General
$45.75/mo
Nationwide
$46.17/mo
State Farm
$44.25/mo
Erie
$46.17/mo
Westfield
$45.33/mo
General
Nationwide
State Farm
Erie
Westfield
Traffic congestion and uncomfortable driving conditions are frequently associated with crowded cities, but Cincinnati differs from most big cities. Even though it is the biggest metropolitan area of Ohio, there is not much traffic outside of rush hour. However, these factors don't negate the necessity of buying car insurance in Cincinnati.
It's a good idea to sign up for auto insurance that will protect you during an accident, even in these perfect driving conditions. The average city rate is slightly higher than the state average but lower than the national average. But, you can lower your insurance rate by comparing the quotes from different insurers or getting various discounts. Car insurance in Cincinnati may be especially beneficial for drivers who lead more luxury lifestyles, especially when the coverage gets bundled with other product lines.
No one insurer provides the cheapest car insurance in the city. The best way is to compare rates from various insurers, especially if you've recently moved or want to expand your coverage. So, how much does car insurance in Cincinnati cost? Which car insurance companies in Cincinnati, Ohio, provide affordable auto insurance? Our review has all the answers you must know!
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On average, a driver must pay around $1,202 for car insurance in Cincinnati. It is greater than the average state rate of $1,059 but lower than the national average rate.
| Cincinnati (annual average) | Ohio (annual average) | United States |
|---|---|---|
| $1,202 | $1,059 | $1,557 |
Be mindful that the auto insurance cost can vary depending on the insurance company and its discounts. Our auto insurance review of Cincinnati, OH, includes average rates based on age, driving record, gender, marital status, and credit score. Continue reading to find out more!
One way to lower the cost of car insurance in Cincinnati is by getting quotes from various insurers, comparing and buying the cheapest one. Erie offers the most affordable insurance in the city, with a yearly average rate of $877. With an average annual rate of $879, Grange offers the second-best car insurance in the city.
| Car insurance company | Average Annual Rate |
|---|---|
| Erie | $877 |
| Grange | $879 |
| State Farm | $1,056 |
Age is a crucial factor that can increase or decrease the car insurance rate in Cincinnati. With a yearly average rate of $5,628, teens pay the most for car insurance in Cincinnati. Conversely, drivers in their 50s and 60s pay the lowest for Cincinnati auto insurance, with a yearly average rate of $1,070 and $ $1,105.
What is one way by which you can lower the cost of car insurance in Cincinnati? It is by getting out of your teens! Drivers in their 20s pay a yearly average rate of $1,717, a reduction of $3,911 compared to the average rate of teens. Or, you must ask your insurer about the various discounts they offer. Using some of the eligible discounts can decrease the auto insurance rate.
Your marital status and gender can impact the rate of car insurance in Cincinnati. Like many cities, married drivers pay less than single drivers in Cincinnati. With an average annual rate of $1,129, married drivers pay $73 less than single drivers in the city. Insurers see single drivers as high-risk drivers and are likely to file more claims, so the rates go higher.
Widowed drivers in the city also pay less than single drivers. Also, your gender can be a vital factor. For instance, male drivers pay more for auto insurance than female drivers in Cincinnati. It may be because insurance companies see male drivers as risky than female drivers.
| Gender/Marital Status | Average Annual Rate |
|---|---|
| Male | $1,203 |
| Female | $1,202 |
| Single | $1,202 |
| Married | $1,129 |
| Widowed | $1,179 |
| Divorced | $1,202 |
Irrespective of where you live, the best way to keep the rate of car insurance in Cincinnati low is by keeping a clean driving record. The Cincinnati, OH, car insurance will increase if you get at-fault accidents, DUIs, reckless driving, and speeding ticket citations on your driving record. Also, be aware that insurers reward low-risk drivers with affordable premiums.
DUI/DWI and reckless driving are the two offenses that surge the rate of car insurance in Cincinnati. These citations increase the insurance rate to $1,931 and $1,927, respectively. It is almost $700 more than the average city rate.
| Offense | Average Annual Rate |
|---|---|
| Reckless Driving | $1,931 |
| DUI/DWI | $1,927 |
| Speeding Ticket | $1,475 |
| At-Fault Accident (damages < $,1000) | $1,743 |
| At-Fault Accident (damages > $2,000) | $1,894 |
Like in most cities, credit scores greatly impact the cost of car insurance in Cincinnati. For instance, a driver with a ‘Very Poor' credit score has to pay around $2,294 for Cincinnati, OH, car insurance. It is 1,092 more than the average city rate. On the other hand, a driver with an ‘Exceptional' credit score must only pay an annual average rate of $974.
Improving your credit score can decrease the rate of car insurance in Cincinnati. For instance, moving from the ‘Very Poor' to the ‘Fair' credit score decreases $850 in the yearly average rate.
| Credit Rating | Average Annual Rate |
|---|---|
| Very Poor | $2,294 |
| Fair | $1,444 |
| Good | $1,202 |
| Very Good | $1,074 |
| Exceptional | $974 |
The area where you live in Cincinnati affects your car insurance rates. The rates differ by ZIP Code as the number of uninsured drivers, crime, and auto theft rates differ. Therefore, if your home is in an area where people don't get along, auto insurance companies may view you as a high-risk driver. Therefore, it could result in higher rates than a person living on the next street.
45223,45219, 45214,45205, and 45225 are some of the most expensive ZIP Codes in the city. So, which are the cheaper ones? Areas with ZIP Code 45255, 45245,45242, 45244,and 45230 have a lower rate of car insurance in Cincinnati.
Any car using Ohio's roads must possess an auto insurance policy. Ohio's minimum liability insurance requirements are as follows.
Bodily injury coverage is a crucial factor of your liability insurance. It pays for the medical costs associated with accident-related injuries to individuals other than the policyholder. Because Ohio is an at-fault state, the driver who caused the collision is also liable for covering any related costs, either through their auto insurance company or personally.This coverage covers the cost of repairing the property of the other parties involved in an accident, even if it is ruled that one of the drivers is at fault.
Download Way.com, the super app for car owners and your key to the best insurance, to discover the finest coverage options for your car in Cincinnati!
Though it's the largest metropolitan area in Ohio, the city doesn't experience much traffic congestion. Still, these tips will help you drive in the city.
Unfortunately, the city has a higher auto theft rate than the state average. In 2019, the city recorded around 1,351 auto thefts. The auto theft rate was 445.4, higher than the state average and the national average of 219.
So if you drive a car in Cincinnati, purchase an insurance policy with comprehensive coverage.
| Cincinnati theft rate (per 100,000 persons) | United Statestheft rate (per 100,000 persons) |
|---|---|
| 445.4 | 219 |
In 2019, around 31 vehicles got involved in fatal accidents. There were 47 persons involved in fatal accidents, with 20 fatalities. Also, there were nine fatal accidents involving drunk persons, and five pedestrians were involved in fatal accidents in the city. So, always buy an insurance policy with collision coverage in Cincinnati.
Are you looking for the best car insurance in Cincinnati? The insurers in the city claim that they offer basic coverages at affordable rates. With the help of our car insurance agents in Cincinnati, you can learn about the state's most complex regulations, insurance terms, coverages, and discounts. So, contact our agents if you're looking for the best car insurance in Cincinnati.
Here are some insurance companies that operate in the city.
| Erie | Progressive |
| Grange | Hartford |
| State Farm | Allstate |
| Nationwide | Liberty Mutual |
| American Family | Safeco |
| USAA | Farmers |
| Travelers | Hanover |
| Auto-owners | Metlife |
| Country Financial | AAA |
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
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.com
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