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The cheapest car insurance depends on needs and driver profile. Erie is the cheapest in Cincinnati for full and minimum coverage or with a speeding ticket. Nationwide offers the cheapest rate for seniors, teens or with bad credit, and American Family for young adults, sports car drivers or with an at-fault accident or DUI. USAA is the lowest for military members.

We also found Cincinnati's best car insurance companies that balance cost and quality service.

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2023

Cheapest Car Insurance in Cincinnati, OH

Cheapest Minimum Coverage Car Insurance in Cincinnati

MoneyGeek's research found that the following companies offer the average cheapest minimum coverage car insurance in Cincinnati:

  • Erie: $224 per year
  • Auto-Owners: $294 per year

State Farm charges the highest rate for a minimum coverage policy in Cincinnati, based on the companies MoneyGeek collected quotes for, with an average cost of $2,688 per year.

Ohio's cheapest car insurance company is Nationwide, charging an average of $226 per year statewide for minimum coverage. Location can play a significant role in determining car insurance rates, and Nationwide’s rate for this policy in Cincinnati is around $307 a year, much more than its average cost in Ohio.

Company
Annual Premium
Monthly Premium

Erie

$221

$18

Erie

$224

$19

Erie

$283

$24

Progressive

$291

$24

Auto-Owners Insurance Co

$294

$25

Nationwide

$294

$25

Auto-Owners Insurance Co

$296

$25

Nationwide

$307

$26

Progressive

$313

$26

American Family

$321

$27

American Family

$322

$27

American Family

$329

$27

Cincinnati Insurance

$368

$31

Grange Insurance

$368

$31

Grange Insurance

$372

$31

Cincinnati Insurance

$383

$32

Nationwide

$384

$32

Westfield

$389

$32

Progressive

$394

$33

GEICO

$397

$33

Grange Insurance

$410

$34

Auto-Owners Insurance Co

$419

$35

Westfield

$429

$36

Travelers

$446

$37

GEICO

$451

$38

Cincinnati Insurance

$454

$38

Westfield

$457

$38

Travelers

$478

$40

Farmers

$508

$42

Travelers

$509

$42

GEICO

$521

$43

Farmers

$526

$44

Nationwide

$569

$47

American Family

$570

$47

Erie

$571

$48

Erie

$583

$49

Allstate

$591

$49

Farmers

$601

$50

American Family

$603

$50

Allstate

$605

$50

Nationwide

$615

$51

American Family

$624

$52

Auto-Owners Insurance Co

$626

$52

Auto-Owners Insurance Co

$650

$54

Allstate

$676

$56

Grange Insurance

$719

$60

Erie

$736

$61

GEICO

$746

$62

Nationwide

$749

$62

Progressive

$760

$63

Grange Insurance

$773

$64

GEICO

$798

$66

Cincinnati Insurance

$801

$67

Progressive

$822

$69

Farmers

$854

$71

Grange Insurance

$859

$72

Cincinnati Insurance

$869

$72

Farmers

$880

$73

Travelers

$883

$74

Westfield

$886

$74

Travelers

$893

$74

Westfield

$895

$75

Auto-Owners Insurance Co

$941

$78

Allstate

$944

$79

Allstate

$991

$83

GEICO

$1,016

$85

Travelers

$1,048

$87

Cincinnati Insurance

$1,059

$88

Farmers

$1,060

$88

Progressive

$1,078

$90

Westfield

$1,151

$96

Allstate

$1,214

$101

State Farm

$2,530

$211

State Farm

$2,688

$224

State Farm

$3,275

$273

State Farm

$3,753

$313

State Farm

$4,007

$334

State Farm

$5,082

$424

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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A minimum coverage policy in Ohio only provides bodily injury and property damage coverage with the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

The liability limits on your auto insurance policy represent the maximum your insurer will pay in an at-fault accident. For example, with a maximum of $25,000 for injuries of each passenger, up to $50,000 per accident, if the other driver sustains injuries of $30,000 and their passenger’s injuries total $20,000, the insurance company would pay $25,000 and $20,000, for a total of $45,000 for the accident. The remaining $5,000 for the driver that is above the per person max of $25,000 would be your responsibility.

Cheapest Full Coverage Car Insurance in Cincinnati

MoneyGeek found the following insurance providers offer the average cheapest car insurance for drivers looking for a full coverage policy in Cincinnati:

  • Erie: $583 per year
  • American Family: $603 per year

The most expensive car insurance company is State Farm, charging around $4,007 per year for full coverage in Cincinnati.

Our research shows Nationwide provides the cheapest car insurance in Ohio, with an average cost of $485 per year for full coverage. Your location significantly matters when it comes to car insurance rates, and as you can see, Nationwide isn't the lowest-priced insurer in Cincinnati for full coverage, even though it averages the cheapest rate across all Ohio cities.

Company
Annual Premium
Monthly Premium

Erie

$221

$18

Erie

$224

$19

Erie

$283

$24

Progressive

$291

$24

Auto-Owners Insurance Co

$294

$25

Nationwide

$294

$25

Auto-Owners Insurance Co

$296

$25

Nationwide

$307

$26

Progressive

$313

$26

American Family

$321

$27

American Family

$322

$27

American Family

$329

$27

Cincinnati Insurance

$368

$31

Grange Insurance

$368

$31

Grange Insurance

$372

$31

Cincinnati Insurance

$383

$32

Nationwide

$384

$32

Westfield

$389

$32

Progressive

$394

$33

GEICO

$397

$33

Grange Insurance

$410

$34

Auto-Owners Insurance Co

$419

$35

Westfield

$429

$36

Travelers

$446

$37

GEICO

$451

$38

Cincinnati Insurance

$454

$38

Westfield

$457

$38

Travelers

$478

$40

Farmers

$508

$42

Travelers

$509

$42

GEICO

$521

$43

Farmers

$526

$44

Nationwide

$569

$47

American Family

$570

$47

Erie

$571

$48

Erie

$583

$49

Allstate

$591

$49

Farmers

$601

$50

American Family

$603

$50

Allstate

$605

$50

Nationwide

$615

$51

American Family

$624

$52

Auto-Owners Insurance Co

$626

$52

Auto-Owners Insurance Co

$650

$54

Allstate

$676

$56

Grange Insurance

$719

$60

Erie

$736

$61

GEICO

$746

$62

Nationwide

$749

$62

Progressive

$760

$63

Grange Insurance

$773

$64

GEICO

$798

$66

Cincinnati Insurance

$801

$67

Progressive

$822

$69

Farmers

$854

$71

Grange Insurance

$859

$72

Cincinnati Insurance

$869

$72

Farmers

$880

$73

Travelers

$883

$74

Westfield

$886

$74

Travelers

$893

$74

Westfield

$895

$75

Auto-Owners Insurance Co

$941

$78

Allstate

$944

$79

Allstate

$991

$83

GEICO

$1,016

$85

Travelers

$1,048

$87

Cincinnati Insurance

$1,059

$88

Farmers

$1,060

$88

Progressive

$1,078

$90

Westfield

$1,151

$96

Allstate

$1,214

$101

State Farm

$2,530

$211

State Farm

$2,688

$224

State Farm

$3,275

$273

State Farm

$3,753

$313

State Farm

$4,007

$334

State Farm

$5,082

$424

Policyholders opting for a full coverage policy get comprehensive and collision insurance.

  • Comprehensive insurance: This coverage will help you repair or replace your vehicle if there’s any damage because of incidents like theft, fire, vandalism or severe weather events.
  • Collision insurance: This coverage pays for your vehicle’s repair or replacement if you damage it in an at-fault accident.

Purchasing full coverage may not be worth it if you own an older vehicle with a low value since the policy costs much more than liability only.

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Cheapest Car Insurance in Cincinnati After a Driving Offense

The following companies have the average cheapest auto insurance for drivers with a moving violation on their record in Cincinnati and full coverage:

  • Speeding ticket: Erie ($641 per year)
  • At-fault accident: American Family ($789 per year)
  • DUI: American Family ($760 per year)

State Farm is the most expensive company, charging an average of $4,887 per year with an at-fault accident and $4,448 per year with a DUI or a speeding ticket.

An unfavorable driving history can significantly increase your auto insurance premium, so the lowest-priced option for you will still cost more than for someone with a clean record.

Company
Annual Premium
Monthly Premium

Erie

$245

$20

Erie

$248

$21

Auto-Owners Insurance Co

$294

$25

Auto-Owners Insurance Co

$296

$25

Erie

$316

$26

Erie

$321

$27

Erie

$326

$27

Progressive

$380

$32

Nationwide

$387

$32

Erie

$398

$33

Progressive

$402

$33

Erie

$402

$34

Nationwide

$403

$34

American Family

$404

$34

American Family

$404

$34

Progressive

$407

$34

American Family

$409

$34

American Family

$409

$34

American Family

$412

$34

American Family

$412

$34

Erie

$413

$34

American Family

$413

$34

American Family

$417

$35

Auto-Owners Insurance Co

$419

$35

American Family

$420

$35

Progressive

$436

$36

Cincinnati Insurance

$436

$36

Cincinnati Insurance

$452

$38

Auto-Owners Insurance Co

$458

$38

Auto-Owners Insurance Co

$462

$38

Progressive

$463

$39

Westfield

$466

$39

GEICO

$477

$40

Grange Insurance

$485

$40

Nationwide

$486

$41

Progressive

$492

$41

Nationwide

$493

$41

Grange Insurance

$496

$41

Erie

$508

$42

Nationwide

$512

$43

Westfield

$514

$43

Grange Insurance

$532

$44

Cincinnati Insurance

$538

$45

Grange Insurance

$539

$45

GEICO

$547

$46

Westfield

$548

$46

Grange Insurance

$575

$48

Progressive

$580

$48

Grange Insurance

$584

$49

Grange Insurance

$592

$49

Grange Insurance

$592

$49

GEICO

$611

$51

Nationwide

$611

$51

Travelers

$613

$51

Nationwide

$618

$51

Auto-Owners Insurance Co

$626

$52

Erie

$627

$52

Farmers

$635

$53

Progressive

$635

$53

Nationwide

$637

$53

Erie

$641

$53

Travelers

$643

$54

GEICO

$643

$54

Auto-Owners Insurance Co

$650

$54

Grange Insurance

$650

$54

Travelers

$651

$54

Auto-Owners Insurance Co

$655

$55

Progressive

$660

$55

Westfield

$660

$55

Auto-Owners Insurance Co

$661

$55

Auto-Owners Insurance Co

$666

$55

Travelers

$685

$57

Cincinnati Insurance

$687

$57

Farmers

$690

$57

Allstate

$696

$58

Westfield

$699

$58

Travelers

$708

$59

Cincinnati Insurance

$715

$60

Allstate

$715

$60

American Family

$721

$60

American Family

$721

$60

Westfield

$728

$61

Farmers

$728

$61

Travelers

$729

$61

Farmers

$733

$61

Nationwide

$736

$61

Nationwide

$739

$62

American Family

$749

$62

Allstate

$753

$63

Travelers

$756

$63

GEICO

$758

$63

American Family

$760

$63

American Family

$760

$63

Travelers

$765

$64

Allstate

$775

$65

American Family

$783

$65

American Family

$783

$65

American Family

$789

$66

Nationwide

$794

$66

Erie

$804

$67

Erie

$808

$67

Allstate

$808

$67

American Family

$815

$68

Farmers

$815

$68

Allstate

$816

$68

Erie

$817

$68

Farmers

$827

$69

Farmers

$828

$69

GEICO

$835

$70

Allstate

$841

$70

Travelers

$844

$70

Cincinnati Insurance

$849

$71

Allstate

$881

$73

Cincinnati Insurance

$903

$75

Farmers

$913

$76

GEICO

$926

$77

Farmers

$929

$77

Nationwide

$932

$78

Cincinnati Insurance

$939

$78

Nationwide

$940

$78

Auto-Owners Insurance Co

$941

$78

Auto-Owners Insurance Co

$944

$79

Cincinnati Insurance

$944

$79

Auto-Owners Insurance Co

$949

$79

GEICO

$959

$80

Allstate

$961

$80

Auto-Owners Insurance Co

$979

$82

Erie

$984

$82

Erie

$994

$83

Nationwide

$996

$83

Progressive

$1,000

$83

Grange Insurance

$1,009

$84

GEICO

$1,016

$85

Cincinnati Insurance

$1,026

$86

Grange Insurance

$1,029

$86

Erie

$1,031

$86

Progressive

$1,037

$86

Grange Insurance

$1,042

$87

Westfield

$1,060

$88

Grange Insurance

$1,063

$89

Westfield

$1,071

$89

Progressive

$1,083

$90

GEICO

$1,103

$92

Cincinnati Insurance

$1,116

$93

Grange Insurance

$1,118

$93

Progressive

$1,127

$94

Farmers

$1,137

$95

Allstate

$1,157

$96

GEICO

$1,157

$96

Farmers

$1,159

$97

Grange Insurance

$1,163

$97

Nationwide

$1,165

$97

Nationwide

$1,171

$98

Allstate

$1,217

$101

GEICO

$1,222

$102

Nationwide

$1,228

$102

Grange Insurance

$1,240

$103

Grange Insurance

$1,249

$104

Farmers

$1,251

$104

Cincinnati Insurance

$1,252

$104

Erie

$1,254

$105

GEICO

$1,262

$105

Progressive

$1,264

$105

Travelers

$1,268

$106

Allstate

$1,274

$106

Westfield

$1,283

$107

Farmers

$1,303

$109

Farmers

$1,317

$110

Westfield

$1,322

$110

Travelers

$1,331

$111

Allstate

$1,340

$112

Auto-Owners Insurance Co

$1,347

$112

Westfield

$1,350

$113

Progressive

$1,355

$113

Travelers

$1,373

$114

Westfield

$1,378

$115

Westfield

$1,379

$115

Allstate

$1,380

$115

Travelers

$1,384

$115

Auto-Owners Insurance Co

$1,384

$115

Grange Insurance

$1,388

$116

Westfield

$1,389

$116

GEICO

$1,398

$117

Farmers

$1,402

$117

Nationwide

$1,403

$117

Auto-Owners Insurance Co

$1,425

$119

Farmers

$1,433

$119

Travelers

$1,445

$120

Allstate

$1,452

$121

Travelers

$1,453

$121

Farmers

$1,462

$122

Travelers

$1,481

$123

Cincinnati Insurance

$1,490

$124

Progressive

$1,492

$124

Allstate

$1,511

$126

Progressive

$1,580

$132

Farmers

$1,599

$133

Travelers

$1,608

$134

Travelers

$1,614

$135

Cincinnati Insurance

$1,619

$135

Westfield

$1,645

$137

GEICO

$1,657

$138

Allstate

$1,674

$139

Progressive

$1,778

$148

GEICO

$1,783

$149

Allstate

$1,818

$152

Cincinnati Insurance

$1,958

$163

Cincinnati Insurance

$1,976

$165

Auto-Owners Insurance Co

$2,023

$169

GEICO

$2,055

$171

Cincinnati Insurance

$2,126

$177

GEICO

$2,169

$181

Westfield

$2,520

$210

Westfield

$2,528

$211

Cincinnati Insurance

$2,596

$216

Westfield

$2,784

$232

State Farm

$2,811

$234

State Farm

$2,811

$234

State Farm

$2,987

$249

State Farm

$2,987

$249

State Farm

$3,092

$258

State Farm

$3,286

$274

State Farm

$3,640

$303

State Farm

$3,640

$303

State Farm

$4,003

$334

State Farm

$4,165

$347

State Farm

$4,165

$347

State Farm

$4,448

$371

State Farm

$4,448

$371

State Farm

$4,578

$382

State Farm

$4,887

$407

State Farm

$5,641

$470

State Farm

$5,641

$470

State Farm

$6,200

$517

In some cases, car insurance providers will charge you a higher rate if you have a severe violation on your record. For instance, MoneyGeek found that drivers with a DUI in Cincinnati pay roughly $418 more a year than someone with a speeding ticket.

But you can find affordable car insurance for a poor driving record by comparing rates from different insurers.

Cheapest Car Insurance in Cincinnati for Teens and Their Families

Teen drivers on a family policy with full coverage can find the average cheapest car insurance in Cincinnati from the following companies:

  • Nationwide: $1,159 per year for female teens; $1,348 per year for male teens
  • Allstate: $2,095 per year for male and female teens

The most expensive option is State Farm, with an average cost of $11,411 per year for female teens and $14,603 for male teens with full coverage on a family policy in Cincinnati.

Nationwide charges around $188 more a year to insure male teens than female teens. That may be because insurers generally consider them higher risk. However, the cost difference drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$728

$1,297

Nationwide

$738

$1,415

Nationwide

$753

$1,768

Nationwide

$810

$2,071

Nationwide

$821

$1,463

Nationwide

$837

$1,652

Nationwide

$873

$1,556

Nationwide

$879

$1,685

Nationwide

$889

$1,922

Travelers

$908

$1,736

Nationwide

$937

$1,795

Travelers

$994

$1,821

Travelers

$1,031

$1,971

Travelers

$1,039

$2,197

Travelers

$1,068

$2,042

Nationwide

$1,076

$3,136

Nationwide

$1,110

$3,721

Nationwide

$1,138

$2,673

Travelers

$1,148

$2,102

Nationwide

$1,159

$3,968

Auto-Owners Insurance Co

$1,176

$2,625

Nationwide

$1,183

$3,968

Travelers

$1,189

$2,410

Travelers

$1,192

$2,535

Auto-Owners Insurance Co

$1,198

$2,626

Farmers

$1,221

$1,785

Travelers

$1,243

$2,278

Auto-Owners Insurance Co

$1,244

$2,776

Nationwide

$1,245

$4,132

Farmers

$1,261

$1,887

GEICO

$1,267

$2,094

Nationwide

$1,290

$4,837

Auto-Owners Insurance Co

$1,291

$2,829

Auto-Owners Insurance Co

$1,293

$3,193

GEICO

$1,295

$2,883

GEICO

$1,303

$2,154

GEICO

$1,306

$1,940

Nationwide

$1,310

$3,350

Auto-Owners Insurance Co

$1,320

$2,945

GEICO

$1,327

$1,972

GEICO

$1,332

$2,635

Nationwide

$1,348

$5,164

Allstate

$1,367

$2,619

Allstate

$1,367

$2,619

GEICO

$1,370

$2,266

GEICO

$1,374

$2,574

Nationwide

$1,377

$5,164

Auto-Owners Insurance Co

$1,378

$3,516

Farmers

$1,380

$2,799

Allstate

$1,382

$4,952

Allstate

$1,382

$4,952

Allstate

$1,384

$2,103

Allstate

$1,384

$2,103

Auto-Owners Insurance Co

$1,400

$3,933

Travelers

$1,407

$2,852

Travelers

$1,409

$2,843

GEICO

$1,410

$2,367

GEICO

$1,413

$2,100

Travelers

$1,415

$3,346

Auto-Owners Insurance Co

$1,420

$3,112

Allstate

$1,444

$2,194

Allstate

$1,444

$2,194

Auto-Owners Insurance Co

$1,462

$3,434

Farmers

$1,479

$3,120

Allstate

$1,481

$2,409

Allstate

$1,481

$2,409

Allstate

$1,510

$2,294

Allstate

$1,510

$2,294

Progressive

$1,550

$1,857

Farmers

$1,564

$2,586

Progressive

$1,587

$1,927

Auto-Owners Insurance Co

$1,590

$3,736

Progressive

$1,599

$2,551

Allstate

$1,605

$3,484

Allstate

$1,605

$3,484

Auto-Owners Insurance Co

$1,606

$4,147

Auto-Owners Insurance Co

$1,614

$4,533

Farmers

$1,615

$2,361

GEICO

$1,618

$4,193

Auto-Owners Insurance Co

$1,619

$5,177

Allstate

$1,631

$3,126

Allstate

$1,631

$3,126

Travelers

$1,635

$4,214

Farmers

$1,651

$2,415

Farmers

$1,664

$2,886

GEICO

$1,675

$3,730

Farmers

$1,690

$2,530

GEICO

$1,693

$3,920

Travelers

$1,695

$3,421

Travelers

$1,710

$4,089

Progressive

$1,714

$2,053

Farmers

$1,752

$4,186

Progressive

$1,764

$2,351

GEICO

$1,765

$3,491

GEICO

$1,776

$5,666

Farmers

$1,777

$2,659

Progressive

$1,785

$2,169

Farmers

$1,796

$8,352

Farmers

$1,811

$3,673

Progressive

$1,828

$2,189

GEICO

$1,832

$5,330

Progressive

$1,839

$3,061

Farmers

$1,849

$4,549

Allstate

$1,881

$6,742

Allstate

$1,881

$6,742

Progressive

$1,887

$2,672

Farmers

$1,893

$8,990

Farmers

$1,912

$4,034

Progressive

$1,976

$2,400

Progressive

$1,977

$6,471

GEICO

$2,038

$6,500

Travelers

$2,043

$5,267

Travelers

$2,045

$5,249

Auto-Owners Insurance Co

$2,070

$4,663

Farmers

$2,085

$9,697

Allstate

$2,095

$10,834

Allstate

$2,095

$10,834

Progressive

$2,124

$4,070

GEICO

$2,135

$6,210

Travelers

$2,140

$7,068

GEICO

$2,148

$8,390

Auto-Owners Insurance Co

$2,182

$5,982

Farmers

$2,185

$10,377

Progressive

$2,196

$7,735

Progressive

$2,222

$3,545

Progressive

$2,247

$7,362

Progressive

$2,249

$7,360

Auto-Owners Insurance Co

$2,287

$5,151

GEICO

$2,297

$8,503

Auto-Owners Insurance Co

$2,299

$5,720

Farmers

$2,299

$14,025

Progressive

$2,395

$4,765

Farmers

$2,402

$14,860

Progressive

$2,452

$8,580

Progressive

$2,482

$4,130

Auto-Owners Insurance Co

$2,483

$7,613

Progressive

$2,489

$8,152

Auto-Owners Insurance Co

$2,492

$6,833

Travelers

$2,600

$6,671

Travelers

$2,740

$9,171

State Farm

$5,504

$8,635

State Farm

$6,208

$9,739

State Farm

$6,344

$9,735

State Farm

$6,599

$12,243

State Farm

$6,881

$10,795

State Farm

$7,216

$13,445

State Farm

$7,266

$11,150

State Farm

$7,815

$14,499

State Farm

$8,202

$12,586

State Farm

$8,421

$15,690

State Farm

$8,421

$17,940

State Farm

$8,950

$16,312

State Farm

$9,805

$20,781

State Farm

$10,663

$19,435

State Farm

$10,666

$22,571

State Farm

$11,342

$24,038

State Farm

$11,411

$27,730

State Farm

$12,536

$26,197

State Farm

$14,540

$30,383

State Farm

$14,603

$34,968

Teens cannot buy an auto insurance policy legally if under 18 without a parent or guardian as a co-signer. But if the family takes that route, they should expect the teen to pay a much higher rate than if they were on the family policy.

MoneyGeek found that the average full coverage policy cost in Cincinnati for a 16-year-old male driver is $5,355 per year. If included in the family’s policy, the annual cost is around $2,828 per year. Comparing rates will help you find the cheapest car insurance for teens.

Cheapest Car Insurance in Cincinnati for Military Drivers

The following insurance providers offer the, on average, most affordable full coverage policy in Cincinnati for veterans and active-duty military members:

  • USAA: $486 per year
  • Erie: $583 per year

Both companies also have the cheapest military family car insurance for minimum coverage in Cincinnati. USAA charges an average of $208 per year, while the annual policy cost with Erie is around $224 per year.

Company
Annual Premium
Monthly Premium

USAA

$208

$17

USAA

$220

$18

Erie

$221

$18

Erie

$224

$19

USAA

$272

$23

Erie

$283

$24

Progressive

$291

$24

Auto-Owners Insurance Co

$294

$25

Nationwide

$294

$25

Auto-Owners Insurance Co

$296

$25

Nationwide

$307

$26

Progressive

$313

$26

American Family

$321

$27

American Family

$322

$27

American Family

$329

$27

Grange Insurance

$368

$31

Cincinnati Insurance

$368

$31

Grange Insurance

$372

$31

Cincinnati Insurance

$383

$32

Nationwide

$384

$32

Westfield

$389

$32

Progressive

$394

$33

GEICO

$397

$33

Grange Insurance

$410

$34

Auto-Owners Insurance Co

$419

$35

Westfield

$429

$36

Travelers

$446

$37

GEICO

$451

$38

Cincinnati Insurance

$454

$38

Westfield

$457

$38

USAA

$476

$40

Travelers

$478

$40

USAA

$486

$41

Farmers

$508

$42

Travelers

$509

$42

GEICO

$521

$43

Farmers

$526

$44

Nationwide

$569

$47

American Family

$570

$47

Erie

$571

$48

Erie

$583

$49

Allstate

$591

$49

Farmers

$601

$50

American Family

$603

$50

Allstate

$605

$50

Nationwide

$615

$51

American Family

$624

$52

Auto-Owners Insurance Co

$626

$52

USAA

$638

$53

Auto-Owners Insurance Co

$650

$54

Allstate

$676

$56

Grange Insurance

$719

$60

Erie

$736

$61

GEICO

$746

$62

Nationwide

$749

$62

Progressive

$760

$63

Grange Insurance

$773

$64

GEICO

$798

$66

Cincinnati Insurance

$801

$67

Progressive

$822

$69

Farmers

$854

$71

Grange Insurance

$859

$72

Cincinnati Insurance

$869

$72

Farmers

$880

$73

Travelers

$883

$74

Westfield

$886

$74

Travelers

$893

$74

Westfield

$895

$75

Auto-Owners Insurance Co

$941

$78

Allstate

$944

$79

Allstate

$991

$83

GEICO

$1,016

$85

Travelers

$1,048

$87

Cincinnati Insurance

$1,059

$88

Farmers

$1,060

$88

Progressive

$1,078

$90

Westfield

$1,151

$96

Allstate

$1,214

$101

State Farm

$2,530

$211

State Farm

$2,688

$224

State Farm

$3,275

$273

State Farm

$3,753

$313

State Farm

$4,007

$334

State Farm

$5,082

$424

How to Compare Cheap Cincinnati Car Insurance Quotes Online

If you’re interested in getting an online quote for car insurance in Cincinnati, you should know that it can take 15 or more minutes per company, and you will have to answer various questions and input personal details.

MoneyGeek’s car insurance calculator estimates your car insurance costs from multiple companies based on your driving history, coverage level, age and vehicle type. It is a quick way to see how much you may pay with different companies in Cincinnati.

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Cheapest Car Insurance in Cincinnati for Young Adults

MoneyGeek found that young drivers will get the average cheapest full coverage car insurance in Cincinnati from the following companies:

  • American Family: $624 per year
  • Erie: $736 per year

State Farm has the most expensive policy for young drivers in Cincinnati, charging an average of $5,082 annually for full coverage.

The average cost for a 25-year-old driver’s full coverage policy in Cincinnati is $1,278 per year. For a 40-year-old driver, it is around $1,024 per year.

Insurance providers may charge more to insure young drivers because they have less experience and may be more prone to causing accidents or speeding.

Company
Annual Premium
Monthly Premium

Erie

$221

$18

Erie

$224

$19

Erie

$283

$24

Progressive

$291

$24

Auto-Owners Insurance Co

$294

$25

Nationwide

$294

$25

Auto-Owners Insurance Co

$296

$25

Nationwide

$307

$26

Progressive

$313

$26

American Family

$321

$27

American Family

$322

$27

American Family

$329

$27

Cincinnati Insurance

$368

$31

Grange Insurance

$368

$31

Grange Insurance

$372

$31

Cincinnati Insurance

$383

$32

Nationwide

$384

$32

Westfield

$389

$32

Progressive

$394

$33

GEICO

$397

$33

Grange Insurance

$410

$34

Auto-Owners Insurance Co

$419

$35

Westfield

$429

$36

Travelers

$446

$37

GEICO

$451

$38

Cincinnati Insurance

$454

$38

Westfield

$457

$38

Travelers

$478

$40

Farmers

$508

$42

Travelers

$509

$42

GEICO

$521

$43

Farmers

$526

$44

Nationwide

$569

$47

American Family

$570

$47

Erie

$571

$48

Erie

$583

$49

Allstate

$591

$49

Farmers

$601

$50

American Family

$603

$50

Allstate

$605

$50

Nationwide

$615

$51

American Family

$624

$52

Auto-Owners Insurance Co

$626

$52

Auto-Owners Insurance Co

$650

$54

Allstate

$676

$56

Grange Insurance

$719

$60

Erie

$736

$61

GEICO

$746

$62

Nationwide

$749

$62

Progressive

$760

$63

Grange Insurance

$773

$64

GEICO

$798

$66

Cincinnati Insurance

$801

$67

Progressive

$822

$69

Farmers

$854

$71

Grange Insurance

$859

$72

Cincinnati Insurance

$869

$72

Farmers

$880

$73

Travelers

$883

$74

Westfield

$886

$74

Travelers

$893

$74

Westfield

$895

$75

Auto-Owners Insurance Co

$941

$78

Allstate

$944

$79

Allstate

$991

$83

GEICO

$1,016

$85

Travelers

$1,048

$87

Cincinnati Insurance

$1,059

$88

Farmers

$1,060

$88

Progressive

$1,078

$90

Westfield

$1,151

$96

Allstate

$1,214

$101

State Farm

$2,530

$211

State Farm

$2,688

$224

State Farm

$3,275

$273

State Farm

$3,753

$313

State Farm

$4,007

$334

State Farm

$5,082

$424

Cheapest Car Insurance in Cincinnati for Seniors

On average, the most affordable car insurance companies for seniors looking for a full coverage policy in Cincinnati are:

  • Nationwide: $569 per year
  • American Family: $570 per year

State Farm is the most expensive car insurance company for seniors in Cincinnati, charging an average of $3,753 annually for full coverage.

MoneyGeek found that the average cost a year is $1,024 for a 40-year-old driver with full coverage in Cincinnati, while the average annual cost for a 65-year-old driver is $981 — around $43 less.

Although car insurance generally costs more for seniors, that’s not the case in Cincinnati.

Company
Annual Premium
Monthly Premium

Erie

$221

$18

Erie

$224

$19

Erie

$283

$24

Progressive

$291

$24

Auto-Owners Insurance Co

$294

$25

Nationwide

$294

$25

Auto-Owners Insurance Co

$296

$25

Nationwide

$307

$26

Progressive

$313

$26

American Family

$321

$27

American Family

$322

$27

American Family

$329

$27

Cincinnati Insurance

$368

$31

Grange Insurance

$368

$31

Grange Insurance

$372

$31

Cincinnati Insurance

$383

$32

Nationwide

$384

$32

Westfield

$389

$32

Progressive

$394

$33

GEICO

$397

$33

Grange Insurance

$410

$34

Auto-Owners Insurance Co

$419

$35

Westfield

$429

$36

Travelers

$446

$37

GEICO

$451

$38

Cincinnati Insurance

$454

$38

Westfield

$457

$38

Travelers

$478

$40

Farmers

$508

$42

Travelers

$509

$42

GEICO

$521

$43

Farmers

$526

$44

Nationwide

$569

$47

American Family

$570

$47

Erie

$571

$48

Erie

$583

$49

Allstate

$591

$49

Farmers

$601

$50

American Family

$603

$50

Allstate

$605

$50

Nationwide

$615

$51

American Family

$624

$52

Auto-Owners Insurance Co

$626

$52

Auto-Owners Insurance Co

$650

$54

Allstate

$676

$56

Grange Insurance

$719

$60

Erie

$736

$61

GEICO

$746

$62

Nationwide

$749

$62

Progressive

$760

$63

Grange Insurance

$773

$64

GEICO

$798

$66

Cincinnati Insurance

$801

$67

Progressive

$822

$69

Farmers

$854

$71

Grange Insurance

$859

$72

Cincinnati Insurance

$869

$72

Farmers

$880

$73

Travelers

$883

$74

Westfield

$886

$74

Travelers

$893

$74

Westfield

$895

$75

Auto-Owners Insurance Co

$941

$78

Allstate

$944

$79

Allstate

$991

$83

GEICO

$1,016

$85

Travelers

$1,048

$87

Cincinnati Insurance

$1,059

$88

Farmers

$1,060

$88

Progressive

$1,078

$90

Westfield

$1,151

$96

Allstate

$1,214

$101

State Farm

$2,530

$211

State Farm

$2,688

$224

State Farm

$3,275

$273

State Farm

$3,753

$313

State Farm

$4,007

$334

State Farm

$5,082

$424

Cheapest Car Insurance in Cincinnati for Poor Credit

MoneyGeek found that the following companies offer the average cheapest full coverage car insurance for drivers with bad credit in Cincinnati:

  • Nationwide: $836 per year
  • Grange: $981 per year

State Farm charges the highest rate to insure a driver with poor credit in Cincinnati. On average, its full coverage policy costs $8,968 per year.

A full coverage car insurance policy in Cincinnati for drivers with bad credit could be around 85% or $875 per year more expensive than for someone with a good credit history.

Company
Annual Premium
Monthly Premium

Nationwide

$399

$33

Nationwide

$417

$35

Erie

$450

$38

Erie

$455

$38

Grange Insurance

$470

$39

Grange Insurance

$472

$39

Progressive

$484

$40

Grange Insurance

$514

$43

Progressive

$524

$44

American Family

$526

$44

Nationwide

$526

$44

American Family

$526

$44

American Family

$552

$46

Cincinnati Insurance

$557

$46

GEICO

$572

$48

Erie

$578

$48

Cincinnati Insurance

$580

$48

Progressive

$654

$55

GEICO

$660

$55

Cincinnati Insurance

$688

$57

Travelers

$705

$59

Westfield

$722

$60

Travelers

$737

$61

Farmers

$752

$63

GEICO

$768

$64

Nationwide

$769

$64

Farmers

$780

$65

Westfield

$795

$66

Travelers

$795

$66

Auto-Owners Insurance Co

$803

$67

Allstate

$803

$67

Auto-Owners Insurance Co

$809

$67

Allstate

$827

$69

Nationwide

$836

$70

Westfield

$848

$71

Farmers

$890

$74

Grange Insurance

$908

$76

Allstate

$946

$79

American Family

$954

$79

Grange Insurance

$981

$82

American Family

$1,011

$84

Nationwide

$1,030

$86

American Family

$1,060

$88

Grange Insurance

$1,095

$91

GEICO

$1,125

$94

Auto-Owners Insurance Co

$1,147

$96

GEICO

$1,206

$101

Cincinnati Insurance

$1,210

$101

Erie

$1,278

$107

Erie

$1,304

$109

Cincinnati Insurance

$1,310

$109

Progressive

$1,332

$111

Farmers

$1,364

$114

Travelers

$1,390

$116

Farmers

$1,397

$116

Allstate

$1,412

$118

Travelers

$1,418

$118

Progressive

$1,442

$120

Allstate

$1,493

$124

GEICO

$1,550

$129

Westfield

$1,596

$133

Cincinnati Insurance

$1,602

$134

Westfield

$1,617

$135

Travelers

$1,642

$137

Erie

$1,643

$137

Farmers

$1,686

$141

Auto-Owners Insurance Co

$1,754

$146

Auto-Owners Insurance Co

$1,826

$152

Allstate

$1,874

$156

Progressive

$1,889

$157

Westfield

$2,065

$172

Auto-Owners Insurance Co

$2,651

$221

State Farm

$5,663

$472

State Farm

$6,016

$501

State Farm

$7,331

$611

State Farm

$8,398

$700

State Farm

$8,968

$747

State Farm

$11,373

$948

Car insurers may view drivers with a bad credit history or low credit-based insurance scores as more likely to make claims, causing them to charge a higher rate. Such drivers may lower their car insurance costs by bundling policies, comparing quotes and looking for discounts. You may also take steps to improve your credit score, such as making payments on time.

Cheapest Car Insurance in Cincinnati for Sports Cars

The following companies have the average cheapest auto insurance for drivers with sports cars and a full coverage policy in Cincinnati:

  • American Family: $555 per year
  • Auto-Owners: $663 per year

State Farm is the most expensive car insurance company with a sports car in Cincinnati, charging an average of $4,838 annually for full coverage.

MoneyGeek found that the average car insurance cost in Cincinnati for insuring a Ford Mustang sports car is roughly 24% more than insuring a standard Toyota Camry, as Ford Mustang owners pay around $250 per year more for a full coverage policy.

Company
Annual Premium
Monthly Premium

Progressive

$267

$22

Auto-Owners Insurance Co

$293

$24

Auto-Owners Insurance Co

$295

$25

Progressive

$297

$25

Nationwide

$311

$26

American Family

$316

$26

American Family

$317

$26

American Family

$324

$27

Nationwide

$325

$27

GEICO

$329

$27

GEICO

$371

$31

Progressive

$383

$32

Travelers

$390

$32

Farmers

$394

$33

Nationwide

$407

$34

Farmers

$408

$34

Travelers

$415

$35

Auto-Owners Insurance Co

$419

$35

GEICO

$425

$35

Travelers

$442

$37

Farmers

$464

$39

American Family

$527

$44

Allstate

$529

$44

Allstate

$541

$45

American Family

$555

$46

American Family

$573

$48

Allstate

$599

$50

Auto-Owners Insurance Co

$644

$54

Auto-Owners Insurance Co

$663

$55

Farmers

$772

$64

Nationwide

$773

$64

Farmers

$812

$68

GEICO

$849

$71

Travelers

$850

$71

Travelers

$851

$71

Nationwide

$852

$71

GEICO

$866

$72

Progressive

$891

$74

Allstate

$946

$79

Auto-Owners Insurance Co

$963

$80

Farmers

$983

$82

Allstate

$999

$83

Travelers

$1,013

$84

Progressive

$1,045

$87

Nationwide

$1,047

$87

GEICO

$1,163

$97

Allstate

$1,239

$103

Progressive

$1,434

$119

State Farm

$2,808

$234

State Farm

$2,984

$249

State Farm

$3,636

$303

State Farm

$4,527

$377

State Farm

$4,838

$403

State Farm

$6,204

$517

MoneyGeek’s sample sports car is a Ford Mustang, so the policy cost may change depending on your car’s make and model. And insurers generally charge higher rates to insure luxury, sports and electric cars.

Average Cost of Car Insurance in Cincinnati

MoneyGeek found the average cost of car insurance in Cincinnati is $1,024 per year — around $91 more than the average car insurance cost in Ohio and roughly $241 less than the average cost in the U.S. In addition to other factors, your location may significantly affect your car insurance cost.

For example, drivers in Akron pay an average of $918 per year for a policy, while the average annual cost in Cleveland is $937. Both are less than Cincinnati.

The rates above are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Columbus

$917

$498

Akron

$918

$498

Dayton

$933

$499

Cleveland

$937

$511

Cincinnati

$1,024

$558

Toledo

$1,044

$577

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.