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Cheap Auto Insurance Quotes in Cincinnati, OH (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Quick Facts
- The average cost of car insurance in Cincinnati is $156 per month, or $1872 annually.
- Car insurance in Cincinnati is $17 more than the average cost of car insurance in Ohio.
- The cheapest car insurance provider in Cincinnati on average is Mile Auto, but you should always compare quotes to find your best personal rate.
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.
Quotes by Top Companies
Progressive$39
State Farm$68
Liberty Mutual$127
Nationwide$157
The General$174
Cheapest Car Insurance in Cincinnati, OH
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Cincinnati | Quotes |
|---|---|
| Progressive | $39 /mo |
| State Farm | $68 /mo |
| Liberty Mutual | $127 /mo |
| Nationwide | $157 /mo |
| The General | $174 /mo |
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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 company reviews. The following are the top rated companies that offer car insurance in Cincinnati. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| Clearcover | 97 | $94 /mo |
| American Family | 89 | $135 /mo |
| Nationwide | 89 | $202 /mo |
| Safeco | 86 | $115 /mo |
| Liberty Mutual | 82 | $163 /mo |
See More: Best Car Insurance Companies
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.
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 Age | Avg. Monthly Cost |
|---|---|
| teens | $319 |
| 20s | $195 |
| 30s | $143 |
| 40s | $170 |
| 50s | $176 |
| 60s | $132 |
| 70s | $148 |
| 80s | $143 |
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.
| Driving History | Avg. 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 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 Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $174 |
| Good | $164 |
| Average | $169 |
| Poor | $180 |
See More: Bad Credit Car Insurance Ohio
Find local Cincinnati agents
HTT Agency, Inc.
5879 Cheviot Rd Ste 1,
Cincinnati, OH 45247Chip Berry Insurance
8041 Hosbrook Rd Ste 414,
Cincinnati, OH 45236Stautberg Financial Group
410 Elliott Ave,
Cincinnati, OH 45215Winters Financial Network, Inc.
5556 Cheviot Rd Ste B,
Cincinnati, OH 45247Energy Insurance Agency
7661 Beechmont Ave,
Suite 220, Cincinnati, OH 45255Acceptance Insurance
6150 Colerain Ave,
Cincinnati, OH 45239Cincinnatus Insurance LLC
4790 Red Bank Expy #207,
Cincinnati, OH 45227Ohio Insurance Center Agency
7404 Hamilton Ave,
Cincinnati, OH 45231General Automobile Insurance
7617 Reading Rd # 114,
Cincinnati, OH 45237Greater Cincinnati Insurance Services
417 Anderson Ferry Rd #3,
Cincinnati, OH 45238
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.
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.
FAQs - Cincinnati, OH Car Insurance
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. 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. 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.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Cincinnati Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Cincinnati, Ohio below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Cincinnati drivers measure up to their fellow motorists across Ohio in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Cincinnati
#16
City with the Most Speeding Tickets Rank in Ohio
#29
City with the Most Moving Violations Rank in Ohio
#18
City with the Most DUIs Rank in Ohio
#16
City with the Most Suspended Licenses in Ohio
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.
- Rank within state: #8
- Percent of drivers in Cincinnati with an accident: 14.41%
- Drivers in Cincinnati, OH with an accident in their driving history pay on average 39.73% more than drivers with a clean record
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.
- Rank within state: #16
- Percent of drivers in Cincinnati with a speeding ticket: 15.7%
- Drivers in Cincinnati, OH with a speeding ticket in their driving history pay on average 30.14% more than drivers with a clean record
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.
- Rank within state: #18
- Percent of drivers in Cincinnati with a DUI: 2.92%
- Drivers in Cincinnati, OH with a DUI in their driving history pay on average 19.86% more than drivers with a clean record
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.
- Rank within state: #4
- Percent of drivers in Cincinnati with a reckless driving violation: 3.43%
- Drivers in Cincinnati, OH with a reckless driving violation in their driving history pay on average 39.04% more than drivers with a clean record.
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.
- Rank within state: #6
- Percent of drivers in Cincinnati with clean record: 71.9%
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.
- Rank within state: #7
- Percent of drivers in Cincinnati with a failure to yield violation: 0.67%
- Drivers in Cincinnati, OH with a failure to yield violation in their driving history pay on average 2500% more than drivers with a clean record
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.
- Rank within state: #4
- Percent of drivers in Cincinnati with a reckless driving offense: 0.14%
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.
- Rank within state: #6
- Percent of drivers in Cincinnati with a hybrid/electric vehicle: 0.83%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.
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