The average Cincinnatian's annual cost of coverage


Our customer's average savings after comparing insurance


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

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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 Cheap
45223 45214 45225 45205 45219
45245 45244 45255 45230 45242

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Driving in Cincy

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

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

Heister Insurance

3540 Blue Rock Rd Cincinnati, OH 45239

HTT Agency, Inc.

5879 Cheviot Rd Ste 1 Cincinnati, OH 45247

Owens & Grimes Insurance Inc.

1208 Collinsdale Ave Cincinnati, OH 45230

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