How much does auto insurance cost in Cincinnati?


Car insurance costs an average of $1,190 per year in Cincinnati, Ohio. That's more expensive than the statewide average in Ohio ($1,047) and cheaper than the national average of $1,548. Our guide to Cincinnati car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


CINCINNATI AUTO INSURANCE RATES
Cincinnati Average (annual)Ohio AverageU.S. Average
$1,190$1,047$1,548

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Cincinnati car insurance rates by provider


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical insurance customer, GEICO provides Cincinnati's cheapest rates. See below the best companies for cheap auto insurance in Cincinnati — but don't forget to get personalized car insurance quotes to match your driving profile.


CINCINNATI CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
GEICO$779
Erie$865
Grange Insurance$867
Cincinnati Insurance$1,041
State Farm$1,044

Check out our guide to learn how to find the best cheap car insurance.



Cincinnati car insurance premiums by age

Cincinnati drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,058per year, on average. Those in their 60s don't pay much more ($1,093).

The Cincinnati drivers who face the priciest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Cincinnati is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Cincinnati is $3,911, the largest such difference between any two age brackets.


CINCINNATI CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Annual Rate
Teenagers$5,616
20s$1,705
30s$1,173
40s$1,124
50s$1,058
60s$1,093
70s$1,384

Learn more about how age influences auto insurance rates.



Cincinnati auto insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in Cincinnati pay $73 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Cincinnati, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Cincinnati, the gap in average auto insurance premiums between genders is $1 per year, with male drivers paying more than female drivers.


INSURANCE RATES IN CINCINNATI BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,190
Male$1,190
Single$1,117
Married$1,117
Divorced$1,190
Widowed$1,167

Read more about the relationships between gender, marital status and insurance rates.



Cincinnati auto insurance costs by accident and violation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Cincinnati drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $725 per year versus the city average. A ticket for speeding results in a $273 rate hike while a DWI or DUI violation costs $729per year in extra insurance expenditures.


AVERAGE CINCINNATI INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DUI/DWI$1,919
Reckless Driving$1,915
At-fault Accident (damages < $1,000)$1,731
At-fault Accident (damages greater than $2,000)$1,882
Speeding Ticket (16-20 mph over speed limit)$1,463

Learn more about how citations can raise your auto insurance rates.



Cincinnati car insurance rates by credit level


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In Cincinnati, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 58% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Cincinnati, improving your credit to "Fair" corresponds with an $850 decrease in annual car insurance rates.


CINCINNATI AUTO INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Yearly Rate
Very Poor$2,282
Fair$1,432
Good$1,190
Very Good$1,062
Exceptional$962

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in Cincinnati?

Where you live in Cincinnati affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Cincinnati is no exception to the rule. From ZIP code 45245 to 45219, premiums rise by 15 percent—that’s $155.

Expensive Cincinnati ZIP codes: 45223, 45214, 45225, 45205, 45219

Cheap Cincinnati ZIP codes: 45245, 45244, 45255, 45230, 45242

Cincinnati Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Cincinnati, you can expect 137 rainy days with an annual rainfall of 41.9 inches. Cincinnati is also known to experience severe winter storms.

137

Rainy Days a Year

42"

Avg. Annual Rainfall

11"

Avg. Annual Snowfall

Be Prepared For

Driving in Cincy

2
Major Highways
I-71 I-74 I-75
2
Public Transit
Metro Bus TANK Bus

Find Local Cincinnati Agents

American Heritage Insurance Group LLC

9370 Main Street Suite E, Cincinnati, OH 45242

CIC Agency, Inc.

1060 Nimitzview Dr Ste 120, Cincinnati, OH 45230

Winters Financial Network, Inc.

5556 Cheviot Rd Ste B, Cincinnati, OH 45247

Lauber & Will Insurance, Inc.

7012 Harrison Ave Suite 5, Cincinnati, OH 45247

RIA Ries Insurance Agency, Inc.

9420 Towne Square Ave., Ste 11, Cincinnati, OH 45242

Broz Insurance Agency, Inc.

3900 Harrison Ave, Cincinnati, OH 45211

Raymond F Folz & Co

2436 Central Pky, Cincinnati, OH 45214

Premier Insurance Associates

9650 Cincinnati-Columbus Rd, Cincinnati, OH 45241

Schwierling Insurance Agency, Inc.

6601 Colerain Ave, Cincinnati, OH 45239

Dabbelt Ins Agcy Inc

5932 Glenway Ave, Cincinnati, OH 45238

Owens & Grimes Insurance Inc.

1208 Collinsdale Ave, Cincinnati, OH 45230

Heister Insurance

3540 Blue Rock Rd, Cincinnati, OH 45239

The Christenson Lewis Insurance Agency

4484 Mount Carmel Tobasco Rd, Cincinnati, OH 45244

Gellenbeck Financial Services

9420 Towne Square Ave Ste 11, Cincinnati, OH 45242

Zinser Insurance Agency LLC

5310 Glenway Ave, Cincinnati, OH 45238

Henry Insurance Agency LLC

2757 Observatory Ave #22, Cincinnati, OH 45208

HTT Agency, Inc.

5879 Cheviot Rd Ste 1, Cincinnati, OH 45247

Chip Berry Insurance

8041 Hosbrook Rd Ste 414, Cincinnati, OH 45236

Not sure about Cincinnati

Check out these other Ohio cities:

Toledo

Cleveland

Columbus

2

$1,172

The average Cincinnatian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

188

That's equal to 188 cups of coffee or $469 in savings

See How Much You Can Save in Cincinnati

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Recent Questions:

Cincinnati Car Insurance

How do I cancel my insurance policy?

No, you will not be committing insurance fraud. You don't have to give a reason for canceling your policy at all.

Can lienholder be responsible in car accident?

If you keep the car registered in your name, there is a possibility that you could be held liable for damages that exceed the driver's policy. It is not common, however, there is still a chance.

What happens to the rest of future premium if policyholder dies?

The estate should get a refund on the prorated premium that was paid for before the policy canceled. You will need to contact the insurance company right away to cancel the policy.

Can I drive an insured vehicle if I don't have insurance myself

Yes. Using the information you provided, it definitely sounds like you could be considered a covered driver.