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Cheapest Car Insurance Quotes in Cincinnati, OH (2023)

Mile Auto, Travelers, and Grange offer the cheapest car insurance for full-coverage insurance in Cincinnati.

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John Egan
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John Egan
John Egan
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John Egan
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
Chris Schafer
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Chris Schafer
Chris Schafer
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Chris Schafer
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Chris is Insurify’s Senior Editor for home insurance. He’s a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more. He is passionate about breaking down complex subject material to make important information accessible to everyone. Chris began his career as a journalist, managing two weekly newspapers, then moving into marketing and content marketing roles. Before joining Insurify, Chris served as the content strategy manager at Siteimprove and as the content manager at Brandpoint, where he managed a team of content creators. Away from work, Chris is an active hockey player and proud father of two rambunctious little girls. Chris holds a Bachelor’s degree in English with a minor in mass communications from the University of Minnesota. 
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated August 31, 2022

Transportation costs gobble up more money in the typical U.S. household than everything but housing.[1] So, motorists in Cincinnati and the rest of Ohio can be thankful that the cost of car insurance is relatively low compared with other states.

“Historically, Ohio has one of the lowest average auto insurance premiums in the country,” says Robert Denhard, a spokesman for the Ohio Department of Insurance.

Still, Cincinnati drivers pay just a bit more than the statewide average of $146, according to Insurify Data. Minimum-coverage car insurance in Cincinnati costs an average of $7 more (nearly 5%) per month.

How much does car insurance cost in Cincinnati?

Insurance costs can vary widely in Cincinnati, based on your driving record, the type of car you drive, and other factors. To find the best insurance to meet your needs, be sure to compare quotes from several insurance companies.

To find the cheapest quotes in Cincinnati, Insurify data scientists analyzed the latest insurance rates in the city. They found a monthly range of $61 to $215 for liability-only insurance, $94 to $447 for full-coverage insurance, and $109 to $426 for coverage of new/young drivers.

They also found the insurers with the cheapest liability-only insurance, cheapest full-coverage insurance, and cheapest insurance for new/young drivers in Cincinnati were:

  • Mile Auto offers the cheapest liability-only insurance in Cincinnati.

  • Mile Auto offers the cheapest full-coverage insurance in Cincinnati.

  • Travelers offers the cheapest insurance for new/young drivers in Cincinnati.

Learn More: How Much Car Insurance Do I Need?

Average cost of auto insurance in Cincinnati

The average monthly cost of car insurance in Cincinnati varies widely, as you can see in the table below. 

Insurance CompanyAverage Monthly Quote
Mile Auto$81
Travelers$96
Grange$103
Certainly $108
Safeco$114
Elephant$116
National General$116
Midvale Home & Auto$119
Clearcover$121
Foremost Signature$127
Stillwater$128
Kemper Preferred$135
State Auto$136
Nationwide$147
Progressive$149
Commonwealth Casualty$150
GAINSCO$161
Direct Auto$174
SafeAuto$175
Liberty Mutual$185
The General$196
Acuity$208
CSAA$214
Kemper Specialty$232
Kemper$247
Bristol West$279
Dairyland$324
Hugo$333
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average car insurance premiums in Cincinnati by marital status

Your marital status can affect how much you pay for car insurance. Why? Because insurers view married people as safer, more financially stable drivers. Therefore, insurers charge married drivers less than single drivers.

Insurify’s data shows that in Cincinnati, a married driver pays an average of $174 a month for full coverage, compared with $212 for a single driver who’s buying full coverage.

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Cheapest car insurance in Cincinnati: Mile Auto 

Mile Auto’s cheapest rate for liability-only insurance is $61 a month, Insurify data shows. Meanwhile, the company’s cheapest rate for full-coverage insurance is $94. These rates can be affected by numerous factors such as age, gender, and location. Therefore, you may pay more or less than these averages.

Insurance CompanyLiability OnlyFull Coverage
Mile Auto$61$122
Travelers$75$125
Grange$65$137
Certainly$99$126
Safeco$77$119
Elephant$96$132
National General$85$140
Midvale Home & Auto$85$139
Clearcover$127$142
Foremost Signature$87$153
Stillwater$29$170
Kemper Preferred$69$183
State Auto$89$186
Nationwide$102$142
Progressive$110$226
Commonwealth Casualty$90$190
GAINSCO$124$217
Direct Auto$212$216
SafeAuto$109$237
Liberty Mutual$171$278
The General$163$294
Acuity$123$312
CSAA$172$398
Kemper Specialty$148$447
Kemper$147$247
Bristol West$215$279
Dairyland$207$324
Hugo$146$333
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How much car insurance do you need in Cincinnati?

All motor vehicles operated or parked on Ohio roadways must be insured. Proof of insurance must be carried in your car at all times. You must also be able to provide proof of insurance at traffic stops, accident scenes, and vehicle inspections.

The minimum liability insurance requirements for private passenger vehicles in Ohio are:[2]

  • $25,000 per person and $50,000 per accident for bodily injury liability: Bodily injury coverage pays medical bills for people other than the policyholder who are injured during an accident. Ohio is an at-fault state, meaning the driver who’s responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance company or out of their own pocket.

  • $25,000 per accident for property damage liability: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property belonging to other people. Property damage coverage also can pay legal costs if the insured driver faces an accident-related lawsuit. 

“Ohio does not mandate uninsured/underinsured motorist coverage like many other states, but it’s important that consumers look into this coverage to ensure they are protected in the event of injury by an uninsured/underinsured or hit-and-run driver who’s at fault for the accident,” Denhard says.

Read More: How Long Does it Take to Get Car Insurance? A Consumer Guide

Cincinnati DMV information

Ohio’s Bureau of Motor Vehicles (BMV) handles licensing and registration, as well as license suspensions and reinstatements. To take care of vehicle matters online, visit the Ohio BMV website.

Tips for getting cheap car insurance in Cincinnati

You have many ways to reduce your car insurance cost in Cincinnati, including:

  • Bundle your car insurance with your homeowners insurance. An insurer may reward you if you insure both your car and home with the company.

  • Pursue discounts. Car insurers offer a number of discounts if you complete a defensive driving course or raise your deductible.

  • Maintain a clean driving record. You may be able to reduce your insurance premium by going accident-free and ticket-free for several years.

  • Raise your deductible. If you bump up your deductible from, say, $500 to $1,000, you can significantly reduce your premium.

  • Shop around. The Insurance Information Institute suggests obtaining quotes from at least three insurance companies before deciding on coverage. Compare the quotes based on price and coverage.

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Cincinnati 

Generally, drivers 25 and under pay more for car insurance because they tend to get into more accidents than older, more mature drivers do.[3] You can see in the table below how your age can affect the rate you’ll pay for insurance.

Age GroupAverage Monthly Rate
Teenagers$349
Under 25$242
25-29$184
30s$159
40s$150
50s$130
60s$117
70s$115
80+$117
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for young drivers in Cincinnati

For young drivers in Cincinnati, Travelers sells the cheapest car insurance ($109 a month). One way a young driver can reduce insurance costs is by maintaining good grades, which could qualify them for a good student discount. The table below shows insurance rate options for young drivers.

Insurance CompanyAverage Monthly Rate
Travelers$109
Mile Auto$110
Grange$131
Elephant$133
Kemper Preferred$136
National General$141
Safeco$150
Clearcover$164
Certainly$165
Nationwide$180
Progressive$185
State Auto$194
Midvale Home & Auto$195
GAINSCO$200
Commonwealth Casualty$202
SafeAuto$202
Direct Auto$208
Acuity$226
Liberty Mutual$248
Foremost Signature$249
Kemper Specialty$257
CSAA$264
The General$268
Kemper$315
Hugo$331
Bristol West$350
Dairyland$426
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for middle-aged drivers in Cincinnati

At $52 a month, Stillwater sells the cheapest car insurance for middle-aged drivers in Cincinnati. To reduce their car insurance premiums, middle-aged drivers should shop around for coverage, explore discounts, and consider raising their deductible.

Insurance CompanyAverage Monthly Rate
Stillwater$52
Mile Auto$64
National General$75
Travelers$85
Grange$90
Certainly$98
Safeco$100
Clearcover$104
Elephant$106
Nationwide$110
Progressive$111
Acuity$112
Midvale Home & Auto$115
Direct Auto$116
Kemper Preferred$116
Foremost Signature$117
Commonwealth Casualty$118
GAINSCO$120
SafeAuto$135
Liberty Mutual$139
Kemper Specialty$152
The General$157
Kemper$158
State Auto$164
CSAA$196
Bristol West$205
Hugo$213
Dairyland$304
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for senior drivers in Cincinnati

Mile Auto offers the cheapest car insurance for senior drivers in Cincinnati, at $49 per month. Senior motorists can typically cut their car insurance costs by completing a driving safety course.

Insurance CompanyAverage Monthly Rate
Mile Auto$49
National General$55
Certainly$63
Elephant$77
Travelers$79
Grange$85
Safeco$87
Clearcover$91
Progressive$91
Midvale Home & Auto$93
Nationwide$93
Direct Auto$96
Hugo$98
Liberty Mutual$100
Kemper Preferred$100
SafeAuto$103
Commonwealth Casualty$104
Foremost Signature$105
GAINSCO$106
State Auto$116
The General$129
CSAA$132
Acuity$132
Kemper Specialty$150
Bristol West$168
Kemper$188
Dairyland$234
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How credit scores affect cheap car insurance in Cincinnati

An estimated 95% of car insurers use what’s known as credit-based insurance scoring when they’re setting rates. Insurers say these scores, based on your credit history, help predict the likelihood that you’ll file an insurance claim or get into an accident.[4]

States, including Ohio, normally don’t allow credit-based insurance scores to be used as the only factor when it comes to setting rates or denying, canceling, or not renewing coverage.

A credit-based insurance score isn’t the same as a credit score. A credit score helps determine whether to approve you for a loan or credit card, and predicts your credit behavior (such as how likely you are to make timely payments on credit cards and loans).

The averages in the following table are for full-coverage insurance in Cincinnati.

Credit TierAverage Monthly Quote
Excellent$139
Good$179
Average$187
Poor$210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

On the FICO scoring model, which produces credit scores used by 90% of lenders, a credit score of 800 to 850 is considered exceptional, a score of 740 to 799 is considered very good, a score of 670 to 739 is considered good, a score of 580 to 669 is considered fair, and a score below 580 is considered poor.

The Experian credit bureau says the average FICO score stood at 714 in 2021.[5]

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Cincinnati

The better your driving record is, the lower your car insurance premiums will typically be. Things that can hurt your driving record (and your premiums) include accidents, speeding tickets, and driving under the influence of alcohol or drugs.

The tables below outline how different driving infractions could increase your car insurance rates.

Cheapest car insurance with an accident in Cincinnati: Travelers

An accident will negatively affect the rate you pay for insurance, but the exact amount of that impact varies from insurer to insurer.

Car Insurance CompanyClean RecordWith AccidentDifference
Grange$72$120+$48
Mile Auto$76$121+$45
Travelers$86$100+$14
National General$96$159+$63
Elephant$104$142+$38
Safeco$105$127+$22
Kemper Preferred$106$134+$28
Certainly$107$138+$31
Acuity$113$203+$90
Clearcover$113$166+$53
Foremost Signature$113$226+$113
Nationwide$114$154+$40
Progressive$116$230+$114
Midvale Home & Auto$118$193+$75
Commonwealth Casualty$125$225+$100
Direct Auto$129$241+$112
SafeAuto$141$230+$89
GAINSCO$149$169+$20
Liberty Mutual$166$200+$34
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with a DUI in Cincinnati: Mile Auto

Drivers with DUIs on their records usually face severe premium increases. Some insurance companies may not even grant you a policy if you have a DUI on your record, as they see it as a major risk.

Car Insurance CompanyClean RecordWith DUIDifference
Mile Auto$76$81+$5
Travelers$86$96+$10
National General$96$127+$31
Elephant$104$142+$38
Safeco$105$199+$94
Certainly$107$94-$13
Progressive$116$280+$50
Midvale Home & Auto$118$202+$84
Commonwealth Casualty$125$242+$117
Direct Auto$129$210+$81
SafeAuto$141$243+$102
GAINSCO$149$143-$26
Liberty Mutual$166$174+$8
The General$173$237+$64
Kemper Specialty$185$194+$9
CSAA$186$334+$148
Bristol West$232$327+$95
Hugo$266$295+$29
Dairyland$317$343+$26
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with a speeding ticket in Cincinnati: Mile Auto

While speeding tickets typically don’t have as serious of an effect on premiums as DUIs, they can still result in increases — especially if you have multiple speeding infractions on your record.

Car Insurance CompanyClean RecordWith Speeding TicketDifference
Mile Auto$76$112+$36
Travelers$86$113+$27
National General$96$140+$71
Elephant$104$126+$22
Safeco$105$133+$28
Certainly$107$124+$17
Progressive$116$164+$48
Midvale Home & Auto$118$207+$89
Commonwealth Casualty$125$203+$78
Direct Auto$129$226+$97
SafeAuto$141$218+$77
GAINSCO$149$165+$16
Liberty Mutual$166$206+$40
The General$173$237+$64
Clearcover$113$156+$43
Foremost Signature$113$206+$93
Nationwide$114$190+$76
Acuity$113$230+$117
Kemper Preferred$106$155+$49
Grange$72$147+$75
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance in other Ohio cities

Car insurance rates can vary greatly from city to city, even within the same state. Here’s a look at car insurance rates in some other Ohio cities: 

Cincinnati driving conditions

For some motorists, driving in the Queen City can be a royal pain.

Data compiled in 2022 by Insurify puts Cincinnati at No. 8 among the U.S. cities with the worst drivers. To come up with the ranking, Insurify data scientists compared the number of drivers with a previous at-fault moving violation on record within the past seven years against the overall driving population.

Canton topped Insurify’s list, with Akron at No. 3, Dayton at No. 6, and Toledo at No. 9. Including Cincinnati, Ohio tallied five of the 10 cities with the worst drivers in 2022.

Fortunately, Cincinnati doesn’t fare so badly in a study released in 2021 by the Texas A&M Transportation Institute of traffic congestion in U.S. metro areas. The study shows that in the pre-pandemic year of 2019, the typical Cincinnati-area driver wasted 52 hours in traffic.

However, drivers in the Cleveland and Columbus areas wasted less time in traffic (47 hours in Cleveland and 49 hours in Columbus).

By comparison, San Jose, California, ranked first for traffic congestion in the same large-metro category as Cincinnati, Cleveland, and Columbus. In the San Jose area, the typical driver wasted 80 hours in traffic in 2019, the A&M study shows.

Find local Cincinnati agents

  • HTT Agency, Inc. 

    5879 Cheviot Rd Ste 1,
    Cincinnati, OH 45247
  • Chip Berry Insurance 

    8041 Hosbrook Rd Ste 414,
    Cincinnati, OH 45236
  • Stautberg Financial Group 

    410 Elliott Ave,
    Cincinnati, OH 45215
  • Winters Financial Network, Inc. 

    5556 Cheviot Rd Ste B,
    Cincinnati, OH 45247
  • Energy Insurance Agency 

    7661 Beechmont Ave,
    Suite 220, Cincinnati, OH 45255
  • Acceptance Insurance

    6150 Colerain Ave,
    Cincinnati, OH 45239
  • Cincinnatus Insurance LLC

    4790 Red Bank Expy #207,
    Cincinnati, OH 45227
  • Ohio Insurance Center Agency

    7404 Hamilton Ave,
    Cincinnati, OH 45231
  • General Automobile Insurance

    7617 Reading Rd # 114,
    Cincinnati, OH 45237
  • Greater Cincinnati Insurance Services

    417 Anderson Ferry Rd #3,
    Cincinnati, OH 45238
View more

Cincinnati car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Cincinnati.

  • The average cost of car insurance in Cincinnati is $152 a month, or $1,824 a year.

  • The driver of a private passenger vehicle in Cincinnati and elsewhere in Ohio must buy coverage of at least $25,000 per person and $50,000 per accident for bodily injury liability, along with $25,000 per accident for property damage liability.

  • In Cincinnati and the rest of Ohio, it’s illegal to drive without car insurance or proof of financial responsibility.

    If a driver fails to produce proof of insurance or financial responsibility, the first offense results in loss of driving privileges until the insurance requirement is met. A second offense leads to loss of your driver’s license for one year. Subsequent offenses trigger a two-year license suspension.

    Other potential penalties include loss of your license plate and vehicle registration, along with penalties and fees.

  • The three companies with the cheapest car insurance in Cincinnati, based on averages calculated by Insurify, are:

    • Mile Auto: $972 a year

    • Travelers: $1,152 a year

    • Grange: $1,236 a year

  • Cincinnati ranks among the 10 metro areas with the worst drivers in 2022, based on the percentage of drivers who had at-fault violations on their driving records.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. U.S. Department of Transportation. "Household Spending on Transportation." Accessed December 22, 2022
  2. Ohio Bureau of Motor Vehicles. "Mandatory Insurance." Accessed December 22, 2022
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed December 22, 2022
  4. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed December 22, 2022
  5. Experian. "What Is the Average Credit Score in the U.S.?." Accessed December 22, 2022
John Egan
Written by
John Egan
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John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.

Learn More
Chris Schafer
Edited by
Chris Schafer
Linkedin

Senior Editor

Chris Schafer
Edited by
Chris Schafer
Senior Editor
Chris is Insurify’s Senior Editor for home insurance. He’s a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more. He is passionate about breaking down complex subject material to make important information accessible to everyone. Chris began his career as a journalist, managing two weekly newspapers, then moving into marketing and content marketing roles. Before joining Insurify, Chris served as the content strategy manager at Siteimprove and as the content manager at Brandpoint, where he managed a team of content creators. Away from work, Chris is an active hockey player and proud father of two rambunctious little girls. Chris holds a Bachelor’s degree in English with a minor in mass communications from the University of Minnesota. 
Amber Benka
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Amber Benka

Licensed Insurance Agent

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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.