bestauto insuranceCincinnati2022Compare the Cheapest Car Insurance Quotes in Cincinnati, OH
Car insurance in Cincinnati costs an average of $792 annually, which is cheaper than the state average. The cheapest widely available insurer is GEICO, with an average rate of $576 annually. MoneyGeek analyzed the cheapest options for different driver histories and coverage levels. For drivers who want to balance costs and service, MoneyGeek also ranked the best insurers in Cincinnati.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 9/22/2022
Written By |
Mark Fitzpatrick
GEICO offers the cheapest car insurance in Cincinnati, but your best-priced company may vary based on coverage needs and profile. Erie is cheapest for a minimum coverage policy and for drivers with tickets, while USAA is cheapest for those with a military background. MoneyGeek ranks Erie as the best insurer in Cincinnati for its combination of quality service and affordability.
bestauto insuranceCincinnati2022The Cheapest and Best Car Insurance in Cincinnati
The Cheapest Car Insurance Companies in Cincinnati
If you are looking for a full coverage policy in Cincinnati, the most affordable insurers are:
- GEICO: $576 average per year
- Erie: $594 average per year
If you are a veteran or serving in the military, USAA is the most affordable option for a full coverage policy at $508 per year.
Esurance, the most expensive option, costs $1,004 yearly, which is 42% more than GEICO, the cheapest, no-restriction option.
A full-coverage policy includes comprehensive and collision insurance that covers damage to your vehicle; rates may vary depending on how much liability insurance you select.
Cheapest Car Insurance in Cincinnati
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$508
- 2.$576
- 3.$594
- 4.$656
- 5.$687
MoneyGeek obtained quotes for a 40-year-old male driver in Cincinnati with a full coverage policy, as described in our methodology.
A full coverage policy in Cincinnati has comprehensive and collision insurance plus the minimum liability coverage required by law. The added coverages for your vehicle make full coverage cost more than a minimum coverage policy:
- Comprehensive insurance: it covers non-collision-related damage.
- Collision insurance: it covers damage as a result of a collision with a vehicle or object.
Full coverage may not always be the best option if you have an older car since the cost of the policy may exceed the value of your car.
Compare Car Insurance Rates in Cincinnati
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Cincinnati for Minimum Coverage
The cheapest car insurance in Cincinnati is a minimum liability policy. The cheapest companies for a minimum coverage policy, on average, in Cincinnati are:
- Erie: $271 per year
- State Farm: $331 per year
USAA is the cheapest option if you are in the military at $243 yearly. Esurance, the most expensive, is $512 more than Erie, the cheapest, open-to-all minimum coverage policy. A minimum coverage policy costs less yearly, but the trade-off is limited coverage; you don’t have collision or comprehensive insurance, and liability limits are low, affecting how protected you are in an accident.
You can use the table below to see how prices change for higher liability coverage.
Cheapest Minimum Liability Car Insurance in Cincinnati
State Minimum
- CompanyState Minimumper year
- 1.$243
- 2.$271
- 3.$331
- 4.$334
- 5.$450
The cheapest car insurance you can buy in Cincinnati is a state minimum policy. It includes the minimum liability limits required by Ohio laws, 25/50/25. That means you have limited coverage and may have to pay out of pocket if you cause an accident.
For instance, if your minimum coverage policy has $25,000 in bodily injury and the other driver’s medical bills are $40,000, you pay $15,000.
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.
Cheapest Car Insurance in Cincinnati if You Have Driving Violations
If you have a violation such as a DUI, ticket or at-fault accident on your record, you pay more for car insurance in Cincinnati. For drivers with violations, the most affordable insurance companies in Cincinnati are:
- Cheapest after a ticket: Erie, $620 average per year
- Cheapest after an at-fault accident: American Family, $721 average per year
- Cheapest after a DUI: State Farm, $720 average per year
USAA has low-price options after a ticket, accident or DUI for military members. If you have a violation, improving your driving record over time can help you get better car insurance rates. Until then, compare quotes from different insurers to find the most affordable insurers with a violation.
Cheapest Car Insurance in Cincinnati With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$620
- 2.$631
- 3.$711
- 4.$720
- 5.$721
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.
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 auto insurance quote comparisons regularly. Circumstances change and it’s in your best interest to make the most out of these.
Compare Car Insurance Rates in Cincinnati
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Cincinnati
If you are looking for the best balance of quality service and affordability, MoneyGeek ranked the best insurance companies in Cincinnati. The best car insurance providers in Cincinnati for most drivers are:
- Erie: MoneyGeek score of 95 out of 100
- Hartford: MoneyGeek score of 88 out of 100
USAA received the highest MoneyGeek score among insurers in Cincinnati, but it is not listed as best overall since it is only available to military members, veterans and their families. If you are eligible, USAA is a great company.
To calculate these final scores, MoneyGeek analyzed several data points, including J.D. Power’s customer satisfaction scores, affordability and financial stability ratings.
1
USAA
Score:100
2
Erie
Score:94
3
Hartford
Score:88
4
Auto-Owners Insurance Co
Score:88
5
Cincinnati Insurance Companies
Score:88
6
State Farm
Score:87
7
Country Financial
Score:85
8
American Family
Score:85
9
GEICO
Score:82
10
Grange
Score:80
11
Hanover
Score:75
12
Liberty Mutual
Score:75
13
AAA
Score:75
14
Safeco
Score:73
15
Nationwide
Score:67
16
Allstate
Score:65
17
Travelers
Score:60
18
Progressive
Score:56
19
Farmers
Score:46
20
MetLife
Score:30
21
Esurance
Score:26
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
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.
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