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Busy cities are often synonymous with traffic jams and stressful situations on the road, but Cincinnati is unlike most metropolitan areas. While over 300,00 people live in the city itself and more than 2 million reside in the greater metro area, there’s little traffic outside of rush hour. Finding parking downtown tends to be easy, and drivers are generally pretty courteous. Even with these ideal driving conditions, it’s a smart idea to enroll in auto insurance that will protect you in the event of an accident.
The average cost of Ohio car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Cincinnati, OH to find you the cheapest quotes in the area.
Here are the cheapest carriers in Cincinnati for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
Progressive | $39/mo |
 State Farm | $68/mo |
 Liberty Mutual | $127/mo |
 Nationwide | $157/mo |
 The General | $174/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Cincinnati. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 Clearcover | $94/mo | |
 American Family | $135/mo | |
Nationwide | $202/mo | |
 Safeco | $115/mo | |
Liberty Mutual | $163/mo |
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Liability insurance comprised of bodily injury liability and property damage liability, is mandatory coverage for all drivers in the state of Ohio.
According to the Bureau of Motor Vehicles (BMV), proof of insurance must be carried in the vehicle and shown at traffic stops, vehicle inspections, and accident scenes. Minimum coverages for car insurance in the state of Ohio are:
Ohioans are so invested in their residents purchasing liability insurance that its government has any driver applying for a driver’s license sign a document that affirms auto insurance coverage and knowledge of the penalties of driving uninsured.
Hard-working teenagers in Cincinnati should be able to pay their car insurance bill and still have a little spending money left over. As the driving experience increases, the cost of car insurance goes down. Twentysomethings pay $100 less than the youngest drivers, and the prices continue to lower as drivers add decades. Drivers in their 60s get the best rates, and they pay an average of $131 per month, which is $33 less than the $164 state average. Even as dexterity goes down for drivers in their 70s and 80s, those drivers still pay less than half of what teenagers pay.
| Driver's Age | |
|---|---|
| teens | $319 |
| 20s | $195 |
| 30s | $143 |
| 40s | $170 |
| 50s | $176 |
| 60s | $132 |
| 70s | $148 |
| 80s | $143 |
| Driving History | |
|---|---|
| No Violation | $164 |
| Speeding Ticket | $187 |
| At-Fault Accident | $197 |
| Failure to Stop for Red Light / Stop Sign | $222 |
Ohioans know that safe driving is smart on the road and the wallet. A clean driving history qualifies drivers for discounts such as the “good driver” and “accident-free” price cuts that many insurance companies offer. A failure-to-stop violation bumps up a driver’s rate around $59 in Cincinnati. When do the prices go back down after a ticket or accident? After three years of careful driving, people can once again get the lowest monthly prices.
'Like most states in the U.S., the Buckeye State lets insurance companies factor in drivers'' credit scores when setting rates. Many people are confused about how their credit affects their ability to drive. But the insurance companies can show a correlation. In Cincinnati, drivers generally pay less as their credit scores increase. People with excellent credit pay $174 per month, a price higher than those with average and good credit. Why? Often, people with better credit finance costlier vehicles and buy higher levels of coverage to protect their assets.'
| Credit Tie | |
|---|---|
| Excellent | $174 |
| Good | $164 |
| Average | $169 |
| Poor | $180 |
The Ohio Bureau of Motor Vehicles operates multiple office locations in Cincinnati with other neighboring cities also providing DMV services. It’s recommended that you check the hours of the location you want to visit before getting in the car, as some open or close later on certain days. Many of the offices in Cincinnati are also open for a few hours on Saturdays to help serve more residents.
Navigating the twists and turns of Cincinnati’s hills is easy, even when you don’t have a vehicle. If you’re in the downtown area, you can hop on the Cincinnati Bell Connector, the city’s streetcar, or opt to utilize one of the many bus routes available. Car rentals, taxis, Uber, and Lyft are popular options if you require a bit more privacy while you travel. During sunny days, you can also get around town via Cincy Red Bike, a bikesharing program, or by renting a Bird electric scooter.
If you’re planning a trip to Cincinnati, it’s nice to know that you can get around pretty easily without a vehicle. Others who live in the area get to enjoy the best of both worlds—the excitement of a bustling city without much of the traffic that typically comes along with it. As if things couldn’t get better, you’ll probably be pleasantly surprised when you see your auto insurance bill!
It’s never a bad idea to shop for a cheaper car insurance policy, so let Insurify take the guesswork out for you. Simply answer a few questions about your vehicle and your driving history, and you’ll be able to compare real-time quotes in a matter of minutes.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Cincinnati drivers measure up to their fellow Ohio motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Cincinnati drivers rank 8 in the number of car accidents per driver across all cities in Ohio.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Ohio, Cincinnati drivers rank 16 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Cincinnati drivers rank 18 in the number of DUI’s per driver across all cities in Ohio.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Cincinnati is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Ohio, Cincinnati drivers rank 4 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Cincinnati drivers rank 6 in clean driving records across all cities in Ohio.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Cincinnati drivers rank 7 in failure to yield violations per driver across all cities in Ohio.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Ohio, Cincinnati drivers rank 4 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Cincinnati drivers rank 6 in hybrid and electric vehicle ownership across all cities in Ohio.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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