What's the Cost of Car Insurance in Cincinnati?


It is imperative to save while insuring a vehicle in Cincinnati because Cincinnati premiums are known for being expensive. They are generally $139 higher than Ohio's average. Review our ways to save on Cincinnati car insurance and save money.


INSURANCE RATES: CINCINNATI VS. STATE/NATIONAL AVERAGES
City AverageState AverageNational Average
$1,176$1,037$1,427


Cincinnati Car Insurance Costs by Age Bracket

Cincinnati drivers see the most significant fall in premiums when they hit their 20s, as they pay an average of $3,098 less after moving out of the teenage age range. Insurance rates continue to trend downward up until drivers hit 60. With payments of $4,798 on average, teenage drivers pay the most in car insurance premiums. Drivers in their 50s save money on car insurance payments, as they have the lowest rates among all age groups, paying only $1,025 every year. Those in their 60s ($1,060) aren’t paying significantly more.


CINCINNATI CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Rate
Teenagers$4,798
20s$1,700
30s$1,158
40s$1,119
50s$1,025
60s$1,060
70s$1,320


Cincinnati Car Insurance by Marital Status and Gender


In Cincinnati, various driver attributes, including marital status and gender, can play a role in car insurance premiums. Being single, as opposed to married, can cost you close to 5% more per year. Rates for those who are widowed are slightly cheaper than rates for those who are single. Luckily for men, their premiums are typically 1% cheaper than for women.


CINCINNATI CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,193
Male$1,176
Single$1,176
Married$1,125
Divorced$1,176
Widowed$1,168


Cincinnati Auto Insurance by Credit Rating


For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. In terms of percent change, the greatest benefit of better credit occurs when improving from Very Good (740-799) to Exceptional (800-850), by which drivers can save nearly 18% per year.


CINCINNATI AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit LevelAverage Car Insurance Rate
Very Poor$2,191
Fair$1,806
Good$1,511
Very Good$1,245
Exceptional$1,017


Cincinnati Auto Insurance by Violation or Accident History


Do you realize by how much an at-fault accident or violation can raise your car insurance rates? A DUI will increase your car insurance premiums more than other driving violations. Normally, a DUI in Cincinnati will cost you 72% more in car insurance premiums versus the city average ($1,176). Reckless driving will push your rates up as well, with typical rates of $1,855! In Cincinnati, individuals who are found at-fault in an accident pay 56% more per year to insure their vehicle.


AVERAGE CINCINNATI INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Annual Premium
DUI$2,024
Reckless Driving$1,855
At-fault Accident (damages less than $1,000)$1,837
At-fault Accident (damages greater than $2,000)$1,837
Speeding Ticket (16-20 mph over speed limit)$1,421


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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

Dabbelt Ins Agcy Inc

5932 Glenway Ave Cincinnati, OH 45238

Zinser Insurance Agency LLC

5310 Glenway Ave Cincinnati, OH 45238

Winters Financial Network, Inc.

5556 Cheviot Rd Ste B Cincinnati, OH 45247

Premier Insurance Associates

9650 Cincinnati-Columbus Rd Cincinnati, OH 45241

The Christenson Lewis Insurance Agency

4484 Mount Carmel Tobasco Rd Cincinnati, OH 45244

Lauber & Will Insurance, Inc.

7012 Harrison Ave Cincinnati, OH 45247

American Heritage Insurance Group LLC

9370 Main Street Suite E Cincinnati, OH 45242

Chip Berry Insurance

8041 Hosbrook Rd Ste 414 Cincinnati, OH 45236

CIC Agency, Inc.

1060 Nimitzview Dr Ste 120 Cincinnati, OH 45230

Schwierling Insurance Agency, Inc.

6601 Colerain Ave Cincinnati, OH 45239

Heister Insurance

3540 Blue Rock Rd Cincinnati, OH 45239

Henry Insurance Agency LLC

2757 Observatory Ave #22 Cincinnati, OH 45208

Owens & Grimes Insurance Inc.

1208 Collinsdale Ave Cincinnati, OH 45230

Gellenbeck Financial Services

9420 Towne Square Ave Ste 11 Cincinnati, OH 45242

Broz Insurance Agency, Inc.

3900 Harrison Ave Cincinnati, OH 45211

RIA Ries Insurance Agency, Inc.

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

Raymond F Folz & Co

2436 Central Pky Cincinnati, OH 45214

HTT Agency, Inc.

5879 Cheviot Rd Ste 1 Cincinnati, OH 45247

See All

Not sure about Cincinnati

Check out these other Ohio cities...

Columbus

Cleveland

Toledo

2

$1,172

The average Cincinnatian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

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188

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

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Recent Questions:

Cincinnati Car Insurance

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Feb 01, 2019

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Dec 30, 2018

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Cincinnati Car Insurance

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