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Updated August 31, 2022
Transportation costs gobble up more money in the typical U.S. household than everything but housing. 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.
Table of contents
- How much does car insurance cost in Cincinnati?
- Average cost of auto insurance in Cincinnati
- Cheapest car insurance in Cincinnati: Mile Auto
- How much car insurance do you need in Cincinnati?
- Tips for getting cheap car insurance in Cincinnati
- How age affects car insurance rates in Cincinnati
- How credit scores affect cheap car insurance in Cincinnati
- The effect of driving habits on car insurance in Cincinnati
- Car insurance in other Ohio cities
- Cincinnati driving conditions
- Find local Cincinnati agents
- Cincinnati car insurance FAQs
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 Company||Average Monthly Quote|
|Midvale Home & Auto||$119|
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 Company||Liability Only||Full Coverage|
|Midvale Home & Auto||$85||$139|
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.
$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.
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. You can see in the table below how your age can affect the rate you’ll pay for insurance.
|Age Group||Average Monthly Rate|
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 Company||Average Monthly Rate|
|Midvale Home & Auto||$195|
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 Company||Average Monthly Rate|
|Midvale Home & Auto||$115|
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 Company||Average Monthly Rate|
|Midvale Home & Auto||$93|
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.
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 Tier||Average Monthly Quote|
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.
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 Company||Clean Record||With Accident||Difference|
|Midvale Home & Auto||$118||$193||+$75|
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 Company||Clean Record||With DUI||Difference|
|Midvale Home & Auto||$118||$202||+$84|
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 Company||Clean Record||With Speeding Ticket||Difference|
|Midvale Home & Auto||$118||$207||+$89|
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 Insurance8041 Hosbrook Rd Ste 414,
Cincinnati, OH 45236
Stautberg Financial Group410 Elliott Ave,
Cincinnati, OH 45215
Winters Financial Network, Inc.5556 Cheviot Rd Ste B,
Cincinnati, OH 45247
Energy Insurance Agency7661 Beechmont Ave,
Suite 220, Cincinnati, OH 45255
Acceptance Insurance6150 Colerain Ave,
Cincinnati, OH 45239
Cincinnatus Insurance LLC4790 Red Bank Expy #207,
Cincinnati, OH 45227
Ohio Insurance Center Agency7404 Hamilton Ave,
Cincinnati, OH 45231
General Automobile Insurance7617 Reading Rd # 114,
Cincinnati, OH 45237
Greater Cincinnati Insurance Services417 Anderson Ferry Rd #3,
Cincinnati, OH 45238
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.
- U.S. Department of Transportation. "Household Spending on Transportation." Accessed December 22, 2022
- Ohio Bureau of Motor Vehicles. "Mandatory Insurance." Accessed December 22, 2022
- Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed December 22, 2022
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed December 22, 2022
- Experian. "What Is the Average Credit Score in the U.S.?." Accessed December 22, 2022