Best Cheap Auto Insurance in Cincinnati, Ohio (2024)

Mile Auto offers the cheapest car insurance in Cincinnati, with minimum-coverage policies as low as $45 per month.

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Daria Kelly Uhlig
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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.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Updated March 14, 2024

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Cincinnati drivers pay an average of $174 per month for full-coverage car insurance, and $82 for minimum coverage, according to Insurify’s proprietary data. That’s less than both the state averages of $152 and $69, and national averages of $212 and $103.

A comparatively low 2023 traffic fatality rate may contribute to the Queen City's affordable car insurance. Ohio State Highway Patrol (OHSP) data shows that just 37 of the city's 13,449 crashes in 2023 resulted in fatalities.[1]  The city also has traffic calming programs that rely on tactics like speed cushions and curb extensions to slow traffic and reduce speeding.[2]

Cincinnati drivers can maximize their savings by comparing car insurance rates from multiple companies. Here's what to know when you're shopping for auto insurance in Cincinnati.

Quick Facts
  • Ohio is an at-fault state, meaning drivers are responsible for the damage they cause in an accident.

  • About a third of accidents in the Queen City last year involved drivers or passengers who weren't wearing a seat belt, according to OSHP data.

  • U.S. Census data shows that Cincinnati has a population of 3,974 people per square mile. High population density can contribute to traffic congestion and accident risks.

Find Car Insurance in Cincinnati

Minimum-coverage policies start as low as $45/mo. in the Queen City

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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.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
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.
$46/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.
$83/mo

State Farm is the largest auto insurance in the U.S. by market share, according to the National Association of Insurance Commissioners. The company offers car insurance in 48 states and Washington, D.C. Its size lets the company offer a broad range of insurance products and affordable rates.

State Farm has a national network of 19,000 local exclusive 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
  • Doesn't offer accident forgiveness or gap coverage

  • Customer service hours not listed on website

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for coverage options: Auto-Owners

Compare personalized, real-time quotes
IQ Score
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.
$54/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.
$97/mo

Established in Lansing, Michigan, in 1916, Auto-Owners Insurance is a super-regional mutual insurance company that serves nearly 3 million policyholders in 26 states. AM Best has awarded Auto-Owners an A++ (Superior) financial strength rating, the highest possible 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
  • Quotes only available through independent agents, not online

  • 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.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for customer service: Erie

Compare personalized, real-time quotes
IQ Score
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.
$53/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.
$97/mo

Since Erie's founding in 1925, the regional insurer has grown to become a Fortune 500 company with more than 6 million policies in force in 12 states and Washington, D.C. 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

  • Customers can't buy a policy or file a claim online

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.

linda - August 9, 2023
Verified

I have been with Erie for 73 years. No problems!.

William - July 17, 2023
Verified

My agent was always there for me.

Dinah - December 4, 2022
Verified
Read our Erie Insurance review
Top 10 Cheapest Car Insurance Companies for March 2024

Top 10 Cheapest Car Insurance Companies for March 2024

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.[3]

These insurers offer the cheapest liability-only quotes in Cincinnati. 

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Monthly Quote
Mile Auto45
State Farm46
Hugo47
Erie53
Auto-Owners54
Safeco54
GEICO59
USAA59
Clearcover61
American Family66
Midvale Home & Auto67
Elephant68
Nationwide68
Progressive75
Commonwealth Casualty81
Liberty Mutual86
National General88
The General89
GAINSCO94
Dairyland96
Allstate101
Direct Auto102
State Auto107
CSAA108
Travelers109
Farmers113
Bristol West153
Foremost160
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

Full-coverage car insurance is optional — unless you have a car loan or lease, in which case your lender or leasing company will require it.[4]

Collision insurance protects you when you collide with another vehicle or an object like a tree or light pole, in case of a rollover accident, or pothole damage. Comprehensive coverage, on the other hand, reimburses losses covered by events other than a collision, such as damage from hail, floods, other severe weather events, 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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Monthly Quote
Mile Auto67
State Farm83
Clearcover96
Elephant96
Auto-Owners97
Erie97
Safeco99
GEICO106
USAA108
Nationwide109
Midvale Home & Auto115
American Family120
Hugo130
Progressive137
Travelers144
Direct Auto157
Liberty Mutual157
GAINSCO173
National General177
The General182
Allstate183
CSAA189
Commonwealth Casualty189
Farmers204
State Auto216
Dairyland247
Bristol West302
Foremost314
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.

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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.[5]

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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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. It can also provide coverage for hit-and-run accidents.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage typically provides services that include changing a tire, jump-starting a battery, towing your vehicle to a repair shop, fuel delivery if you run out of gas, or even a locksmith if you're locked out of your vehicle.

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 Operating a Vehicle Impaired (OVI) 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. Serious infractions like an OVI or reckless driving could even cause your insurer to cancel your policy before its renewal date.

Shop for Car Insurance in Cincinnati

Liability policies start at $56/mo. for drivers with road violations

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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 Cincinnati, more than 6% of traffic crashes in 2023 involved speeding, according to OSHP data.

Cincinnati drivers with speeding tickets face average monthly car insurance rates of $120 for liability coverage and $255 for full coverage. A speeding ticket could increase your rates for three to five years, based on the insurer. 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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto9967
State Farm10759
Elephant12689
Auto-Owners13072
Clearcover13586
Erie13876
GEICO13877
Safeco14177
USAA14177
Nationwide14389
American Family15987
Hugo18667
Progressive186102
Travelers191144
Direct Auto212138
GAINSCO220120
Liberty Mutual220121
National General232115
Allstate238131
Commonwealth Casualty240103
The General245120
CSAA255146
Farmers266148
Dairyland333129
Bristol West401203
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. If you purchase accident forgiveness coverage, your rates will remain steady after your first at-fault accident.

Too many accidents may even prompt your insurance company not to renew your policy when it expires. On average, Cincinnati drivers with at-fault accidents see monthly car insurance rates of $261 for full coverage and $123 for liability only. 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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto10570
State Farm11262
Elephant13294
Auto-Owners13475
Erie14278
GEICO14581
USAA14780
Safeco14881
Nationwide15094
Clearcover15598
American Family16591
Hugo17764
Progressive195107
Travelers199151
Direct Auto222144
Liberty Mutual230126
GAINSCO232126
National General246122
Allstate249138
The General256125
Commonwealth Casualty260111
CSAA271155
Farmers278154
State Auto323160
Dairyland344134
Bristol West411208
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 OVI

Of all the moving violations, driving impaired – know as an OVI in Ohio – 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.

Cincinnati drivers with OVI convictions can expect average insurance rates of $296 per month for full coverage and $139 for liability-only policies. Here are the cheapest monthly quotes for drivers with DUIs in Cincinnati.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto10973
State Farm13575
Erie14378
Clearcover15699
Elephant156111
Auto-Owners15888
Safeco16188
GEICO17296
USAA17696
Nationwide177111
American Family195107
Hugo19972
Progressive223122
Travelers234177
Direct Auto255166
Liberty Mutual255140
Commonwealth Casualty278119
GAINSCO281153
National General288143
The General296145
Allstate297164
CSAA307176
Farmers332184
State Auto351174
Dairyland401156
Bristol West491249
Foremost510260
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 Long Does a DUI Stay On Your Record?

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors

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 an increase in accident frequency. That risk grows significantly by age 70, so insurers raise rates to compensate for that additional risk.

Still, senior drivers in Cincinnati have the lowest average car insurance rates of any age group – $112 per month for full coverage and $53 for liability. Take a look at which insurers in Cincinnati are offering affordable coverage to senior drivers.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto3524
State Farm3821
Erie4424
Auto-Owners4726
Nationwide4830
Elephant5035
GEICO5330
Progressive5530
American Family5731
USAA5731
Safeco6133
Clearcover7347
Travelers7356
Direct Auto8052
Liberty Mutual8346
Allstate9552
Farmers10055
GAINSCO10557
National General10753
The General10853
Commonwealth Casualty11148
Dairyland13854
Bristol West16282
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 and tend to engage in more risky driving habits than older motorists, 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, for being away at school, or by staying on your parents’ insurance policy. Teens younger than 18 won't be able to buy their own policy without written approval from a parent or guardian.

Cincinnati teens face average driving rates of $301 for full coverage and $142 for liability policies. But you may be able to find more affordable rates from some of the companies listed here.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto12785
State Farm14078
Elephant157111
Auto-Owners16089
GEICO16491
Clearcover170108
Erie17595
Safeco17595
USAA17696
Nationwide183114
American Family201111
Hugo23183
Progressive241132
Travelers256194
Liberty Mutual262143
Direct Auto283184
The General286140
GAINSCO307167
CSAA312179
Allstate316175
Commonwealth Casualty327140
National General333166
Farmers350194
State Auto381189
Dairyland395153
Bristol West495251
Foremost554283
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.
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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.”

Here are some ways you can save:

Find Cheap Car Insurance in Cincinnati

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Cincinnati car insurance quotes by credit tier

Insurance companies look at your credit history and use that information to develop a credit-based insurance score. In turn, insurers use your credit-based insurance score to calculate your premium. Good or excellent credit can earn you lower rates, while bad credit can cost you significantly more.[6]

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 many other states, and average premiums in Cincinnati are lower than the state average. Cincinnati drivers pay $174 per month for full coverage, whereas the state average is $152.

Crime rates, population density, and commuting distance are all factors that contribute to differences in car insurance averages across cities in the same state.

More cities in Ohio

Here's a look at how Cincinnati's average monthly car insurance rates compare to those in other cities in the Buckeye State.

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Cincinnati$174$82
Cleveland$188$85
Dayton$162$74
Hamilton$157$79
Toledo$191$85
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 an overall average of $128 per month on average. Drivers pay an average of $174 per month for full-coverage car insurance and $82 per month for liability coverage. Your exact rate will depend on your driving record, age, credit history, vehicle type, chosen coverage level, and more.

  • Which company has the cheapest car insurance rates in Cincinnati?

    Mile Auto is the cheapest car insurance company in Cincinnati, with liability-only rates that start at $45 per month. Queen City drivers can also find affordable coverage from the city's second- and third-cheapest insurers, State Farm and Hugo, which have monthly liability rates as low as $46 and $47, respectively.

  • 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 overall average of $222 per month for car insurance. Car insurance for teens is more expensive due to their lack of experience behind the wheel and high accident rates.

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.

Sources

  1. Ohio State Highway Patrol. "Crash Dashboard." Accessed January 25, 2024
  2. City of Cincinnati Transportation and Engineering. "Traffic Calming." Accessed January 25, 2024
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed August 10, 2023
  4. National Association of Insurance Commissioners. "What You Should Know About Auto Insurance Coverage." Accessed August 10, 2023
  5. Ohio Bureau of Motor Vehicles. "Mandatory Insurance." Accessed August 10, 2023
  6. Ohio Department of Insurance. "How Credit Information Can Impact Insurance Premium Amounts." Accessed August 10, 2023
Daria Kelly Uhlig
Daria Kelly Uhlig

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.

Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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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