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Average Cost of Car Insurance in Cincinnati

Cincinnati$792
Ohio$803
U.S.$1,424

As mentioned earlier, auto insurance rates vary from state to state. Average car insurance rates in Cincinnati are significantly lower than most other American cities. The average annual cost for auto coverage in the city is just $792, which is nearly 45% cheaper than the national average of $1,424.

The state average for Ohio is not too far off, as it is only $11 higher than Cincinnati’s typical rate. Of course, these are estimates based on data from multiple car insurance companies in Cincinnati. Individual company rates still vary based on your profile and insurance needs.

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The Best Cheap Car Insurance Companies in Cincinnati

Most drivers will find that GEICO offers the most affordable car insurance in Cincinnati at $576 per year. The most expensive company, Esurance, charges nearly double the annual price at $1,004. Most car insurance companies in Cincinnati, however, fall slightly above or below the city’s average rate.

Regardless of the average price of policies per company, it’s always important to consider individual factors. Know that each company will build a customized profile to determine how much you will pay.

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Personalized Quotes to Get You the Cheapest Car Insurance in Cincinnati

Several factors are considered by insurance companies when they build your personal profile. Among the most notable include your location, driving records, experience and possible driving risks.

All of this information is pooled together to assess the likelihood of you being involved in accidents. The higher your risk, the more expensive your premium. Cheap car insurance in Cincinnati, of course, is more likely if you have a clean record.

These factors vary from person to person and may change over time. As such, it is important for you to get quoted regularly. Circumstances change and it’s in your best interest to make the most out of these.

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Cheapest Car Insurance in Cincinnati by Coverage Amount

How much car insurance coverage you purchase in Cincinnati also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Ohio Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Car insurance coverage is usually summarized in three numbers. The minimum in Ohio, as we explained earlier, is 25/50/25. These numbers stand for bodily injury liability per person and per accident, along with a property damage coverage requirement. This means that the company will pay out these amounts if you are liable in an accident.

You may want to opt for a higher level of coverage. Full coverage, for example, will provide a combination of coverages to give you a higher level of protection. Those in Cincinnati are in luck since full-coverage policies only cost around $200-300 more than liability-only coverage in this city. The extra expense may just be worth it.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Cincinnati if You Have Tickets

Cheap car insurance in Cincinnati comes with a clean record. On average, you will save around $200 if you have a clean record than if you have previous speeding tickets. If you have accident liability or DUI records, expect to pay significantly higher rates. The former will cost around $400 more while the latter will make your premium cost around $460 higher.

Average Cost of Car Insurance by Postal Code

Your ZIP code also factors into your car insurance costs. This is because some neighborhoods have higher rates of accidents, thefts or uninsured motorists. Luckily, for Cincinnati, ZIP code differences don’t impact costs that much. The difference between the most and least expensive neighborhoods in this city is merely $33. This trend is also seen for other Ohio cities like Columbus and Toledo.

  • Zip Code
    State Minimumper year
  • 45211
    $777
  • 45231
    $787
  • 45238
    $810

Factors That Impact Insurance Costs in Cincinnati

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Cincinnati. How Cincinnati ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities80th/300
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Most Car Thefts53rd/300
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Most Uninsured Motorists by State22nd/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall101st/300
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Most Rainy Days43rd/300

Shopping around for car insurance in Cincinnati could save you $215, which is enough to buy:


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72Cups of Coffee
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17Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Cincinnati are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Cincinnati

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.