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UPDATED: Jul 28, 2016
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Ohio requires car insurance coverage, so all residents have to look for deals.
The following information details the insurance coverage that must be carried, average policy costs in the city, and significant facts that can impact the way you compare car insurance companies.
Requirements for Auto Insurance in Cincinnati
Cincinnati requires its drivers to show appropriate proof of financial responsibility before driving any vehicle. This proof can be a Cincinnati car insurance card or an equivalent document issued by the Bureau of Motor Vehicles.
The minimum coverage acceptable in the metropolitan area is 12.5/25/7.5. This industry shorthand translates to $12,500 worth of bodily injury liability coverage per person, $25,000 for each accident, and $7,500 worth of property damage liability coverage.
The Ohio Department of Insurance recommends that drivers purchase a higher level of auto insurance to protect themselves from accidents, thefts, vandalism, medical payments, and property damage.
Even though 12.5/25/7.5 is the legal minimum, it may still leave the insured with a substantial financial obligation after a large claim.
Following the Law
While the Ohio requirements for car insurance are the most talked about insurance laws, other laws also exist to protect consumers. A few of the most important regulations are listed below.
Policyholders have the right to accept or refuse coverage for medical payments.
If the option is chosen, insurance companies will pay for health care related to an accident, no matter who is at fault.
Drivers holding a Cincinnati policy are not required to purchase uninsured or underinsured motorist (UM/UIM) insurance, but many financial advisors recommend at least a minimal level of protection.
The Ohio Department of Insurance reports that as many as 15 percent of Ohio drivers lack adequate car insurance coverage to pay for their damages after an accident. Uninsured motorist coverage provides peace of mind during those encounters and relieves your burden of having to pay out of pocket.
Ohio residents who drive without auto insurance are subject to license suspension for up to 90 days, impoundment of license plates and/or the vehicle, court costs, and revoked driving privileges.
Drivers who garage their cars, trucks, and SUVs in Kentucky are subject to that state’s laws, with its higher minimum insurance levels.
Seniors age 60 to 70 who live in the Cincinnati area are eligible for a two to 15 percent discount on the liability portion of their car insurance.
In order to qualify, drivers must have a clean driving history for the previous three years, pass a state-certified accident prevention course, and send the course certificate to the insurance company. The discount lasts for three years and then must be renewed by following the same procedure again.
After a Cincinnati city car insurance policy is issued, the insurance company has 89 days to cancel the contract for almost any reason.
After that waiting period, your liability coverage cannot be canceled for two years, except in the following cases:
- You lied on your application
- You filed false auto insurance claims
- You failed to pay your premiums by their due date
- Your driver’s license has been suspended
Drivers in the Cincinnati metropolitan area must receive a prior written notice if the insurer decides to cancel a policy. This notice must also detail the reasons for the action.
Companies Offering Car Insurance in Cincinnati
Recent estimates put the number of Cincinnati auto insurers at over 500.
With some of the top auto insurance companies competing for your business, choosing the right company can be difficult. Names like State Farm, State Auto, Allstate, Cincinnati Insurance Company, Safe Auto, Progressive, and Geico compete for customers through online applications and local offices.
Instead of contacting these car insurers one-by-one, repeating the same information, and finally getting quotes, our free car insurance comparison website essentially brings the insurers to you.
You are able to enter your details and get several free quotes quickly and easily with our zip code search.
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Car Insurance Rates in Cincinnati
According to the Ohio Department of Insurance, car insurance in Cincinnati is some of the cheapest coverage in the nation. Due to the low cost, the department recommends that even Cincinnati residents on a fixed budget shop around for the best car insurance quotes.
On average, a Cincinnati driver pays $1,221 per year for auto insurance, $279 more than the average car insurance costs for drivers across the state.
A number of reasons can explain this discrepancy. Factors that increase car insurance rates for Cincinnati residents include:
- Living in a city instead of a rural area
- Living in a neighborhood with high rates of auto theft, vandalism, or collisions
- Being a young, single, male driver (rates drop for insureds over age 25, insureds who are married, and insureds who are female)
- Having accidents or tickets within the previous three to five years
- Having a long commute or driving long distances regularly
- Owning a vehicle with expensive replacement parts
Statistics Affecting Car Insurance in Cincinnati
Three statistics may explain the higher auto insurance rates in Cincinnati. First, in 2014, Cincinnati had seen 20 fatalities in vehicle-related accidents. Out of all the fatal and non-fatal collisions in the city for that year, male drivers had caused 87 percent. More car insurance claims mean higher premiums for many policyholders.
Second, in 2014, Hamilton County had been rated as one of the top five counties in Ohio for car crashes involving deer, according to a major insurance company. Reported deer collisions topped 614, with potentially more left unreported.
Most car insurance policies cover deer under the comprehensive section, along with hail damage, fire, and other natural disasters.
Third, in 2015, Cincinnati had ranked number 29 out of the 100 most congested metropolitan areas, as determined by INRIX. More than 79 percent of people in the city drive to work alone, with carpooling being the next highest category at 10 percent.
A higher number of vehicles on the roadways means more congestion, increased tempers, more collisions, and more costly car insurance.
With numerous factors increasing premiums in Hamilton County, consumers are encouraged to shop around for discounts and the best car insurance policies.
Trying to buy car insurance can be a frustrating and time-consuming experience. To ease the burden, Cincinnati customers are able to use our free car insurance quote comparison website.
After answering a few simple questions, you will be matched with insurers that want to work with you. The process is straightforward, and the results can save on auto insurance quotes, perhaps even hundreds of dollars per year!
Whether you live in Over-the-Rhine or West Chester, Avondale or Pleasant Ridge, you can benefit from affordable, quality auto insurance.