Cheapest Car Insurance Quotes in Cincinnati

Finding the cheapest car insurance quotes in Cincinnati shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Cincinnati Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cincinnati

The car insurance rate in Cincinnati is $869 for a six-month policy, which is $126 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $278, making it a popular choice for budget-conscious drivers. Rates in Cincinnati can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cincinnati

$869

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Cincinnati

1st place: American Family

At $278 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $695 for six months, making it the third cheapest auto insurance company in Cincinnati.

Cincinnati Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cincinnati, OH is American Family, offering policies at just $278 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $445.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1334 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cincinnati drivers find the best deals.

Cheap Car Insurance Companies in Cincinnati, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$278	$47
Auto-Owners Insurance Co	$445	$74
Travelers	$695	$118
State Farm	$709	$118
Hastings Mutual	$723	$123
USAA	$730	$123
Erie	$757	$128
Nationwide	$799	$135
Central Mutual	$841	$143
Progressive	$875	$147
Auto-Owners	$945	$160
Farmers	$1028	$172
Westfield	$1210	$206
Cincinnati	$1265	$211
Grange	$1286	$219
Allstate	$1334	$225

Key Takeaways

Way's key takeaways about car insurance in Cincinnati

The auto insurance costs in Cincinnati fall around $278 for six months.
The cheapest auto insurance company in Cincinnati is American Family.
Teen drivers pay the highest rate in Cincinnati at $827 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Cincinnati

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cincinnati are given below.

American Family provides the cheapest minimum car insurance coverage in Cincinnati. Their Average 6 Month Premium is $146. Allstate is the most expensive at $528 for the same period.

Cheapest Liability Coverage in Cincinnati, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$146	$25
Central Mutual	$160	$27
Auto-Owners Insurance Co	$174	$29
USAA	$201	$34
Erie	$215	$36
Westfield	$215	$36
State Farm	$229	$39
Progressive	$264	$44
Auto-Owners	$291	$49
Travelers	$291	$49
Nationwide	$355	$60
Farmers	$390	$64
Grange	$459	$78
Cincinnati	$487	$81
Allstate	$528	$89

Cheapest Full Coverage Car Insurance in Cincinnati

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cincinnati is American Family at $47 per month and $278 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cincinnati, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$278	$47
Auto-Owners Insurance Co	$445	$74
Travelers	$695	$118
State Farm	$709	$118
Hastings Mutual	$723	$123
USAA	$730	$123
Erie	$757	$128
Nationwide	$799	$135
Central Mutual	$841	$143
Progressive	$875	$147
Auto-Owners	$945	$160
Farmers	$1028	$172
Westfield	$1210	$206
Cincinnati	$1265	$211
Grange	$1286	$219
Allstate	$1334	$225

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Cincinnati Instantly!

Average Car Insurance in Cincinnati by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cincinnati, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Cincinnati, Ohio, may be increasing due to several external factors. Ohio has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cincinnati's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cincinnati

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$665
30s	USAA	$470
40s	USAA	$426
50s	USAA	$394
60s	USAA	$414
70s	USAA	$502

Cheapest Car Insurance Rates for Teen Drivers in Cincinnati,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Cincinnati at $26 per month. At $4865 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$153	$26
USAA	$938	$158
Erie	$1078	$181
Travelers	$1258	$212
Westfield	$1404	$236
Progressive	$2023	$340
Nationwide	$2579	$434
Auto-Owners	$2752	$459
Allstate	$2815	$474
State Farm	$2884	$481
Cincinnati	$3655	$621
Grange	$3690	$615
Farmers	$4865	$827

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Cincinnati.

As young drivers face the highest rates in Cincinnati, USAA offers the cheapest auto insurance rates at $665 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cincinnati, American Family is the cheapest car insurance provider. At $236 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cincinnati is AutoOwners, offering rates of around $2641 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$236	$40
Progressive	$869	$146
Nationwide	$1000	$168
USAA	$1021	$171
Grange	$1035	$174
Erie	$1057	$178
Westfield	$1237	$208
Cincinnati	$1912	$318
Allstate	$2279	$387
Auto-Owners	$2641	$440

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Cincinnati.

Car Insurance Rates with An Accident in Cincinnati

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cincinnati, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cincinnati

The cheapest car insurance companies after an at-fault accident in Cincinnati include Central Mutual and American Family, offering $160 and $180, respectively. State Farm is an expensive provider with an average six-month premium of $5338.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$160	$27
American Family	$180	$30
Auto-Owners Insurance Co	$278	$47
Erie	$494	$83
Westfield	$737	$124
Nationwide	$1000	$168
Travelers	$1071	$180
USAA	$1446	$243
Auto-Owners	$1501	$253
Grange	$1577	$268
Progressive	$2293	$386
Cincinnati	$2356	$400
Allstate	$2808	$473
State Farm	$5338	$908

Cincinnati Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cincinnati OH. For example, the car insurance in Cincinnati after a DUI increases to $813 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Cincinnati auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$855	$143
One Med/PIP claim	$875	$149
Not-at-fault accident	$889	$149
One comp claim	$910	$154
Two Med/PIP claims	$910	$152
Two comp claims	$952	$161
Failure to show documents	$959	$160
Driving without lights	$980	$166
Failure to wear a seat belt	$980	$164
Child safety restraint	$1000	$170
Driving with expired registration	$1000	$167
Driving too slowly	$1035	$176
Speeding 11 - 15 MPH over limit	$1035	$173
Speeding 6 - 10 MPH over limit	$1035	$176
Speeding in school zone	$1035	$173
Cell phone violation	$1042	$178
Failure to yield	$1042	$174
Following too closely	$1042	$178
Illegal turn	$1042	$174
Texting while driving	$1042	$178
Wrong way/wrong lane	$1042	$174
Failure to stop at a red light	$1049	$179
Improper passing	$1057	$176
Speeding 16 - 20 MPH over limit	$1057	$180
At-fault accident - less than $1000	$1092	$181
Passing school bus	$1099	$187
Speeding 21 - 25 MPH over limit	$1126	$187
In 65 MPH zone	$1140	$194
At-fault accident - $1000-$2000	$1258	$209
At-fault accident - greater than $2000	$1265	$215
Open container	$1265	$211
Operating a vehicle without permission	$1272	$216
Reckless driving	$1612	$269
Racing	$1640	$278
Refusal to submit to a chemical test	$1640	$274
Driving with a suspended license	$1654	$281
DUI	$1668	$278
Leaving scene of an accident/hit and run	$1716	$291

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cincinnati after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cincinnati.

The cheapest car insurance premiums in Cincinnati are offered by American Family at $180 for a six-month policy. However, it can be as expensive as $3092 with companies like Cincinnati.

Cincinnati car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$180	$30
Travelers	$577	$97
Progressive	$695	$117
Erie	$716	$121
USAA	$813	$137
State Farm	$1119	$191
Nationwide	$1279	$215
Farmers	$1390	$236
Auto-Owners	$1787	$297
Allstate	$1828	$308
Grange	$2064	$344
Westfield	$2683	$456
Cincinnati	$3092	$516

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cincinnati are offered by American Family at $180. However, it can be as expensive as $1842 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Cincinnati after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$180	$30
Auto-Owners Insurance Co	$180	$30
Erie	$515	$87
Progressive	$716	$121
USAA	$737	$123
Westfield	$827	$139
Nationwide	$834	$140
Auto-Owners	$945	$160
Cincinnati	$1494	$249
Allstate	$1744	$297
Grange	$1842	$307

Car Insurance Price Trends in Cincinnati, Ohio

Car insurance rates in Cincinnati have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cincinnati rose by $174 in January compared to $139 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Cincinnati rose to $46 in January, compared to $42 in December. This represents an increase of $4 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Cincinnati by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Cincinnati. At $895 for a six-month policy, insuring your car at 45215 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
45215	$895	$150
45237	$886	$149
45236	$895	$150
45214	$869	$146
45217	$869	$146
45239	$895	$150
45238	$912	$153
45216	$878	$147
45211	$904	$152
45255	$886	$149
45233	$878	$147
45232	$869	$146
45213	$878	$147
45212	$886	$149
45219	$886	$149
45218	$869	$146
45251	$886	$149
45231	$912	$153
45230	$895	$150
45252	$869	$146
45226	$869	$146
45248	$895	$150
45204	$869	$146
45203	$869	$146
45247	$886	$149
45225	$878	$147
45206	$878	$147
45227	$886	$149
45249	$878	$147
45205	$886	$149
45244	$895	$150
45243	$878	$147
45224	$886	$149
45246	$878	$147
45202	$878	$147
45223	$878	$147
45245	$886	$149
45208	$886	$149
45207	$869	$146
45229	$878	$147
45209	$878	$147
45240	$895	$150
45220	$878	$147
45242	$886	$149
45241	$895	$150

Frequently Asked Questions

How much is car insurance in Cincinnati?

The car insurance in Cincinnati is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Cincinnati?

The cheapest car insurance in Cincinnati is $47 per month for full coverage.

How much is car insurance in Cincinnati for teenagers?

Car insurance for teenagers costs $153 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cincinnati?

The average cost of car insurance is $743 for a six-month policy. It will cost around $146 per month to insure your car in Cincinnati.

Is car insurance expensive in Cincinnati?

Car insurance can be expensive in Cincinnati if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cincinnati can be affordable.

Cheapest Car Insurance Quotes in Cincinnati

Why you can trust Way?

How Much Is Car Insurance in Cincinnati

Avg. Car Insurance in Cincinnati

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Cincinnati

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Cincinnati Car Insurance Rates by Company

Cheap Car Insurance Companies in Cincinnati, OH

Way's key takeaways about car insurance in Cincinnati

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cincinnati

Cheapest Liability Coverage in Cincinnati, OH

Cheapest Full Coverage Car Insurance in Cincinnati

Cheapest Full Coverage Car Insurance Quotes in Cincinnati, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cincinnati by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cincinnati, OH increasing?

Car Insurance Premiums by Age in Cincinnati

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cincinnati,OH

If you are in your twenties USAA is the best choice for car insurance in Cincinnati.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cincinnati

Cheapest Car Insurance Companies after an At-Fault Accident in Cincinnati

Cincinnati Car Insurance Rates by Violation

Cincinnati auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cincinnati after a DUI

Cincinnati car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cincinnati after Speeding ticket

Car Insurance Price Trends in Cincinnati, Ohio

Average Car Insurance Cost in Cincinnati by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cincinnati, OH

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources