Compare Cincinnati, OH Car Insurance Rates (2021)

Car insurance in Cincinnati, OH averages $275 a month. Cincinnati, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Cincinnati car insurance rates, compare quotes from the top car insurance companies in Cincinnati, OH.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Cincinnati is USAA
  • Average car insurance rates in Cincinnati, OH are $3,304/year
  • Average car insurance rates in Cincinnati, OH after a DUI are $3,841/year

If you need to buy Cincinnati, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Cincinnati, OH is right here.

You’ll find Cincinnati car insurance rates, the cheapest Cincinnati, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Cincinnati, Ohio car insurance rates to Dayton car insurance rates, Canton car insurance rates, and Columbus car insurance rates.

Ready to find affordable Cincinnati, OH car insurance today? Enter your ZIP code for fast, free Cincinnati car insurance quotes.

Cheapest Cincinnati, OH Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cincinnati, OH car insurance rates? Every Cincinnati, Ohio car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cincinnati, Ohio

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,409 $2,387 $2,183 $2,333 $6,914 $7,916 $2,510 $2,667
American Family $1,061 $1,101 $986 $987 $3,560 $3,860 $1,324 $1,396
Farmers $2,096 $2,089 $1,844 $1,950 $9,543 $9,918 $2,353 $2,450
GEICO $1,630 $1,591 $1,540 $1,566 $4,515 $4,201 $1,812 $1,525
Liberty Mutual $2,333 $2,541 $1,790 $2,175 $12,692 $14,316 $2,470 $2,695
Nationwide $2,620 $2,629 $2,364 $2,377 $6,897 $8,875 $2,806 $3,264
Progressive $2,055 $1,921 $1,711 $1,769 $9,515 $10,705 $2,465 $2,552
State Farm $1,786 $1,786 $1,613 $1,613 $5,823 $7,299 $2,083 $2,396
Travelers $1,552 $1,575 $1,548 $1,538 $6,802 $10,715 $1,624 $1,847
USAA $959 $965 $922 $913 $3,090 $3,427 $1,285 $1,382

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Minimum Car Insurance in Cincinnati, OH

Every driver must carry the minimum car insurance in Cincinnati, OH. Take a look at the Ohio car insurance requirements.

Minimum Required Car Insurance Coverage in Cincinnati, Ohio

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Cincinnati, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Cincinnati, OH. Compare credit history car insurance rates in Cincinnati from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Cincinnati, Ohio

Insurance Company Poor Fair Good
Allstate $4,711 $3,433 $2,851
American Family $2,372 $1,615 $1,366
Farmers $4,554 $3,861 $3,676
GEICO $2,761 $2,297 $1,834
Liberty Mutual $7,335 $4,513 $3,532
Nationwide $4,812 $3,867 $3,258
Progressive $4,564 $3,971 $3,724
State Farm $4,348 $2,685 $2,116
Travelers $3,799 $3,310 $3,092
USAA $2,095 $1,488 $1,270

Cheapest Cincinnati, OH Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cincinnati, OH to rates for a clean record with top companies.

Annual Cincinnati, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,055 $3,718 $4,407 $3,479
American Family $1,707 $1,810 $1,810 $1,810
Farmers $3,318 $4,284 $4,178 $4,341
GEICO $1,543 $2,252 $3,298 $2,096
Liberty Mutual $4,301 $5,535 $5,643 $5,027
Nationwide $3,188 $4,056 $5,147 $3,525
Progressive $3,515 $4,814 $3,745 $4,272
State Farm $2,764 $3,335 $3,050 $3,050
Travelers $2,496 $3,265 $4,931 $2,908
USAA $1,236 $1,667 $2,198 $1,370

Cheapest Cincinnati, OH Car Insurance for Teen Drivers

Teen car insurance in Cincinnati, OH can be expensive. Take a look at rates from the top car insurance companies in Cincinnati for teenagers.

Annual Car Insurance Rates for Teen Drivers in Cincinnati, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,914 $7,916
American Family $3,560 $3,860
Farmers $9,543 $9,918
GEICO $4,515 $4,201
Liberty Mutual $12,692 $14,316
Nationwide $6,897 $8,875
Progressive $9,515 $10,705
State Farm $5,823 $7,299
Travelers $6,802 $10,715
USAA $3,090 $3,427

Cheapest Cincinnati, OH Car Insurance for Seniors

Take a look at Cincinnati, OH senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Cincinnati, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,183 $2,333
American Family $986 $987
Farmers $1,844 $1,950
GEICO $1,540 $1,566
Liberty Mutual $1,790 $2,175
Nationwide $2,364 $2,377
Progressive $1,711 $1,769
State Farm $1,613 $1,613
Travelers $1,548 $1,538
USAA $922 $913

Cheapest Cincinnati, OH Car Insurance Rates After a DUI

A DUI in Cincinnati, OH increases car insurance rates. Compare Cincinnati, Ohio DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Cincinnati, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,407
American Family $1,810
Farmers $4,178
GEICO $3,298
Liberty Mutual $5,643
Nationwide $5,147
Progressive $3,745
State Farm $3,050
Travelers $4,931
USAA $2,198

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Cheapest Cincinnati, OH Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cincinnati, OH by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Cincinnati, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,665 $3,665
American Family $1,762 $1,807
Farmers $4,030 $4,030
GEICO $2,260 $2,335
Liberty Mutual $5,127 $5,127
Nationwide $3,979 $3,979
Progressive $4,087 $4,087
State Farm $2,973 $3,126
Travelers $3,400 $3,400
USAA $1,557 $1,678

Cheapest Cincinnati, OH Car Insurance Rates by ZIP Code

Cincinnati car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cincinnati, OH.

Annual Car Insurance Rates by ZIP Code in Cincinnati, Ohio

ZIP Code Average Annual Rates
45202 $3,231
45203 $3,256
45204 $3,289
45205 $3,370
45206 $3,254
45207 $3,234
45208 $3,173
45209 $3,159
45211 $3,271
45212 $3,126
45213 $3,170
45214 $3,407
45215 $3,059
45216 $3,119
45217 $3,201
45219 $3,343
45220 $3,278
45221 $3,267
45223 $3,313
45224 $3,162
45225 $3,421
45226 $3,121
45227 $3,099
45229 $3,328
45230 $2,996
45231 $3,042
45232 $3,322
45233 $3,131
45234 $3,264
45235 $3,110
45240 $3,032
45241 $2,930
45242 $2,961
45245 $2,781
45247 $3,024
45248 $3,133
45249 $2,959
45251 $3,032
45267 $3,072

The Best Cheap Car Insurance Companies in Cincinnati, OH

Take a look at a side-by-side comparison of the top car insurance companies in Cincinnati, OH to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Cincinnati, Ohio

Insurance Company Average Annual Rates
Allstate $3,665
American Family $1,784
Farmers $4,030
GEICO $2,297
Liberty Mutual $5,127
Nationwide $3,979
Progressive $4,087
State Farm $3,050
Travelers $3,400
USAA $1,618

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Category Winners: Cheapest Car Insurance in Cincinnati, Ohio

Find the cheapest car insurance companies in Cincinnati, OH for each category right here.

Best Annual Car Insurance Rates by Company in Cincinnati, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

Cheapest Cincinnati, OH Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cincinnati car insurance rates. Find the cheapest Cincinnati, OH car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Cincinnati, Ohio

Insurance Company Low Medium High
Allstate $3,534 $3,657 $3,803
American Family $1,748 $1,799 $1,806
Farmers $3,806 $3,966 $4,319
GEICO $2,222 $2,288 $2,382
Liberty Mutual $4,944 $5,152 $5,284
Nationwide $4,406 $3,856 $3,675
Progressive $3,940 $4,056 $4,265
State Farm $2,887 $3,061 $3,201
Travelers $3,320 $3,442 $3,438
USAA $1,543 $1,616 $1,694

What affects car insurance rates in Cincinnati, Ohio?

What factors can have an impact on Cincinnati, OH car insurance? There are several reasons why Cincinnati car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cincinnati, Ohio.

Car Theft in Cincinnati

High levels of vehicle theft can make car insurance more expensive. Cincinnati, OH car theft statistics from the FBI indicate 1,310 vehicle thefts a year.

Commute Time in Cincinnati

The more time you spend in your car the higher the risk of an accident. The average commute length in Cincinnati, OH is 23.2 minutes according to City-Data.

Traffic in Cincinnati

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cincinnati, OH traffic data from INRIX ranks Cincinnati as the 604th-most congested in the world.

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Compare Car Insurance Quotes in Cincinnati, OH

Ready to find affordable Cincinnati, Ohio car insurance today? Enter your ZIP code for fast, free Cincinnati, OH car insurance quotes.

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