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 AverageState AverageNational Average
$1,170$1,011$1,569


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 ViolationAverage Insurance Rate
DUI$1,840
Reckless Driving$1,992
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
AgeAverage Rate
Teenagers$4,635
20s$1,730
30s$1,151
40s$1,115
50s$1,022
60s$1,146
70s$1,218


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/GenderAverage Rate
Female$1,182
Male$1,170
Single$1,170
Married$1,117
Divorced$1,170
Widowed$1,156


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 ScoreAverage Auto Insurance Rate
Very Poor$2,309
Fair$1,414
Good$1,170
Very Good$1,059
Exceptional$967


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

2
Major Highways
I-71 I-74 I-75
2
Public Transit
Metro Bus TANK Bus

Find Local Cincinnati Agents

Premier Insurance Associates

9650 Cincinnati-Columbus Rd Cincinnati, OH 45241

CIC Agency, Inc.

1060 Nimitzview Dr Ste 120 Cincinnati, OH 45230

Henry Insurance Agency LLC

2757 Observatory Ave #22 Cincinnati, OH 45208

Broz Insurance Agency, Inc.

3900 Harrison Ave Cincinnati, OH 45211

The Christenson Lewis Insurance Agency

4484 Mount Carmel Tobasco Rd Cincinnati, OH 45244

RIA Ries Insurance Agency, Inc.

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

Heister Insurance

3540 Blue Rock Rd Cincinnati, OH 45239

Lauber & Will Insurance, Inc.

7012 Harrison Ave Cincinnati, OH 45247

Chip Berry Insurance

8041 Hosbrook Rd Ste 414 Cincinnati, OH 45236

Owens & Grimes Insurance Inc.

1208 Collinsdale Ave Cincinnati, OH 45230

Zinser Insurance Agency LLC

5310 Glenway Ave Cincinnati, OH 45238

Gellenbeck Financial Services

9420 Towne Square Ave Ste 11 Cincinnati, OH 45242

Schwierling Insurance Agency, Inc.

6601 Colerain Ave Cincinnati, OH 45239

Raymond F Folz & Co

2436 Central Pky Cincinnati, OH 45214

Winters Financial Network, Inc.

5556 Cheviot Rd Ste B Cincinnati, OH 45247

American Heritage Insurance Group LLC

9370 Main Street Suite E Cincinnati, OH 45242

Dabbelt Ins Agcy Inc

5932 Glenway Ave Cincinnati, OH 45238

HTT Agency, Inc.

5879 Cheviot Rd Ste 1 Cincinnati, OH 45247

Not sure about Cincinnati

Check out these other Ohio cities...

Columbus

Cleveland

Toledo

2

$1,172

The average Cincinnatian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

188

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

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Recent Questions:

Cincinnati Car Insurance

Does renters insurance cover hotel stay if my air conditioning system goes out?

Typically, your renter's policy will not cover your hotel due to your air conditioner being out. A broken AC is not considered the loss of use of the dwelling (home) — they typically only pay for other accommodations when the entire dwelling is uninhabitable.

How do I cancel my insurance policy?

No, you will not be committing insurance fraud. You don't have to give a reason for canceling your policy at all.

Can lienholder be responsible in car accident?

If you keep the car registered in your name, there is a possibility that you could be held liable for damages that exceed the driver's policy. It is not common, however, there is still a chance.

What happens to the rest of future premium if policyholder dies?

The estate should get a refund on the prorated premium that was paid for before the policy canceled. You will need to contact the insurance company right away to cancel the policy.