Cincinnati, OH Car Insurance
See rates in Cincinnati from Progressive, Allstate, Nationwide and other top companies.
How much does car insurance cost in Cincinnati?
The average rate for car insurance in Cincinnati is $667 for a six-month policy, which is about $111 per month. Our research shows that Hastings Mutual is the cheapest car insurance company in Cincinnati, with rates at just $451 for a six-month policy. USAA follows closely behind in affordability, but check your eligibility since USAA auto insurance is limited to members.
Residents of Cincinnati do pay more than the average for car insurance in Ohio as a whole, which is $588 per six-month policy. But the city's rates are less than the national average, which comes in at $880. Regarding cheap auto coverage for Cincinnati residents, our data shows that 38% of customers say they are paying too much for their insurance.
If you're curious about your current rates compared with those typical of Cincinnati or want to understand the details about coverage in general, we've got the information you need about rates and what is factored into them (like age, credit score and even your neighborhood).
|Car Insurance in Cincinnati vs. Ohio||Avg. 6 Mo. Premium|
The cheapest car insurance companies in Cincinnati
Hastings Mutual Insurance Company is the cheapest of the car insurance companies we looked at in Cincinnati, with the average rate for a 6-month policy at $451, or about $75 per month. This regional carrier offers policies in six midwestern states, including Ohio.
In second place is USAA, which costs an average of $80 per month, or $481 per six-month policy. USAA is known for its affordable coverage options but is limited to military members and their families, so be sure to check your eligibility if you're interested.
Finishing out our list of the most affordable auto insurers in Cincinnati is State Farm. On average, a State Farm policy in Cincinnati costs $542 per six-month policy, which breaks down to $90 per month.
Are you paying too much for auto insurance?
Cincinnati car insurance rates by company
Our 2023 data shows that the cheapest insurer for full coverage in Cincinnati is Hastings Mutual Insurance Company at $75 per month or $451 per six-month policy. The next most affordable option is USAA at $80 per month or $481 for a six-month policy. USAA generally has low rates for insurance products but is also limited to military members and their families.
Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.
Cheapest car insurance companies in Cincinnati, OH
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around to find the best rates
Your time is valuable, but so is your money, so let The Zebra take care of the hard work for you! Enter your ZIP code to see rates from Progressive, Allstate, GEICO and American Family (+ other top companies) to find the best and cheapest car insurance in Cincinnati.
Average car insurance in Cincinnati by rating factor
Your car insurance rates are affected by multiple rating factors, and although most are consistent from company to company, each individual insurer may weigh these factors a bit differently. For example, Company A might place top priority on your claims history while Company B may focus on your credit score. This can mean that the company that's best for you can change over time, just as your life and rating factors change over time.
It's important to get quotes every once in a while to make sure you're getting the best rate — we suggest every six months to a year, or at least when you experience a life milestone, such as turning 50, moving to a new zip code or getting married.
Q: I didn't have an accident — Why is my insurance going up?
A: End-of-year earnings (revenue of premiums versus the cost of paying insureds’ claims) play a large role in Cincinnati auto insurance rates. Even for drivers who've never filed a claim, the increased cost of doing business is passed on to the customer through higher rates.
Auto insurance premiums by age in Cincinnati
Age is key component in calculating your premium. Insurers analyze historical data and evaluate the risk certain demographics present, which then helps the companies decide on rates for individuals. Unfortunately, teen drivers have an accident rate that is significantly higher than any other age group, meaning they face the most expensive auto insurance premiums. Teen drivers in Cincinnati pay $2,382 more per year than 20-somethings, which can be shocking for young drivers and their parents alike.
The higher rates for teens exist to help offset the increased risk that these drivers present. The bright side of this is that assuming they drive safely and avoid citations or violations, the price young drivers pay will go down dramatically after just a few years of experience behind the wheel.
Cheapest car insurance companies for teen drivers in Cincinnati, OH
Auto insurance premiums for minimum coverage in Cincinnati
One factor that is within your ability to adjust is coverage level, which has a direct impact on the premium you'll pay. Our research shows that 28% of Cincinnati drivers have the state minimum coverage, which can save you money on premiums but also leaves you at risk of being underinsured in the event of an accident. States only require a certain amount of coverage, but the bare minimum isn't always the best option in the long run.
Adding collision coverage or comprehensive coverage (commonly known as "full coverage" when purchased together) can increase your rates dramatically, yet can provide much more peace of mind behind the wheel. These coverages typically require a deductible, which can also impact your rates. Basically, the higher your deductible, the cheaper your rates will be. For example, coverage with a $2,500 deductible will typically cost less per month (or per policy period) than coverage with a $1,000 deductible.
You may also want to opt for extras like roadside assistance or uninsured motorist coverage that can protect you against drivers who do not carry auto insurance themselves. Yes, these additions can increase your overall car insurance rates, but The Zebra's insurance experts recommend carrying them for both peace of mind and practicality in the event of an accident.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
According to our data, 49% of drivers in Cincinnati have owned vehicles. If you're leasing or financing your car you will probably be required to keep a certain amount and type of coverage on the vehicle. But if not, you can think about whether dropping comprehensive or collision coverage is right for you. We recommend getting the actual cash value of your vehicle via Kelley Blue Book or another reputable source. Typically, if your vehicle is worth less than $4,000, you probably don't need collision coverage and could save a little on your rates. Be prepared, though, that in the event of a collision, you'd need to pay for repairs out-of-pocket.
Cheapest car insurance companies for minimum coverage in Cincinnati, OH
- Minimum: State liability coverage only
- Basic: State liability + collision and comprehensive (full) coverage
- Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
- Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.
41% of our customers in Cincinnati opt for the basic level of coverage, but it may not be right for everyone. Carrying only the state minimum can be a money-saver, yet put you in a tough financial position if you're involved in an accident where damages exceed your limits. Ohio's 25/50/25 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $10,000 for property damage. Minimum and basic levels will typically cover straightforward accidents, but when multiple cars or personal injury is involved it might not cut it.
Learn more about insurance laws in Ohio.
Cincinnati car insurance rates by credit score
Another key factor in calculating insurance rates is the driver's credit score. This is the case in most states, including Ohio, and there are a few reasons for this. When data and trends over time are analyzed, they show that drivers with lower credit scores are more likely to file claims, have lapses in coverage and engage in risky driving behavior.
Since these risks are associated with bad credit, it tends to be that the worse your credit, the more you'll pay for car insurance coverage.
The difference in price can be substantial regardless of the city, but in Cincinnati drivers with poor credit (300-579) pay 112% more than drivers with excellent credit (800-850). Our data tells us 33% drivers in Cincinnati have a credit score in the average (580-679) category. In 2023, Hastings Mutual Insurance Company is the cheapest option for Cincinnati drivers for this credit range.
Cheapest car insurance companies for bad credit in Cincinnati, OH
Auto insurance rates with an at-fault accident
Accidents aren't fun, and claims can take a variety of shapes and sizes, but at-fault and collision-type accidents are the most common type of insurance claims. In 2023, an at-fault accident increased car insurance rates in Cincinnati by anywhere from $176 to $323 per month. According to our research, the cheapest insurance company in Cincinnati after an at-fault accident is Hastings Mutual.
To keep your auto insurance affordable, your best bet is to avoid accidents and drive safely. A driving record that is incident-free shows insurance companies that you are safe on the road, therefore lowering your risk of a claim. This helps you get better rates! Speeding citations, reckless driving charges, DUIs and at-fault accidents all result in rate increases — some more significantly than others. Depending on the type of accident or ticket, your premium will be impacted for three to five years. Typically, at-fault accidents and speeding tickets will be on your record for three to five years whereas DUIs or DWIs can follow you even longer.
Cheapest car insurance companies after an at-fault accident in Cincinnati, OH
Cincinnati car insurance rates by violation
The table below shows an overview of violations and incidents that can affect your car insurance rates in Cincinnati. A speeding ticket may not seem like a big deal at first, but the extra cost every month can add up to hundreds per year.
Car insurance rate increases after violations and citations in Cincinnati, OH
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$684||3%||$17|
|One comp claim||$707||6%||$40|
|Two Med/PIP claims||$709||6%||$42|
|Two comp claims||$726||9%||$59|
|Driving without lights||$745||12%||$78|
|Failure to show documents||$751||13%||$84|
|Failure to wear a seat belt||$754||13%||$87|
|Child safety restraint||$760||14%||$93|
|Driving with expired registration||$771||16%||$105|
|Speeding 6 - 10 MPH over limit||$799||20%||$132|
|Speeding in school zone||$799||20%||$133|
|Driving too slowly||$800||20%||$133|
|Speeding 11 - 15 MPH over limit||$800||20%||$134|
|Wrong way/wrong lane||$804||21%||$138|
|Failure to yield||$805||21%||$138|
|Following too closely||$805||21%||$138|
|Cell phone violation||$806||21%||$139|
|Texting while driving||$808||21%||$141|
|Failure to stop at a red light||$810||21%||$143|
|Speeding 16 - 20 MPH over limit||$814||22%||$147|
|Passing school bus||$829||24%||$162|
|At-fault accident - less than $1000||$842||26%||$176|
|Speeding 21 - 25 MPH over limit||$869||30%||$203|
|In 65 MPH zone||$918||38%||$252|
|Operating a vehicle without permission||$969||45%||$302|
|At-fault accident - $1000-$2000||$981||47%||$314|
|At-fault accident - greater than $2000||$989||48%||$323|
|Refusal to submit to a chemical test||$1,326||99%||$659|
|Driving with a suspended license||$1,337||101%||$671|
|Leaving scene of an accident/hit and run||$1,375||106%||$708|
Why is car insurance in Cincinnati so expensive?
Auto insurance in any city, including Cincinnati, can be expensive for a variety of reasons. As noted earlier, there are a lot of factors relating to insurance prices that are focused on the driver's personal history and level of risk. However, there are plenty of factors that are outside of our control.
Below are some of the reasons why car insurance may be more expensive in Cincinnati than in other parts of Ohio, even with a clean driving history.
The cost of living is one important factor that insurance companies take into consideration, and this also means the cost of doing business for companies. In higher-priced cities, car insurance companies have to charge more to cover their costs. Insurance companies typically offset these higher costs by increasing premiums in the area.
Why does a specific location matter? Crime, theft and uninsured motorists can vary greatly by ZIP code. Cities tend to have certain areas that are more prone to crime, which then makes them riskier for insurance companies. If you live in a high-crime area you will likely pay more for auto insurance than someone who lives in a safer part of town. Take a look at the Cincinnati ZIP codes listed to get an idea of where insurance may be cheaper or more expensive.
Expensive Cincinnati ZIP codes: 45214, 45225, 45219, 45205, 45221
Cheap Cincinnati ZIP codes: 45242, 45243, 45230, 45236, 45252
Ohio isn't known for volatile weather compared to other states but it does experience some weather-related challenges from time to time. The biggest risks come from storms with hail and wind, as well as flooding, which can happen just about anywhere. These risks are covered by comprehensive insurance, which is a great policy to have for a little extra peace of mind when dealing with Mother Nature.
Cincinnati, like most cities, has a lot of people. This seems obvious enough, but more people equals more cars, and the more vehicles there are on the road the more accidents will naturally happen. The increased costs of accidents that result in claims are passed along to other drivers through increased auto insurance premiums. This shared price increase happens even for those who are safe or rarely drive.
Bundling insurance policies in Cincinnati
One of the simplest ways to save on car insurance is to bundle your policies. By combining renters or homeowners with your auto coverage you can potentially save 10%, and these days most well-known companies offer some kind of discount for bundling. It's definitely worth asking your agent about, or if you're shopping for new insurance then make a point to ask about possible discounts. Learn more about bundling home and car insurance.
Cheapest car insurance companies for bundling home and auto insurance in Cincinnati, OH
The factors that go into determining your auto insurance cost are sometimes beyond your control. However, there are still things you can do on your end to keep costs down. The easiest option for saving money? Compare! Shop around with as many companies as possible, decide what is most important to you and find the right company that can save you money without sacrificing other features. If you're happy with your current company but still want to save, it's still important to get new quotes from time to time just to ensure that you're getting the best rate — at the very least, check in with your agent after celebrating a milestone birthday, moving to a new area or improving your credit score.
Some insurance companies just have higher rates than others in general, so remember that it's okay to switch companies if you find one that better suits your needs.
Find the best rates for both auto and home insurance in minutes!
Frequently asked questions
How much is car insurance in Cincinnati?
The average for a six-month auto insurance policy in Cincinnati is $667 for a six-month policy or $111 per month. This is slightly more expensive than the Ohio state average of $98 per month.
What is the cheapest car insurance in Cincinnati?
Hastings Mutual Insurance Company is the carrier with the cheapest rates in Cincinnati, coming in at an average of $451 per six-month policy. This comes out to $75 per month.
How much is car insurance in Cincinnati for teenagers?
Teenagers in Cincinnati pay an average of $2,098 for a six-month policy or $350 per month. Teen drivers pay much more when they have their own auto policy. We recommend that younger drivers be added to a parent's insurance policies to make the cost more affordable.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.