Best Auto Insurance Rates in Cincinnati, Ohio

On average your neighbors pay $58 a month.

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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 $702.59 a year. The national average cost is $889.01.

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 $702.59
Price Per Month $58.54
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Ohio insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Ohio car insurance rates increased from $619 in 2011 to $702 in 2015, a jump of $82, or 13.37 percent.

Ohio average car insurance rates

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 to find the cheapest rates.

Best Car Insurance Companies in Cincinnati, OH

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.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Cincinnati, Ohio 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

Minimum Car Insurance Requirements in Cincinnati, OH

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.

Cincinnati, Ohio 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.

Driving Conditions

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


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.

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.

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 discounts available to drivers in Cincinnati, OH.

  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 20% on your premium
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. Take a defensive driving course from an accredited driving school
  6. 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

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