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 Average||State Average||National Average|
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
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/Gender||Average Rate|
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 Level||Average Car Insurance Rate|
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 Violation||Average Annual Premium|
|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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Cincinnati
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
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
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