Best Cincinnati, OH Car Insurance in 2024
Car insurance in Cincinnati, OH averages $275 a month. Cincinnati, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Cincinnati car insurance rates, compare quotes from the top car insurance companies in Cincinnati, OH.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Cincinnati is USAA
- Average car insurance rates in Cincinnati, OH are $3,304/year
- Average car insurance rates in Cincinnati, OH after a DUI are $3,841/year
If you need to buy Cincinnati, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Cincinnati, OH is right here.
You’ll find Cincinnati car insurance rates, the cheapest Cincinnati, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Cincinnati, Ohio car insurance rates to Dayton car insurance rates, Canton car insurance rates, and Columbus car insurance rates.
Ready to find affordable Cincinnati, OH car insurance today? Enter your ZIP code for fast, free Cincinnati car insurance quotes.
Cheapest Cincinnati, OH Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Cincinnati, OH car insurance rates? Every Cincinnati, Ohio car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,409 | $2,387 | $2,183 | $2,333 | $6,914 | $7,916 | $2,510 | $2,667 |
| American Family | $1,061 | $1,101 | $986 | $987 | $3,560 | $3,860 | $1,324 | $1,396 |
| Farmers | $2,096 | $2,089 | $1,844 | $1,950 | $9,543 | $9,918 | $2,353 | $2,450 |
| Geico | $1,630 | $1,591 | $1,540 | $1,566 | $4,515 | $4,201 | $1,812 | $1,525 |
| Liberty Mutual | $2,333 | $2,541 | $1,790 | $2,175 | $12,692 | $14,316 | $2,470 | $2,695 |
| Nationwide | $2,620 | $2,629 | $2,364 | $2,377 | $6,897 | $8,875 | $2,806 | $3,264 |
| Progressive | $2,055 | $1,921 | $1,711 | $1,769 | $9,515 | $10,705 | $2,465 | $2,552 |
| State Farm | $1,786 | $1,786 | $1,613 | $1,613 | $5,823 | $7,299 | $2,083 | $2,396 |
| Travelers | $1,552 | $1,575 | $1,548 | $1,538 | $6,802 | $10,715 | $1,624 | $1,847 |
| USAA | $959 | $965 | $922 | $913 | $3,090 | $3,427 | $1,285 | $1,382 |
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Minimum Car Insurance in Cincinnati, OH
Every driver must carry the minimum car insurance required by the state in Cincinnati, OH. Take a look at the Ohio car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Cincinnati, OH Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Cincinnati, OH. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Cincinnati from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,711 | $3,433 | $2,851 |
| American Family | $2,372 | $1,615 | $1,366 |
| Farmers | $4,554 | $3,861 | $3,676 |
| Geico | $2,761 | $2,297 | $1,834 |
| Liberty Mutual | $7,335 | $4,513 | $3,532 |
| Nationwide | $4,812 | $3,867 | $3,258 |
| Progressive | $4,564 | $3,971 | $3,724 |
| State Farm | $4,348 | $2,685 | $2,116 |
| Travelers | $3,799 | $3,310 | $3,092 |
| USAA | $2,095 | $1,488 | $1,270 |
Cheapest Cincinnati, OH Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Cincinnati, OH to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,055 | $3,718 | $4,407 | $3,479 |
| American Family | $1,707 | $1,810 | $1,810 | $1,810 |
| Farmers | $3,318 | $4,284 | $4,178 | $4,341 |
| Geico | $1,543 | $2,252 | $3,298 | $2,096 |
| Liberty Mutual | $4,301 | $5,535 | $5,643 | $5,027 |
| Nationwide | $3,188 | $4,056 | $5,147 | $3,525 |
| Progressive | $3,515 | $4,814 | $3,745 | $4,272 |
| State Farm | $2,764 | $3,335 | $3,050 | $3,050 |
| Travelers | $2,496 | $3,265 | $4,931 | $2,908 |
| USAA | $1,236 | $1,667 | $2,198 | $1,370 |
Cheapest Cincinnati, OH Car Insurance for Teen Drivers
Teen car insurance in Cincinnati, OH can be expensive. Take a look at rates from the top car insurance companies in Cincinnati for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,914 | $7,916 |
| American Family | $3,560 | $3,860 |
| Farmers | $9,543 | $9,918 |
| Geico | $4,515 | $4,201 |
| Liberty Mutual | $12,692 | $14,316 |
| Nationwide | $6,897 | $8,875 |
| Progressive | $9,515 | $10,705 |
| State Farm | $5,823 | $7,299 |
| Travelers | $6,802 | $10,715 |
| USAA | $3,090 | $3,427 |
Cheapest Cincinnati, OH Car Insurance for Seniors
Take a look at Cincinnati, OH rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,183 | $2,333 |
| American Family | $986 | $987 |
| Farmers | $1,844 | $1,950 |
| Geico | $1,540 | $1,566 |
| Liberty Mutual | $1,790 | $2,175 |
| Nationwide | $2,364 | $2,377 |
| Progressive | $1,711 | $1,769 |
| State Farm | $1,613 | $1,613 |
| Travelers | $1,548 | $1,538 |
| USAA | $922 | $913 |
Cheapest Cincinnati, OH Car Insurance Rates After a DUI
A DUI in Cincinnati, OH increases car insurance rates. Compare Cincinnati, Ohio car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,407 |
| American Family | $1,810 |
| Farmers | $4,178 |
| Geico | $3,298 |
| Liberty Mutual | $5,643 |
| Nationwide | $5,147 |
| Progressive | $3,745 |
| State Farm | $3,050 |
| Travelers | $4,931 |
| USAA | $2,198 |
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Cheapest Cincinnati, OH Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Cincinnati, OH by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,665 | $3,665 |
| American Family | $1,762 | $1,807 |
| Farmers | $4,030 | $4,030 |
| Geico | $2,260 | $2,335 |
| Liberty Mutual | $5,127 | $5,127 |
| Nationwide | $3,979 | $3,979 |
| Progressive | $4,087 | $4,087 |
| State Farm | $2,973 | $3,126 |
| Travelers | $3,400 | $3,400 |
| USAA | $1,557 | $1,678 |
Cheapest Cincinnati, OH Car Insurance Rates by ZIP Code
Cincinnati car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cincinnati, OH.
| ZIP Code | Average Annual Rates |
|---|---|
| 45202 | $3,231 |
| 45203 | $3,256 |
| 45204 | $3,289 |
| 45205 | $3,370 |
| 45206 | $3,254 |
| 45207 | $3,234 |
| 45208 | $3,173 |
| 45209 | $3,159 |
| 45211 | $3,271 |
| 45212 | $3,126 |
| 45213 | $3,170 |
| 45214 | $3,407 |
| 45215 | $3,059 |
| 45216 | $3,119 |
| 45217 | $3,201 |
| 45219 | $3,343 |
| 45220 | $3,278 |
| 45221 | $3,267 |
| 45223 | $3,313 |
| 45224 | $3,162 |
| 45225 | $3,421 |
| 45226 | $3,121 |
| 45227 | $3,099 |
| 45229 | $3,328 |
| 45230 | $2,996 |
| 45231 | $3,042 |
| 45232 | $3,322 |
| 45233 | $3,131 |
| 45234 | $3,264 |
| 45235 | $3,110 |
| 45240 | $3,032 |
| 45241 | $2,930 |
| 45242 | $2,961 |
| 45245 | $2,781 |
| 45247 | $3,024 |
| 45248 | $3,133 |
| 45249 | $2,959 |
| 45251 | $3,032 |
| 45267 | $3,072 |
The Best Cheap Car Insurance Companies in Cincinnati, OH
Take a look at a side-by-side comparison of the top car insurance companies in Cincinnati, OH to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,665 |
| American Family | $1,784 |
| Farmers | $4,030 |
| Geico | $2,297 |
| Liberty Mutual | $5,127 |
| Nationwide | $3,979 |
| Progressive | $4,087 |
| State Farm | $3,050 |
| Travelers | $3,400 |
| USAA | $1,618 |
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Category Winners: Cheapest Car Insurance in Cincinnati, Ohio
Find the cheapest car insurance companies in Cincinnati, OH for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
Cheapest Cincinnati, OH Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Cincinnati car insurance rates. Find the cheapest Cincinnati, OH car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,534 | $3,657 | $3,803 |
| American Family | $1,748 | $1,799 | $1,806 |
| Farmers | $3,806 | $3,966 | $4,319 |
| Geico | $2,222 | $2,288 | $2,382 |
| Liberty Mutual | $4,944 | $5,152 | $5,284 |
| Nationwide | $4,406 | $3,856 | $3,675 |
| Progressive | $3,940 | $4,056 | $4,265 |
| State Farm | $2,887 | $3,061 | $3,201 |
| Travelers | $3,320 | $3,442 | $3,438 |
| USAA | $1,543 | $1,616 | $1,694 |
What affects car insurance rates in Cincinnati, Ohio?
What are the factors that affect car insurance rates in Cincinnati, OH? There are several reasons why Cincinnati car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cincinnati, Ohio.
Car Theft in Cincinnati
High levels of vehicle theft can make car insurance more expensive. Cincinnati, OH car theft statistics from the FBI indicate 1,310 vehicle thefts a year.
Commute Time in Cincinnati
The more time you spend in your car the higher the risk of an accident. The average commute length in Cincinnati, OH is 23.2 minutes according to City-Data.
Traffic in Cincinnati
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cincinnati, OH traffic data from INRIX ranks Cincinnati as the 604th-most congested in the world.
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Compare Car Insurance Quotes in Cincinnati, OH
Ready to find affordable Cincinnati, Ohio car insurance today? Enter your ZIP code for fast, free Cincinnati, OH car insurance quotes.
Frequently Asked Questions
How much does car insurance cost in Cincinnati, OH?
The cost of car insurance in Cincinnati, OH can vary depending on several factors. These factors include your age, driving record, location, the make and model of your vehicle, coverage options, and the insurance provider you choose. It’s recommended to request quotes from multiple insurance companies to get an accurate estimate tailored to your specific circumstances.
What are the factors that affect car insurance rates in Cincinnati, OH?
Several factors can impact car insurance rates in Cincinnati, OH. These factors include your age, driving record, credit history, location, mileage, the type of vehicle you drive, coverage options, deductibles, and the level of coverage you choose. Insurance providers also consider local traffic conditions, crime rates, and historical claim data in the area when determining rates.
What type of coverage do I need for my car in Cincinnati, OH?
The type of coverage you need for your car in Cincinnati, OH depends on your personal circumstances and preferences. However, the most common types of coverage include liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP). It’s advisable to review your specific needs and consult with an insurance professional to determine the appropriate coverage for your situation.
How can I find affordable car insurance in Cincinnati, OH?
To find affordable car insurance in Cincinnati, OH, it’s recommended to shop around and compare quotes from different insurance providers. You can also inquire about available discounts, such as multi-car discounts, safe driver discounts, and discounts for safety features in your vehicle. Maintaining a clean driving record, opting for higher deductibles, and bundling your car insurance with other policies (such as home or renters insurance) can also help lower your premiums.
Are there any specific considerations for insuring a car in Cincinnati, OH?
When insuring a car in Cincinnati, OH, it’s important to consider factors such as local weather conditions, traffic patterns, and crime rates in your area. Additionally, Ohio is an at-fault state, meaning that the driver at fault in an accident is responsible for damages. Understanding the minimum insurance requirements and considering additional coverage options can help protect you financially in case of an accident.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.