license suspension or revocation is a common consequence of OVI convictions, and a related accident or traffic violation can further increase insurance rates or lead to the need for specialized insurance coverage.

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DUI / DWI

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DUI / DWI

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