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 Average||U.S. Average|
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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
|Insurer||Average Annual Rate|
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
|Age||Average Annual Rate|
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 Status||Average Yearly Rate|
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/Violation||Average Annual Rate|
|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|
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 Tier||Average Yearly Rate|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Cincinnati
Find Local Cincinnati Agents
Chip Berry Insurance
8041 Hosbrook Rd Ste 414, Cincinnati, OH 45236
Raymond F Folz & Co
2436 Central Pky, Cincinnati, OH 45214
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
Winters Financial Network, Inc.
5556 Cheviot Rd Ste B, Cincinnati, OH 45247
Broz Insurance Agency, Inc.
3900 Harrison Ave, Cincinnati, OH 45211
American Heritage Insurance Group LLC
9370 Main Street Suite E, Cincinnati, OH 45242
Dabbelt Ins Agcy Inc
5932 Glenway Ave, Cincinnati, OH 45238
CIC Agency, Inc.
1060 Nimitzview Dr Ste 120, Cincinnati, OH 45230
Gellenbeck Financial Services
9420 Towne Square Ave Ste 11, Cincinnati, OH 45242
Henry Insurance Agency LLC
2757 Observatory Ave #22, Cincinnati, OH 45208
Schwierling Insurance Agency, Inc.
6601 Colerain Ave, Cincinnati, OH 45239
HTT Agency, Inc.
5879 Cheviot Rd Ste 1, Cincinnati, OH 45247
Premier Insurance Associates
9650 Cincinnati-Columbus Rd, Cincinnati, OH 45241
3540 Blue Rock Rd, Cincinnati, OH 45239
Owens & Grimes Insurance Inc.
1208 Collinsdale Ave, Cincinnati, OH 45230
The Christenson Lewis Insurance Agency
4484 Mount Carmel Tobasco Rd, Cincinnati, OH 45244
Zinser Insurance Agency LLC
5310 Glenway Ave, Cincinnati, OH 45238
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