The Best Car Insurance in Cincinnati, OH, for 2022

The best car insurance company in Cincinnati – balancing customer satisfaction, affordability and financial stability – is Erie, which received a MoneyGeek score of 93 out of 100. But the best insurer for you may depend on your age and coverage levels.

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Last Updated: 8/12/2022
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Erie is the best insurer overall in Cincinnati, Ohio. However, the best insurer for you will depend on your age and background. MoneyGeek outlines the best options for young and old drivers, those with violations and those with a military affiliation.

If you are looking to optimize your savings on car insurance, MoneyGeek also has resources to help you select the cheapest car insurance in Cincinnati.

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The Best Car Insurance in Cincinnati

Best Car Insurance Companies in Cincinnati: Overall

To determine the top-rated car insurance companies in Cincinnati, MoneyGeek evaluated their average premiums, claims ratings and user satisfaction scores.

Using our unique scoring system, we found that these are the best car insurance companies in Cincinnati, Ohio:

  • Erie: 93 out of 100
  • State Farm: 87 out of 100

USAA received a MoneyGeek score of 98 out of 100, making it the best car insurance provider in Ohio. But we excluded it in this analysis because its policies are restricted to military personnel and their families.

The Top Car Insurance Companies in Cincinnati

1
ErieOverall
Score:94

4.7/5

Affordability

4.5/5

Claims

5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Erie bested other insurers in terms of affordability, customer satisfaction and claims ratings. One of its unique coverages is better car replacement. A full coverage policy from Erie costs around $594 per year.

More About Erie

On top of usual coverages, Erie has unique offerings which you might find valuable depending on your situation. Under the company’s auto security coverage, if your car is totaled in an accident and it’s less than two years old, Erie will replace it with the newest model year. If you remain claims-free for three years, you’ll be eligible for accident forgiveness coverage.

Read MoneyGeek's Erie auto Insurance Review
2
State Farm
Score:87

4.4/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm is our runner-up, scoring 4 out of 5 on customer satisfaction, stability and claims. A full coverage policy from this insurer costs $656 annually. State Farm has rideshare insurance coverage, which other insurers rarely offer.

More About State Farm

State Farm ranks highly among the top-rated insurers in the country. One of its rarest coverages is rideshare, which is essential to have if you work for a company like Uber or Lyft. Rideshare coverage extends the protection of your personal auto policy and offers emergency roadside assistance, rental car reimbursement and medical benefits.

Read MoneyGeek's State Farm auto Insurance Review
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RESOURCES ON CAR INSURANCE IN CINCINNATI, OHIO

MoneyGeek has identified the cheapest car insurance companies in Cincinnati to help you maximize savings on your policies.

To find out more about car insurance in Ohio, use MoneyGeek’s resources below:

Best Cheap Car Insurance for Minimum Coverage in Cincinnati

If you only want basic coverage that still meets Ohio’s minimum car insurance requirements, MoneyGeek recommends these top-rated insurers:

  • Erie: 96 out of 100
  • State Farm: 87 out of 100

We based our ratings on a thorough analysis of different driver backgrounds, including drivers of all ages and those with and without violations.

MoneyGeek’s Pick: Erie

Erie

pros

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A minimum coverage policy costs $271 per year

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MoneyGeek claims rating of 4.50 out of 5

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MoneyGeek user satisfaction rating of 5 out of 5

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Provides discounts for bundling, young safe drivers and having an anti-theft system

cons

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Doesn’t offer common discounts, like multiple car, safe driving and good student

COMPANY HIGHLIGHTS

Most insurance companies, including Erie, offer bundling discounts. You're eligible for bundling discounts if you’re insuring multiple cars or purchasing other insurance policies from Erie, such as life or home.

Erie has unique discounts that reward safety and loyalty. For instance, it offers discounts for having anti-lock brakes, factory-installed airbags and anti-theft devices. Young unmarried drivers who have been insured under their parent’s or guardian’s Erie auto policy can realize savings from Erie’s legacy discount.

Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance for Young Drivers in Cincinnati

MoneyGeek ranked the best car insurance companies in Cincinnati for teens and young adults. Below are our top picks:

  • Erie: 94 out of 100
  • American Family: 90 out of 100

Our rating is based on different policy coverages and driving histories for 18-year-olds. Keep in mind that car insurance premiums for young drivers and students tend to be more expensive because new drivers are riskier to insure.

MoneyGeek’s Pick: Erie

Erie

pros

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A full coverage policy for a safe young driver costs $1,806 per year

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MoneyGeek claims rating of 4.50 out of 5

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MoneyGeek user satisfaction rating of 5 out of 5

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Provides a discount for safe young drivers, distant students, driver’s education and legacy

cons

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Doesn’t offer good student discount

COMPANY HIGHLIGHTS

Young drivers will often find that their premiums are more expensive. Erie stands out from its competitors by providing affordable policies for young drivers, as well as great customer service.

Erie has unique discounts and coverages geared to young drivers. Unmarried drivers under 21 who still live with their parents can take advantage of Erie’s safe young driver discount. Erie offers add-on coverages for new car replacement and rental car and/or travel reimbursement, which covers expenses in the event your car is totaled. This coverage is beneficial for young drivers, who are more prone to accidents.

Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance for Senior Drivers in Cincinnati

MoneyGeek rated the best car insurance companies for senior drivers in Cincinnati using different policy coverages and driving histories for 70-year-old drivers in Ohio. These are our top picks:

  • Erie: 96 out of 100
  • State Farm: 91 out of 100

Car insurance rates for seniors are slightly more expensive compared to those for middle-aged drivers. Failing eyesight and slower reflexes tend to make senior drivers more prone to driving mishaps, so insurers increase their rates.

MoneyGeek’s Pick: Erie

Erie

pros

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An affordable full coverage policy for a senior safe driver costs $613 per year

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MoneyGeek claims rating of 4.50 out of 5

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MoneyGeek user satisfaction rating of 5 out of 5

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Offers discounts for legacy and safety features, like anti-lock brakes, anti-theft systems and airbags

cons

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Doesn’t offer discounts to senior drivers or for defensive driving classes

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Doesn’t provide common coverages like roadside assistance, gap insurance and deductible modification

COMPANY HIGHLIGHTS

Insurers often charge seniors higher premiums for the same coverage as younger drivers. That said, Erie provides affordable policies to senior drivers alongside other perks. The downside is that it doesn’t provide discounts for senior drivers and for defensive driving classes.

Erie provides four out of the seven most commonly offered optional coverages. It also provides rideshare insurance, which most insurance carriers rarely cover.

Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance With a Driving Violation in Cincinnati

MoneyGeek scored the best car insurance companies in Cincinnati to find solid options for drivers with an at-fault accident on their records. Using an array of different policy coverages and ages, we found that the top-rated insurance carriers for drivers with violations in Cincinnati are:

  • Erie: 95 out of 100
  • American Family: 91 out of 100

A bad driving record due to a violation like an at-fault accident, a DUI or a ticket automatically raises your car insurance premiums because you’re considered a high-risk driver. If you have a poor driving history, MoneyGeek can help you find companies that offer reasonable rates.

MoneyGeek’s Pick: Erie

Erie

pros

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An affordable full coverage policy for a 40-year-old driver with an accident on their record costs $775 per year

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MoneyGeek claims rating of 4.50 out of 5

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MoneyGeek user satisfaction rating of 5 out of 5

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Offers many common discounts

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Offers new car replacement and better car replacement coverages

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Offers accident forgiveness coverage

cons

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Doesn’t offer discounts for defensive driving classes

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Doesn’t provide commonly offered coverages like roadside assistance, gap insurance and deductible modification

COMPANY HIGHLIGHTS

Drivers who have an accident or violation on their record should seek insurers that allow them to maximize their savings while providing excellent customer service and comprehensive coverages. Erie receives top marks on these counts.

Erie offers new car replacement and better car replacement coverages. These unique coverages are beneficial if you are worried about getting into an accident. Erie offers four of the nine most common discounts — namely, discounts for bundling, having an anti-theft system, having an airbag safety feature and paying premiums in full.

Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance With a Military Background in Cincinnati

USAA offers the best combination of affordability and customer satisfaction for military members looking for the best car insurance company in Cincinnati. But keep in mind that to be eligible to purchase a policy from this insurer, you need to be an active or former military member.

USAA earned a near-perfect MoneyGeek score of 98 out of 100. We calculated this score based on various driver backgrounds and coverage levels, including young drivers, senior drivers and drivers with violations.

MoneyGeek’s Pick: USAA

USAA

pros

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An affordable full coverage policy for a 40-year-old driver costs $508 per year

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MoneyGeek claims rating of 5 out of 5

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MoneyGeek user satisfaction rating of 5 out of 5

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Offers five of the most common discounts, including multiple car and bundling discounts

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Offers new car replacement and better car replacement coverages

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Offers accident forgiveness coverage

cons

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Only offers three of the seven common coverages

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Policies are limited to military members and their families

COMPANY HIGHLIGHTS

Earning perfect MoneyGeek scores on customer satisfaction and claims, USAA is consistently rated one of the leading insurance carriers. It offers highly affordable policies to military personnel and their families.

USAA’s coverages include roadside assistance, accident forgiveness and rental car and/or travel reimbursement. The downside is that USAA provides few additional coverages.

USAA offers five of the nine common discounts most insurance carriers provide. In addition, USAA features rare military, new vehicle and vehicle storage discounts. With its new vehicle discount, military drivers can save up to 60% on their premiums by storing their insured car.

Read MoneyGeek's USAA Auto Insurance Review

Methodology

MoneyGeek collected quotes and data from insurance companies in Cincinnati, Ohio, to select the best insurers in the city. We based our research on information provided by industry leaders such as AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC).

MoneyGeek scaled the overall scores to 100 points. We also adjusted the weightings for each category as outlined below:

  • Affordability (70%): MoneyGeek gathered and compared quotes from multiple insurers
  • in Cincinnati, Ohio, to rate insurance companies according to policy cost. We gave the insurer offering the cheapest rate a perfect score of five.
  • Customer satisfaction and claims satisfaction (20%): MoneyGeek used data from J.D. Power surveys to measure customer satisfaction in terms of service quality and claims. Each subcategory was weighted at 10%.
  • Financial stability (10%): MoneyGeek used ratings from AM Best to determine how well an insurance company will be able to fulfill financial obligations despite variability in economic conditions.

To calculate the overall affordability score of each car insurance company in Ohio, we examined various driver profiles, considering factors like age, driving record and coverage levels. We then filtered the results to reflect each category of driver profile. For instance, to find the best insurer for senior drivers, MoneyGeek used a sample profile of a 70-year-old male with a clean driving record.

Other than the minimum coverage category, all auto insurance rates in this guide reflect costs for a full coverage policy in Ohio with the following limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

For a more detailed look at how and where we obtain information for our comparisons and scoring, check out MoneyGeek’s car insurance methodology.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.