Cheap Auto Insurance Quotes in Cincinnati, OH (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Buckeye State.

Loading...

Compare vs Insurify

loading

As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Car Insurance in Cincinnati, OH

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.

Loading Chart

Cheapest Car Insurance in Cincinnati, OH

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.

Best Car Insurance in Cincinnati, OH

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.

Average Car Insurance Cost

Loading Chart

Click here to learn about car insurance quotes and save on your current policy.

Cincinnati, OH Driving Facts

Minimum Car Insurance Requirements in OH

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:

  • $25,000 for bodily injury liability of one person 
  • $50,000 for bodily injury liability of two or more people
  • $25,000 for property damage liability in an accident

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.

ohio

Cincinnati Car Insurance Rates by Driver Age

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 AgeAvg. Monthly Cost
teens$319
20s$195
30s$143
40s$170
50s$176
60s$132
70s$148
80s$143
Driving HistoryAvg. Monthly Cost
No Violation$164
Speeding Ticket$187
At-Fault Accident$197
Failure to Stop for Red Light / Stop Sign$222

Cincinnati Car Insurance Rates by Driving and Accident History

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.

Cincinnati Car Insurance Rates by Credit Tier

'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 TieAvg. Monthly Cost
Excellent$174
Good$164
Average$169
Poor$180

Cincinnati, OH DMV Information

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.

Public Transportation in Cincinnati, OH

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.

Conclusion: How to get the best and cheapest car insurance in Cincinnati, OH

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Cincinnati stacks up for the state of Ohio:

honda
Honda Accord
Most Popular Car in
Cincinnati, OH
suspended licenses
#12
Cities with Most
Suspended Licenses Rank

FAQs - Cincinnati, OH Car Insurance

Are Cincinnati car insurance rates high?

Different from people in other major metropolitan areas, residents of Cincinnati tend to pay less than the national average for car insurance. Remember, your individual rate will vary based on a number of factors.

Can I go to jail for driving in Cincinnati without auto coverage?

While other states may impose jail time for this offense, driving without insurance in Cincinnati comes with a softer punishment. First offenders will lose their license for 30 days and must pay a $160 restoration fee for vehicle registration and license plates.

Where can I get the cheapest car insurance in Cincinnati?

Comparing prices has never been easier than with Insurify. Simply answer a few questions, and you’ll be able to find the best policy for your needs. Motorists should keep in mind that they need to purchase a policy with at least the minimum coverage requirements set forth by the state of Ohio.