Car insurance rates vary from city to city and from person to person. Several factors, like location and driving record, determine how much your car insurance premium will cost. This applies to the entire country, and Cincinnati is no exception. If you need car insurance in Cincinnati, note that different companies offer different rates based on several important criteria.
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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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- CompanyAmountper year
- 1. USAA$508
- 2. GEICO$576
- 3. Erie$594
- 4. State Farm$656
- $687
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.
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Ohio Minimum Liability Requirements
- ItemDescription
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$243$271
- 2. Erie$271$306
- 3. GEICO$334$366
- 4. State Farm$331$380
- $461$487
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$474$508
- 2. Erie$561$594
- 3. GEICO$534$576
- 4. State Farm$611$656
- $681$687
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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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$631$768$750
- $721$721$721
- 3. State Farm$720$783$720
- 4. Erie$620$775$932
- 5. GEICO$711$948$1,310
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 CodeState Minimumper year
- 45211$777
- 45231$787
- 45238$810
Insurance Providers That Serve Cincinnati
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.
Shopping around for car insurance in Cincinnati could save you $215, which is enough to buy:
72Cups of Coffee
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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