How Much Are Car Insurance Rates in Cincinnati?
Cincinnati premiums, which surpass the state average by 16%, are known for being pricey. Therefore it is imperative to cut costs while insuring a vehicle in Cincinnati. Review our ways to save on Cincinnati car insurance and save money.
AUTO INSURANCE COSTS: CINCINNATI VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Cincinnati Auto Insurance by Violation or Accident History
Have you been involved in an at-fault accident or committed a moving violation?? That can have an impact on your car insurance premiums. Insurance rates are influenced by at-fault accident history, and more specifically, by how much damage was done in the accidents. For those in Cincinnati with at-fault accidents in which damages exceeded $2,000, rates are an average of 7% more than at-fault accidents with damages less than $1,000. $670 is the additional cost per year for drivers with a DUI in Cincinnati, compared to the city average of $1,170. Reckless driving will also drive your rates up, with typical rates of $1,992, which are 70% higher than the city average!
AVERAGE CINCINNATI INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,101|
|At-fault Accident (damages greater than $2,000)||$2,238|
|Speeding Ticket (16-20 mph over speed limit)||$1,405|
Cincinnati Car Insurance Rates by Age
The largest decrease in premiums for Cincinnati drivers happens when they hit their 20s. Once out of the teenage age bracket, they save, on average, $3,613 every year. Car insurance premiums for drivers in Cincinnati continue to drop through their 50s, but they can anticipate to pay more when they turn 60. With payments of $4,635 on average, teenage drivers are the ones who pay the most in car insurance premiums. Drivers in their 50s save money on car insurance premiums, as they have the smallest rates among all age groups, paying only $1,022 annually.
CINCINNATI AUTO INSURANCE COSTS BY AGE
Cincinnati Car Insurance by Marital Status and Gender
There are quite a few factors, including marital status and gender, that have an effect on car insurance premiums in Cincinnati. However, the amount by which men's and women's car insurance premiums vary is minimal. Married individuals save approximately $50 per year compared to those who are single. Rates for those who are widowed are marginally cheaper than rates for those who are single.
CINCINNATI AUTO INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Cincinnati Car Insurance by Credit Rating
Improving your credit can save you a sizable sum of money. Those in the bottom credit tier (300-579) typically pay $1,342 more each year on premiums than those in the top credit tier (800-850). Moving from Very Poor (300-579) to Fair (580-669) hands over the greatest drop in premiums to drivers, as they save an average of $895 per year.
CINCINNATI AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Auto Insurance 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 & 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
Find Local Cincinnati Agents
Owens & Grimes Insurance Inc.
1208 Collinsdale Ave Cincinnati, OH 45230
Lauber & Will Insurance, Inc.
7012 Harrison Ave Cincinnati, OH 45247
CIC Agency, Inc.
1060 Nimitzview Dr Ste 120 Cincinnati, OH 45230
Raymond F Folz & Co
2436 Central Pky Cincinnati, OH 45214
Broz Insurance Agency, Inc.
3900 Harrison Ave Cincinnati, OH 45211
RIA Ries Insurance Agency, Inc.
9420 Towne Square Ave., Ste 11 Cincinnati, OH 45242
Zinser Insurance Agency LLC
5310 Glenway Ave Cincinnati, OH 45238
Schwierling Insurance Agency, Inc.
6601 Colerain Ave Cincinnati, OH 45239
Gellenbeck Financial Services
9420 Towne Square Ave Ste 11 Cincinnati, OH 45242
3540 Blue Rock Rd Cincinnati, OH 45239
Chip Berry Insurance
8041 Hosbrook Rd Ste 414 Cincinnati, OH 45236
Henry Insurance Agency LLC
2757 Observatory Ave #22 Cincinnati, OH 45208
American Heritage Insurance Group LLC
9370 Main Street Suite E Cincinnati, OH 45242
The Christenson Lewis Insurance Agency
4484 Mount Carmel Tobasco Rd Cincinnati, OH 45244
HTT Agency, Inc.
5879 Cheviot Rd Ste 1 Cincinnati, OH 45247
Premier Insurance Associates
9650 Cincinnati-Columbus Rd Cincinnati, OH 45241
Winters Financial Network, Inc.
5556 Cheviot Rd Ste B Cincinnati, OH 45247
Dabbelt Ins Agcy Inc
5932 Glenway Ave Cincinnati, OH 45238
The average Cincinnatian's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Cincinnati
Just enter your zip code to get started
Cincinnati Car Insurance
How do I cancel my insurance policy?
Can you get in trouble for telling your insurance company you sold your car when you didn’t actually sell it ...
Can lienholder be responsible in car accident?
I own a car and have it in my name. I am selling it to a friend with a loan ...
What happens to the rest of future premium if policyholder dies?
Death of policyholder – does estate get a refund on car & homeowner’s insurance premiums paid for future. Policyholder died ...
Cincinnati Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...