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

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

Find Local Cincinnati Agents

American Heritage Insurance Group LLC

9370 Main Street Suite E Cincinnati, OH 45242

Winters Financial Network, Inc.

5556 Cheviot Rd Ste B Cincinnati, OH 45247

Dabbelt Ins Agcy Inc

5932 Glenway Ave Cincinnati, OH 45238

Gellenbeck Financial Services

9420 Towne Square Ave Ste 11 Cincinnati, OH 45242

Zinser Insurance Agency LLC

5310 Glenway Ave Cincinnati, OH 45238

Premier Insurance Associates

9650 Cincinnati-Columbus Rd Cincinnati, OH 45241

HTT Agency, Inc.

5879 Cheviot Rd Ste 1 Cincinnati, OH 45247

RIA Ries Insurance Agency, Inc.

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

Owens & Grimes Insurance Inc.

1208 Collinsdale Ave Cincinnati, OH 45230

The Christenson Lewis Insurance Agency

4484 Mount Carmel Tobasco Rd Cincinnati, OH 45244

CIC Agency, Inc.

1060 Nimitzview Dr Ste 120 Cincinnati, OH 45230

Broz Insurance Agency, Inc.

3900 Harrison Ave Cincinnati, OH 45211

Lauber & Will Insurance, Inc.

7012 Harrison Ave Cincinnati, OH 45247

Henry Insurance Agency LLC

2757 Observatory Ave #22 Cincinnati, OH 45208

Schwierling Insurance Agency, Inc.

6601 Colerain Ave Cincinnati, OH 45239

Chip Berry Insurance

8041 Hosbrook Rd Ste 414 Cincinnati, OH 45236

Raymond F Folz & Co

2436 Central Pky Cincinnati, OH 45214

Heister Insurance

3540 Blue Rock Rd Cincinnati, OH 45239

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

See How Much You Can Save in Cincinnati

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Cincinnati Car Insurance

Religious Exemptions for Car Insurance: Are They Legal?
Religious Exemptions for Car Insurance: Are They Legal?
Aug 09, 2017

In nearly every conceivable scenario, if you’re driving around in a motor vehicle, there is no reason why you should...

Zipcar vs. car2go: Which Car Sharing Service is King?
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017

Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...

What You Need to Know about Getting High and Driving in 2017
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....

Kids and Pets Left in Hot Cars: What Can You Do?
Kids and Pets Left in Hot Cars: What Can You Do?
Aug 31, 2016

The interior temperature of a parked car sitting in the sun on a 78-degree day can reach 120 degrees in...

50 Research-Based Tips to Save on Car Insurance
50 Research-Based Tips to Save on Car Insurance
Aug 08, 2016

Finding the right car insurance can be frustrating and complex — no thanks to varying state coverage requirements and overhyped...

Which States Have the Cheapest Car Insurance?
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...

Bow-OW! Do You Need Car Insurance for Your Pet?
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016

Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...

The Danger of Trusting Your GPS
The Danger of Trusting Your GPS
Nov 02, 2015

If you use GPS regularly while driving, perhaps you’ve had fleeting “what if” thoughts—what if there’s a glitch and you’re...

Hit and Runs: What You Need To Know
Hit and Runs: What You Need To Know
Oct 06, 2015

Some traffic incidents cause heart pounding reactions, like stolen cars, car accidents, and near-misses, but unsurprisingly, hit-and-runs can be one...

Uber for Senior Citizens
Uber for Senior Citizens
Sep 01, 2015

Not content to remain a taxi for hire service, Uber has been expanding their reach—from UberPOOL to UberEats, with lots...

10 Places It’s Cheap to Own a Car Right Now
10 Places It’s Cheap to Own a Car Right Now
Jun 08, 2015

Quoted wondered: In which of our 50 beautiful states is it the least expensive to own a car? We combined...

Auto Repair: How to Choose a Mechanic
Auto Repair: How to Choose a Mechanic
Jun 04, 2015

Finding a repair shop and mechanic you trust to both fix your car well and not take you for a...

Should Price Optimization Be Illegal?
Should Price Optimization Be Illegal?
Feb 23, 2015

If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...

Stop Texting and Walking: You Could Hurt Yourself
Stop Texting and Walking: You Could Hurt Yourself
Jan 23, 2015

According to numerous studies, we now spend approximately half of our waking hours looking at screens—around 8.5 hours on any...

Dads and Cars: A Love(ish) Story
Dads and Cars: A Love(ish) Story
Jun 12, 2014

In celebration of Father’s Day this Sunday (is your card in the mail yet?), we wanted to round up some...