Getty Images; Illustration by Austin Courregé/Bankrate
Getting a speeding ticket in Ohio almost certainly guarantees an insurance rate increase, at least for a bit. While Ohio drivers with a clean driving record pay an average of $1,600 per year for a full coverage insurance policy, that amount jumps to $1,939 following a speeding ticket. To help you see how much a speeding ticket impacts your insurance, we put together this guide on how a speeding ticket can influence your Ohio car insurance and covers strategies that might save you money on your policy.
How much is a speeding ticket in Ohio?
How much a speeding ticket is in Ohio varies by location, with different counties imposing varying fees. To give you an idea of how much you might pay, fines for speeding generally start around $125 and could go all the way to $335. The seriousness of the violation and your actual speed all play a role in determining how much you’re penalized.
In Ohio, car insurance rates increase by an average of 19 percent following a speeding ticket conviction. Even a first-time speeding ticket may cause your rates to increase as carriers likely see you as riskier to insure. Consider these average Ohio insurance rates: Ohio drivers without a ticket pay an average of $1,600 per year for full coverage and $431 per year for minimum coverage. After a ticket, drivers pay an average of $1,939 for full coverage and $512 for a minimum policy.
Although the exact price you’ll pay for a speeding ticket is based on things like whether or not you were speeding in a school or construction zone, as well as how fast over the limit you were driving, the price of your insurance largely depends on your personal factors.
The cheapest car insurance for Ohio drivers with a speeding ticket
Finding affordable Ohio car insurance can be difficult after getting a speeding ticket, but it’s not impossible. It can help to start by requesting quotes from some of Ohio’s cheap auto insurance carriers. To get you started, Bankrate’s insurance editorial team used data from Quadrant Information Services to find which companies offer some of the most competitive rates to drivers with speeding tickets in the state.
| Company | Ohio rate before speeding ticket* | Ohio rate after speeding ticket* | % increase after speeding ticket |
|---|---|---|---|
| Hastings Mutual | $983 | $1,200 | 22% |
| USAA | $1,136 | $1,435 | 26% |
| Central Mutual | $1,312 | $1,467 | 12% |
| Nationwide | $1,119 | $1,524 | 36% |
| Geico | $1,265 | $1,616 | 28% |
| *All rates displayed are average full coverage rates as of February 2025. |
What to do after you get a speeding ticket in Ohio
You have a few options available after getting pulled over for speeding in the Buckeye State.
Pay the fine or contest the ticket
If you read the ticket you were issued, you’ll see clear instructions for how to agree to the violation and pay the fine. If you choose to fight the ticket, it should also provide clear instructions on how to contest the ticket. Usually, this means you’ll have to appear in court with or without the assistance of a personal lawyer.
Get quotes from other car insurance companies
Although annual premiums may be higher for drivers in Ohio with a speeding ticket, some providers may still be cheaper than others, depending on their pricing algorithm and your personal rating factors. If your current rates are unaffordable, comparing quotes from other providers may result in a savings opportunity, as indicated in the following table.
Look for discounts
Changing insurers may not be your only option when it comes to car insurance savings. In fact, if you do a little digging, you may find that your current insurer offers a selection of car insurance discounts you can take advantage of to help you save. Or, if you’re determined to change providers, looking at the discounts offered by a potential new provider may be a useful next step.
Some common discounts you may want to look for include:
- Young driver discounts: Young drivers typically pay more for car insurance as they have less experience behind the wheel, but you may be able to save with discounts for good grades, taking a defensive driving course or enrolling in a telematics program.
- Professional discounts: If you’re no longer in school and have entered the working world, your insurer may grant you a discount based on your chosen line of work. Health care and education are commonly included in this discount. Some carriers may even extend savings to members of certain professional organizations or alumni groups.
- Multi-policy discounts: Many insurers reward you for bundling your auto insurance with another policy from the same carrier, like home or renters. This type of discount can often be significant.
Keep in mind that price is not the only factor you might consider when choosing an insurance provider. Customer reviews, third-party ratings, coverage options and financial stability are some of the other things you might check when picking the best car insurance company in Ohio.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $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
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: single speeding ticket.
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