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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.
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.
|Total Cost Per Year||$702.59|
|Price Per Month||$58.54|
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.
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.
This is our list of the most common car makes and models owned by Cincinnati drivers requesting quotes through QuoteWizard last year.
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.
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.
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.
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.
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.
In the Cincinnati metro area, the total number of traffic fatalities dropped from 162 in 2011 to 135 in 2012.
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.
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.
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.
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.
Cincinnati police reported 1,161 motor vehicle thefts in 2016. This is a rate of 3.89 theft per 1,000 residents.
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:
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.
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