Buy Cheap Cincinnati, IA Auto Insurance (2021)

Cincinnati, IA auto insurance rates average $250 a month. Minimum auto insurance requirements in Cincinnati, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Cincinnati, IA, compare Cincinnati auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Cincinnati, IA are $250/month
  • The most expensive auto insurance company in Cincinnati after a DUI is Travelers
  • Average auto insurance rates in Cincinnati, IA after a DUI are $3,611/year

Finding affordable Cincinnati, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Cincinnati, IA auto insurance with confidence is right here. Auto insurance rates in Cincinnati are affected by local factors as well as personal ones like your driving record.

See how Cincinnati, IA car insurance rates compare to Sioux City auto insurance rates, Ames auto insurance rates, and Ankeny auto insurance rates before you read more about the cost of auto insurance in Cincinnati.

Don’t buy Cincinnati, IA auto insurance until you’ve compared rates. Get free Cincinnati, Iowa auto insurance quotes when you enter your ZIP code above.

Cincinnati, IA Minimum Auto Insurance Requirements

The required auto insurance in Cincinnati, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Cincinnati, Iowa is outlined here.

Minimum Required Auto Insurance Coverage in Cincinnati, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Cincinnati, IA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Cincinnati, IA. Take a look at Cincinnati, Iowa auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Cincinnati, Iowa

Insurance Company Poor Fair Good
Allstate $3,357 $2,673 $2,400
American Family $3,987 $2,929 $2,457
Farmers $2,850 $2,361 $2,236
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,311 $3,886 $3,061
Nationwide $3,226 $2,510 $2,203
Progressive $3,078 $2,460 $2,217
State Farm $3,275 $2,025 $1,597
Travelers $6,130 $5,219 $4,966
USAA $2,456 $1,684 $1,458

Buy Cheap Cincinnati, IA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Cincinnati, Iowa auto insurance rates? Find out how car insurance rates in Cincinnati, IA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Cincinnati, Iowa

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 $1,896 $1,833 $1,674 $1,707 $5,256 $5,883 $2,083 $2,149
American Family $2,029 $2,029 $1,809 $1,809 $5,323 $7,520 $2,029 $2,449
Farmers $1,539 $1,569 $1,379 $1,507 $4,626 $4,935 $2,082 $2,222
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,147 $2,334 $1,883 $2,289 $10,152 $11,432 $2,432 $2,686
Nationwide $1,857 $1,913 $1,650 $1,770 $4,173 $5,435 $2,090 $2,282
Progressive $1,871 $1,819 $1,540 $1,594 $4,299 $4,869 $2,254 $2,433
State Farm $1,548 $1,548 $1,341 $1,341 $3,918 $5,002 $1,734 $1,961
Travelers $2,515 $2,571 $2,422 $2,432 $10,762 $17,071 $2,609 $3,125
USAA $1,253 $1,270 $1,147 $1,174 $3,349 $3,563 $1,506 $1,665

Buy Cheap Cincinnati, IA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Cincinnati can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Cincinnati, IA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Cincinnati, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,256 $5,883
American Family $5,323 $7,520
Farmers $4,626 $4,935
GEICO $4,328 $4,022
Liberty Mutual $10,152 $11,432
Nationwide $4,173 $5,435
Progressive $4,299 $4,869
State Farm $3,918 $5,002
Travelers $10,762 $17,071
USAA $3,349 $3,563

Buy Cheap Cincinnati, IA Auto Insurance for Seniors

You can save on senior auto insurance rates in Cincinnati, Iowa by comparing Cincinnati senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Cincinnati, IA here.

Annual Auto Insurance Rates for Senior Drivers in Cincinnati, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,674 $1,707
American Family $1,809 $1,809
Farmers $1,379 $1,507
GEICO $1,710 $1,564
Liberty Mutual $1,883 $2,289
Nationwide $1,650 $1,770
Progressive $1,540 $1,594
State Farm $1,341 $1,341
Travelers $2,422 $2,432
USAA $1,147 $1,174

Find Cheap Auto Insurance Rates in Cincinnati, IA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Cincinnati, Iowa auto insurance. Compare Cincinnati, IA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Cincinnati, Iowa

Insurance Company Low Medium High
Allstate $2,717 $2,813 $2,900
American Family $3,152 $3,298 $2,924
Farmers $2,373 $2,490 $2,584
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,243 $4,411 $4,604
Nationwide $2,780 $2,625 $2,533
Progressive $2,449 $2,590 $2,715
State Farm $2,206 $2,310 $2,382
Travelers $5,154 $5,518 $5,642
USAA $1,772 $1,872 $1,954

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Find Cheap Cincinnati, IA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Cincinnati. Compare auto insurance rates in Cincinnati, IA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Cincinnati, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,744 $2,877
American Family $3,088 $3,161
Farmers $2,482 $2,482
GEICO $2,294 $2,387
Liberty Mutual $4,419 $4,419
Nationwide $2,646 $2,646
Progressive $2,585 $2,585
State Farm $2,244 $2,354
Travelers $5,438 $5,438
USAA $1,798 $1,934

Find Cheap Cincinnati, IA Auto Insurance Rates by Driving Record

Auto insurance rates in Cincinnati, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Cincinnati, IA, take a look at the average cost for various violations versus rates for a clean driving record in Cincinnati.

Annual Cincinnati, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,409 $2,896 $3,260 $2,676
American Family $2,256 $3,300 $4,289 $2,654
Farmers $2,115 $2,622 $2,663 $2,529
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,820 $4,717 $4,820 $4,320
Nationwide $1,902 $2,753 $3,772 $2,159
Progressive $2,087 $3,377 $2,260 $2,615
State Farm $2,146 $2,452 $2,299 $2,299
Travelers $3,981 $5,279 $7,053 $5,440
USAA $1,427 $1,912 $2,487 $1,638

Find Cheap Cincinnati, IA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Cincinnati, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in Cincinnati for less when you shop around and compare rates from multiple Cincinnati, IA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Cincinnati, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,260
American Family $4,289
Farmers $2,663
GEICO $3,206
Liberty Mutual $4,820
Nationwide $3,772
Progressive $2,260
State Farm $2,299
Travelers $7,053
USAA $2,487

Winners by Category: Where to Buy Cheap Auto Insurance in Cincinnati, IA

Compare rates from the cheapest auto insurance companies in Cincinnati, IA for your needs. Take a look at how Cincinnati, Iowa auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Cincinnati, Iowa

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

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Find Cheap Cincinnati, Iowa Auto Insurance Companies

If you’re looking for the cheapest Cincinnati, IA auto insurance companies overall, you can compare them here. Find the best price for Cincinnati, Iowa car insurance by company.

Average Annual Auto Insurance Rates by Company in Cincinnati, Iowa

Insurance Company Average Annual Rates
Allstate $2,810
American Family $3,125
Farmers $2,482
GEICO $2,341
Liberty Mutual $4,419
Nationwide $2,646
Progressive $2,585
State Farm $2,299
Travelers $5,438
USAA $1,866

What affects Cincinnati, Iowa auto insurance rates?

Local factors affect auto insurance rates in Cincinnati, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact Cincinnati auto insurance rates.

Commute Times in Cincinnati

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Cincinnati, IA is 24.1 minutes according to City-Data.

Traffic in Cincinnati

How is traffic in Cincinnati, Iowa? Inrix data shows that Cincinnati, IA traffic makes it the 604th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Cincinnati, IA

You can buy cheap Cincinnati, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Cincinnati, Iowa auto insurance quotes from top companies.

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