Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Cincinnati drivers pay an average of $186 per month for car insurance, according to Insurify’s proprietary data. That’s higher than both the state average of $164 and the national average of $139.
As with any city, the more traffic and people, the higher the risk of accidents. This helps explain the high average monthly cost of car insurance in Cincinnati — the third-largest city in Ohio — though its rates are still cheaper than in many other major cities. Here’s what you should know about finding cheap car insurance in Cincinnati.
Quick Facts
Ohio is an at-fault state, meaning drivers are responsible for the damage they cause in an accident.
Car insurance in Cincinnati costs nearly 34% more than the national average.
Teenage drivers pay the most of any age group for car insurance in Cincinnati.
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Best car insurance companies in Cincinnati
You have plenty of good car insurance companies to choose from in Cincinnati, but which is best for you depends on your insurance needs and financial situation.
“When exploring various policies, it’s essential for drivers to seek a middle ground, a sweet spot between an attractive price point and a robust policy that encompasses the coverage they absolutely need,” says insurance industry expert Dan Burghardt, president of Dan Burghardt Insurance.
Each of the following insurers excels in different areas — State Farm provides the cheapest rates in Cincinnati, Auto-Owners provides a plethora of coverages, and Erie provides excellent customer service. The best company for you depends on what coverages you need — don’t just settle for the cheapest option.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$81/mo
State Farm is a full-service financial services company and one of the most recognized names in insurance. Ranking No. 1 for market share and offering policies in all 50 states, its size lets the company offer a broad range of insurance products and affordable rates.
State Farm has 19,000 agents, so the personal touch is there when you need it. But you’ll also have access to a robust mobile app. Use it to manage your policy, get quotes, and even meet virtually with your agent.
Pros
Excellent digital tools
Usage-based discounts
Cons
No usage-based policy
Customer service hours not listed on website
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$94/mo
Established in Lansing, Michigan, in 1916, Auto-Owners Insurance is a mutual insurance company that serves nearly 3 million policyholders in 26 states. AM Best has awarded Auto-Owners an A++ (Superior) rating for 51 consecutive years.
In addition to providing an excellent selection of coverages, including at-fault accident forgiveness, gap insurance for loans and leases, and a new-car purchase price guarantee, Auto-Owners offers many discounts to help you save. For example, you can reduce your premium by requesting a quote before your policy’s effective date and for paying in full.
Pros
Outstanding coverage options
Many discounts available
Cons
No online quotes
Lackluster mobile app
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$94/mo
Since its founding in 1924, Erie Insurance has grown to become a Fortune 500 company with 6 million policies in force. Erie earned top billing as the No. 1 company in Independent Agent Satisfaction from J.D. Power in 2022 and 2023.
In addition to offering the option to lock in a rate, Erie stands out for its excellent customer service and Auto Plus coverage. Auto Plus adds diminishing and waived insurance deductibles, a death benefit, and certain increased coverage limits for a few extra dollars per month.
Pros
Rate lock-in
Low-cost expanded coverage
Cons
Low-rated mobile app
No usage-based insurance policies or discounts
Over the years, they have always gone over and above what I would have expected. They are fair and prompt in customer service issues. They have always tailored my policy to meet my needs at a very fair price.
Cheapest liability-only car insurance in Cincinnati
Liability car insurance protects you in the event of an at-fault accident. The bodily injury portion pays medical bills for other drivers and passengers. The property damage portion repairs or replaces the other driver’s damaged or destroyed personal property.[1]
These insurers offer the cheapest liability-only quotes in Cincinnati.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Cincinnati
Collision insurance protects you when you collide with another vehicle. Comprehensive coverage, on the other hand, reimburses losses covered by events other than a collision, such as damage from hail, fallen trees, vandalism, and theft.
These Cincinnati insurers offer the cheapest full-coverage car insurance quotes.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Ohio
Ohio state law requires that drivers prove financial responsibility. For most drivers, car insurance serves that purpose. You’ll need to show proof of coverage at traffic stops, accident scenes, and vehicle inspections.[3]
Ohio is an at-fault state, meaning the person responsible for the accident must turn to their own insurer for the cost of injuries and damage resulting from the crash.
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person
$50,000 for two or more people in a single crash
Property damage liability
$25,000
Even full coverage doesn’t provide absolute protection in every circumstance. Consider adding additional optional coverages, such as the following:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist insurance covers gaps if you’re injured in an accident where the other person is responsible but doesn’t have enough insurance coverage.
Medical payments coverage
This pays for your medical bills if you’re in an accident. It covers costs for things like emergency room visits, imaging, and ambulance fees.
Cheapest car insurance for drivers with an incident
An incident is a reportable event that causes you to file a claim or get reported to your insurance company. Common incidents include at-fault accidents and moving violations, such as speeding tickets and DUI convictions.
Being involved in any of these events increases your risk of filing future claims, sometimes leading insurance companies to increase your premium or discontinue discounts you receive on your car insurance policies.
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Cheapest car insurance for drivers with a speeding ticket
Speeding plays a major role in serious car accidents, with higher speeds correlating to more severe injuries and property damage. In fact, more than 11,000 people died in car accidents attributable to speeding in 2021 in the U.S., including 360 people in the state of Ohio, according to the National Safety Council and Ohio Department of Public Safety.[4]
If you’re caught and ticketed for speeding, you could see your auto insurance rate go up. Even so, plenty of auto insurance companies still offer affordable rates, like the insurers listed below.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
An at-fault accident could raise your insurance rate for up to three years after you file the claim. How much depends on the insurer, the severity of the accident, and whether you’ve had accidents within the last few years.
Too many accidents may even prompt your insurance company not to renew your policy when it expires. The insurers below offer the lowest monthly quotes to drivers in Cincinnati with an at-fault accident.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Of all the moving violations, a DUI is the most severe in the eyes of insurance companies. The stakes are even higher if you have an accident while under the influence. In that case, most insurance companies will opt for non-renewal.
However, some companies will still insure you at affordable rates. Here are the cheapest monthly quotes for drivers with DUIs in Cincinnati.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Younger adults start seeing their rates drop around age 35, but you can expect them to increase again later. Insurance companies charge senior drivers higher rates due to their risk of being seriously injured in a crash. That risk grows significantly by age 75, so insurers raise rates to compensate for that additional risk.
Take a look at which insurers in Cincinnati are offering affordable coverage to senior drivers.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Like with any skill, driving takes time to cultivate. Because they’re still learning, teenage drivers are at higher risk of having an accident. And because of that, they pay higher insurance premiums.
However, most insurance companies have ways you can earn discounts that reduce your premium. You can earn discounts by getting good grades, driving a safe car, or staying on your parents’ insurance policy.
Here are the average monthly quotes for teen drivers in Cincinnati.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Cincinnati
“Understanding the variables that affect auto insurance rates is crucial, especially for those who are price-conscious,” Burghardt says. “Particularly noteworthy is the impact of your vehicle’s make and model, body style, age, and safety features.”
Opt for usage-based monitoring. Installing a telematics tracking device can result in significant savings for careful drivers with good driving habits.
Improve your credit score. “Paying debts on time and maintaining a robust credit score can influence your premium rates positively,” Burghardt advises.
Shop for savings.Comparing ratesfrom a few different insurers can help you find the best deal.
Here’s how credit affects Cincinnati car insurance quotes for full coverage.
Rates by Credit Tier
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.
Is car insurance more expensive in Cincinnati?
Ohio insurance premiums are on the low side compared to other states, but average premiums in Cincinnati are higher than the state average. Cincinnati drivers pay $230 per month for full coverage, whereas the state average is $206.
Cincinnati’s rates are nearly even with Cleveland’s and significantly higher than Canton’s and Dayton’s. Factors that might account for the disparity include crime rates, population density, and commuting distance.
More cities in Ohio
Cincinnati drivers pay more than drivers in Akron and Youngstown. However, they pay less than drivers in Hamilton and Toledo. Here’s the average full-coverage quote in Cincinnati compared to other Ohio cities’ quotes.
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.
Cincinnati car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Cincinnati.
How much is car insurance in Cincinnati?
Car insurance in Cincinnati costs $186 per month on average. Drivers pay an average of $230 per month for full-coverage car insurance and $142 per month for liability coverage. Your exact rate will depend on your driving record, age, credit history, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Cincinnati?
With an Insurify Quality (IQ) Score of 4.4 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Cincinnati. Of the insurers Insurify has rate data for, other top Cincinnati insurers include Auto-Owners and Erie.
How much is car insurance in Cincinnati for teenagers?
Car insurance for teenagers in Cincinnati is more expensive than any other age group. Teenagers pay an average of $349 per month for car insurance, over $100 more than other age groups.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
State Farm
Auto-Owners
Erie Insurance
