What drives up car insurance rates in Cincinnati?

Car Insurance in Cincinnati

Cincinnati is known for its expensive premiums, as its mean premium is $139 greater than the state average. Therefore if you are insuring a vehicle in Cincinnati, saving money is especially important. Keep some money in your pocket by following the tips below about how to save on car insurance in Cincinnati.

  • City Average: $1,176
  • State Average: $1,037
  • National Average: $1,427

Cincinnati Car Insurance by Accident or Violation History

Maintaining a spotless driving record is crutial if you want to keep your rates low. A DUI will increase your car insurance premiums more than other driving violations. Usually, a DUI in Cincinnati will cost you 72% more in car insurance premiums versus the city average ($1,176). Reckless driving will also push your rates up, with average rates of $1,855. That is 58% higher than the city average! Even among safe drivers, accidents happen, so be prepared and learn what one can do to your rates. In Cincinnati, those who are found at-fault in an accident end up paying 56% more than the city average on car insurance each year.

  • DUI: $2,024
  • Reckless Driving: $1,855
  • At-fault Accident (damages less than $1000): $1,837
  • At-fault Accident (damages greater than $2000): $1,837
  • Speeding Ticket (16-20 mph over speed limit): $1,421

Cincinnati Car Insurance by Gender and Marital Status

Numerous driver traits, including marital status and gender, can have an effect on car insurance premiums in Cincinnati. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being married can save you $51 per year compared to being single or divorced. Unfortunately for women, their premiums are normally 1% more expensive than for men.

  • Female: $1,193
  • Male: $1,176
  • Single: $1,176
  • Married: $1,125
  • Divorced: $1,176
  • Widowed: $1,168

Cincinnati Car Insurance by Age

With typical car insurance payments of $4,798, teenage drivers have the biggest premiums amongst all the age groups. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest car insurance rates among any age group, with rates of $1,025. However, people in their 60s ($1,060) also have relatively low premiums. In Cincinnati, when drivers reach their 20s, therefore moving out of the teenage age range, they can save $3,098. You won't see a larger difference between any other age group. In Cincinnati, turning 60 means a rise in insurance rates. Up until then, progressing between age groups means decreasing prices.

  • 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 Credit Rating

For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers will see the greatest drop in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $228 per year.

  • Very Poor: $2,191
  • Fair: $1,806
  • Good: $1,511
  • Very Good: $1,245
  • Exceptional: $1,017

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

Major Highways
I-71 I-74 I-75
Public Transit
Metro Bus TANK Bus

Find Local Cincinnati Agents

Raymond F Folz & Co

2436 Central Pky Cincinnati, OH 45214

HTT Agency, Inc.

5879 Cheviot Rd Ste 1 Cincinnati, OH 45247

Chip Berry Insurance

8041 Hosbrook Rd Ste 414 Cincinnati, OH 45236

CIC Agency, Inc.

1060 Nimitzview Dr Ste 120 Cincinnati, OH 45230

Henry Insurance Agency LLC

2757 Observatory Ave #22 Cincinnati, OH 45208

Owens & Grimes Insurance Inc.

1208 Collinsdale Ave Cincinnati, OH 45230

RIA Ries Insurance Agency, Inc.

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

Lauber & Will Insurance, Inc.

7012 Harrison Ave Cincinnati, OH 45247

Winters Financial Network, Inc.

5556 Cheviot Rd Ste B Cincinnati, OH 45247

Zinser Insurance Agency LLC

5310 Glenway Ave Cincinnati, OH 45238

The Christenson Lewis Insurance Agency

4484 Mount Carmel Tobasco Rd Cincinnati, OH 45244

Schwierling Insurance Agency, Inc.

6601 Colerain Ave Cincinnati, OH 45239

American Heritage Insurance Group LLC

9370 Main Street Suite E Cincinnati, OH 45242

Dabbelt Ins Agcy Inc

5932 Glenway Ave Cincinnati, OH 45238

Broz Insurance Agency, Inc.

3900 Harrison Ave Cincinnati, OH 45211

Heister Insurance

3540 Blue Rock Rd Cincinnati, OH 45239

Premier Insurance Associates

9650 Cincinnati-Columbus Rd Cincinnati, OH 45241

Gellenbeck Financial Services

9420 Towne Square Ave Ste 11 Cincinnati, OH 45242

See All

Not sure about Cincinnati

Check out these other Ohio cities...

Columbus

Cleveland

Toledo

$1,172

The average Cincinnatian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

188

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

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Cincinnati Car Insurance

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