Car Insurance in Cincinnati
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Car Insurance in Cincinnati, OH
Folks in Cincinnati love their teams, their chili, and not overpaying for car insurance. From Fountain Square across the river into Covington, Kentucky, drivers benefit from finding the right car insurance in Cincinnati, Ohio.
Drivers in Ohio's third-largest city do their fair share of driving, but if you are new to driving in Cincinnati, you should be aware of the street cars. Cincinnati's old-timey street cars necessitate a list of traffic laws specific to the city. For instance, crossing the transit lanes that street cars use is illegal. Other than that, driving in Cincinnati is similar to driving in the rest of Ohio. Likewise, drivers don't have to purchase additional insurance beyond what's already required by the state.
If you live in Cincy or just drive over the city's seven hills from time to time, it's a good idea to compare car insurance in Cincinnati to find the best rate for you. You might pay less based on your age, driving record, or even your zip code.
How much is car insurance in Cincinnati, OH?
Insurance prices in Cincinnati can vary significantly depending on your coverage needs and personal factors like driving record or car type. To give you a rough idea, here are the average costs for the three most common types of coverage in Cincinnati, offering a basic reference point for budgeting:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Cincinnati?
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $126 |
| 2 | Dodge Grand Caravan | $128 |
| 3 | Honda Cr-V | $129 |
| 4 | Kia Sol | $135 |
| 5 | Ford F-150 | $135 |
| 6 | Ford Fusion | $136 |
| 7 | Toyota Tacoma | $138 |
| 8 | Jeep Cherokee | $138 |
| 9 | Toyota Corolla | $139 |
| 10 | Toyota Rav4 | $141 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving history in Cincinnati can heavily impact how much you pay for car insurance. Even small claims like fender benders or speeding tickets can drive your rates up, while more serious violations like a DUI can have a major impact. Below is a breakdown of how various claims and violations affect your premiums, ranked by severity:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $141 | +0% |
| Not at-fault Accident | $150 | +6% |
| Driving with expired registration | $180 | +28% |
| Speeding Ticket | $187 | +33% |
| At-fault Accident | $230 | +63% |
| DUI | $266 | +89% |
| Hit and Run | $270 | +91% |
| Driving with a suspended license | $277 | +96% |
What car insurance discounts can I get in Cincinnati?
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $127 | +$14 |
| Paid in Full | $131 | +$10 |
| Low Mileage | $132 | +$9 |
| Multi-Policy Renters | $133 | +$8 |
| Electronic Funds Transfer | $138 | +$3 |
| Renewal discount | $140 | +$1 |
| Paperless | $140 | +$1 |
| None | $141 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.