Best Auto Insurance Rates in Cincinnati, Ohio

On average your neighbors pay $57 a month.

See Your Rates

Compare Auto Insurance Quotes in Cincinnati, OH

Cincinnati, Ohio is home to the oldest baseball team in the MLB, the Cincinnati Reds, who were originally called the Cincinnati Red Stockings when the team started in 1866. In that era, many German and Irish immigrants flocked to Cincinnati, bringing culture and food with them. Nowadays, this legacy continues, and the city is famous for Cincinnati Chili and Goetta, a breakfast favorite. Whether you’re a Reds fan, a Bengals fan, or both, you should be able to get affordable car insurance rates.

Average Cincinnati Car Insurance Rates

How much is car insurance in Cincinnati, OH? High crime and accident frequency are major drivers behind Cincinnati's car insurance rates, which are higher than both the state and national averages. The average cost of auto insurance in Ohio is $682.70 a year. The national average cost of coverage is $866.31.

Prices may vary depending on your driving record and the points on your driver's license, age, gender, type of car, and the total number of insurance claims filed in your zip code.

Ohio Average Annual Car Insurance Rates
Coverage Rates
Liability $388.88
Collision $260.20
Comprehensive $117.58
Total Cost Per Year $682.70
Price Per Month $56.89

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Cincinnati, Ohio and save up to 40% on your premium.

Last year, 15,660 people used QuoteWizard to compare auto insurance quotes in Cincinnati, OH from multiple companies, and find the cheapest rates.

Top 10 Vehicles in Cincinnati

This is our list of the most common car makes and models owned by Cincinnati drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet Impala LS
  3. Honda Accord EX/LX
  4. Ford Taurus
  5. Chevrolet Malibu LS
  6. Chevrolet Cavalier
  7. Toyota Camry LE/XLE/SE
  8. Honda Civic EX
  9. Hyundai Sonata GLS
  10. Nissan Altima 2.5 S
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Cincinnati

This is our list of the most common car insurance companies reported by QuoteWizard users living in Cincinnati, OH last year. 1,086 of these users did not have insurance when they requested a quote.

Other popular Cincinnati, Ohio car insurance companies include: Safeco, MetLife, USAA, Travelers, Country Financial, Erie, AIG, and Hartford.

Cincinnati Drivers

In a recent report published by Allstate Insurance, Cincinnati, OH ranked 164th out of 200 cities for safe driving. According to Allstate’s data, most US drivers go ten years without having an accident, drivers here are involved in crashes every 7.2 years. Of the 15,660 Cincinnati drivers that used QuoteWizard last year, 427 reported at least one incident on their driving record.

Cincinnati drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
Click Here

Driving Conditions

Several factors that affect insurance rates are the weather and road conditions.

Weather

Cincinnati, Ohio experiences hot, humid summers and cold, dry winters. It rains throughout the year. Just not very much. There are 139 days a year with measurable precipitation. This means you can expect a wet commute about once every three days. It snows too, but Cincinnati is far enough south of the Great Lakes that it isn’t impacted by lake-effect snow. Even so, residents have about 30 snowy days a year.

Road Conditions

According to a recent study by TRIP, 20% of the major roads in and around Cincinnati are in poor condition and 23% are mediocre. These poorly maintained, pothole-filled streets costs drivers $455 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom's annual traffic index report, Cincinnati ranks 52nd for worst traffic congestion in the United States. At least traffic congestion isn't too bad. Still, the result is that the average commuter spends an additional 21 minutes per hour stuck in traffic during rush hour commutes and an additional 82 hours per year for those with 30-minute commutes.

Traffic Statistics

In the Cincinnati metro area, the total number of traffic fatalities dropped from 162 in 2011 to 135 in 2012.

Moving Violations

Moving violations like drunk driving, at-fault accidents, and speeding can add points to your driver's license. Too many points will give you a bad driving record and require you to purchase high-risk car insurance.

Traffic Tickets

The Hamilton County Municipal Court website allows you to pay traffic citations and tells drivers how to contest tickets.

Last year Hamilton County made 4,687 enforcement traffic stops.

SR-22 OVI Insurance

An OVI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from top companies that specialize in Cincinnati OVI insurance.

Traffic Fatalities

Cincinnati experienced 21 fatal motor vehicle crashes in 2014, 22 of them ending in death. All traffic deaths are a tragic loss, and considering Cincinnati’s estimated population of 298,800, this city ranks among the nation's safest in terms of traffic fatalities per capita.

There were 299 OVI enforcement stops in Hamilton County for all of 2014.

Vehicle Theft Rates

Cincinnati police reported 1,161 motor vehicle thefts in 2016. This is a rate of 3.89 theft per 1,000 residents.

Legal Minimum Insurance Requirements

Cincinnati, Ohio drivers are required to maintain minimum liability coverage known as the 25/50/25 rule. This rule states that each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The total insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The maximum amount your insurance carrier will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Cincinnati.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies under one insurance company can save you as much as 15% on your premium
  2. Keep your driving record clean with no ticket or accidents to qualify for a safe driver or accident free discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Drive less. Live close to work and get the low mileage discount
  5. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  6. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  7. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  8. Take a defensive driving course from an accredited driving school
  9. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  10. Shop around and compare low-cost Cincinnati car insurance quotes

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.