The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, specifically when you are trying to find the best car insurance for drivers with a DUI. Because of the high cost, let’s lead off by showing you some of the factors that help determine car insurance prices, and come up with some ways to shave a little off your next policy.
The vehicle on the policy is probably the biggest factor that determines the availability of the cheapest auto insurance for drivers with a DUI. Vehicles with reasonable performance levels, a plethora of safety features, or low incidents of liability claims will cost substantially less to insure than higher performance models. The list below shows coverage costs for a handful of the most affordable vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,970|
|Honda Accord LX 4-Dr Sedan||$2,109|
|Ford F-150 XL Super Cab 2WD||$2,115|
|Honda CR-V EX-L 2WD||$2,162|
|Toyota RAV4 Sport 2WD||$2,285|
|Hyundai Elantra SE Touring Station Wagon||$2,291|
|Dodge Grand Caravan SE||$2,301|
|Toyota Tacoma 4WD||$2,369|
|Jeep Wrangler Rubicon 4WD 2-Dr||$2,379|
|Honda Odyssey EX W/Rear Entertainment||$2,393|
|Nissan Rogue SL 2WD||$2,445|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$2,458|
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Table data assumes single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in specific garaging location which can revise insurance rates considerably.
Looking at the data, vehicles like the Ford Escape, Honda Accord, and Ford F-150 should be the most budget-friendly vehicles to insure after getting a DUI. Auto insurance rates will tend to be more expensive because there is a higher risk for drivers with a DUI, but generally speaking those vehicles will probably have the lowest prices compared to all other vehicles.
Buying low-cost insurance is hard enough, and deciding which insurers offer the most affordable car insurance rates for drivers with a DUI takes a little more work.
Each auto insurance company has their own process for determining rates in each state, so we need to take a look at the most budget-friendly car insurance companies in Toledo.
Best Car Insurance Prices after a DUI
|Rank||Company||Cost Per Year|
|7||Merchants Insurance Group||$755|
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Utica National quotes some of the most affordable car insurance rates in Toledo at around $647 per year. Allied, Erie, Frankenmuth, and Travelers also are some of the most economical Toledo, OH auto insurance companies.
As depicted above, if you currently have a policy with Allied and switched to Utica National, you may see an annual premium reduction of approximately $22. Drivers with Erie may save as much as $34 a year, and Frankenmuth policyholders might cut rates by $40 a year.
To get a fast rate comparison, click here to get a free quote or feel free to get quotes from the companies below.
Be aware that those estimates are averages across all ages of drivers and types of vehicles and and are not figured with an exact zip code location for drivers with a DUI. So the insurer that fits your age and vehicle best may not even be in the top 33 companies in the list above. That helps illustrate why you need to compare prices as often as possible using your own specific driver information and vehicle.
Finding the highest-rated auto insurance provider is hard considering how many companies provide coverage in Toledo. The rank data below can help you pick which insurers to look at when comparing rate quotes. These rankings are for large nationwide companies, so smaller companies that only insure vehicles in Ohio are not included in the list.
Top 10 Major Auto Insurance Companies in Toledo Ranked by Value
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
Top 10 Major Auto Insurance Companies in Toledo Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
Full coverage rates compared to liability-only
Saving money when shopping for car insurance is the goal of most vehicle owners, and one of the best ways to buy cheap insurance for drivers with a DUI is to not buy comprehensive and collision coverage. The diagram below illustrates the difference between premium costs when comparing full coverage to liability only. The premiums are based on no claims or driving violations, $100 deductibles, single marital status, and no additional discounts are factored in.
If we average all the age groups together, physical damage coverage costs $1,750 per year more than just buying liability only. That amount may make you wonder if buying full coverage is worth the expense. There is no set rule of when to stop paying for physical damage coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your vehicle’s settlement value is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $10,000 after paying your deductible. If it’s costing you more than $1,000 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
Types of discounts on Toledo car insurance rates
Auto insurance companies that provide coverage for drivers with a DUI may have price discounts that can reduce rates by 40% or more if you are eligible for them. A few of the larger companies and a summarized list of policyholder discounts are shown below.
- GEICO may offer discounts for five-year accident-free, defensive driver, federal employee, military active duty, and membership and employees.
- USAA offers discounts including good student, loyalty savings, new vehicle, military installation, vehicle storage, driver training, and multi-vehicle.
- Progressive may have discounts that include multi-policy, online quote discount, good student, multi-vehicle, homeowner, online signing, and continuous coverage.
- American Family offers premium reductions for multi-vehicle, Steer into Savings, mySafetyValet, good driver, defensive driver, and bundled insurance.
- Esurance has discounts for anti-theft, emergency road assistance, anti-lock brakes, Switch & Save, safety device, renters, and good student.
- Farmers Insurance discounts include electronic funds transfer, multi-car, good student, bundle discounts, alternative fuel, and business and professional.
- State Farm policyholders can earn discounts including passive restraint, good driver, multiple autos, Drive Safe & Save, and accident-free.
The chart below illustrates the difference between insurance rates with and without discounts applied to the premium. The premiums assume a male driver, two violations and no accidents, Ohio state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple policy, anti-theft, vehicle safety, homeowner, paid-in-full, and continuous coverage discounts applied. In this example, theaverage yearly reduction on car insurance for drivers with a DUI is 28% or $471.
Tips for finding budget-friendly insurance for drivers with a DUI
It is possible to find better rates, and here are a few money-saving ideas that can help you get cheap coverage.
- Buy vehicles with good safety ratings
- Insure your home and auto with the same company
- Don’t have frequent claims
- Avoid accidents and claims
- Serious violations like DUI or reckless driving can increase rates dramatically
- Compare price quotes at least once a year
The last item on the list is very valuable, as we emphasized in the prior information. Auto insurance prices vary greatly, so you should be ready to buy from a new company if a better rate can be found.
Having a favorite company is great, but is isn’t recommended if your bullheadedness ends up costing you money that could be going to better use. Take a couple minutes and compare prices to find cheaper car insurance for drivers with a DUI in Toledo.