Buy Cheap Cincinnati, OH Auto Insurance (2021)

Cincinnati, OH auto insurance rates average $275 a month. Minimum auto insurance requirements in Cincinnati, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Cincinnati, OH, compare Cincinnati auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • The most expensive auto insurance company in Cincinnati is Liberty Mutual
  • The most expensive auto insurance company in Cincinnati after a DUI is Liberty Mutual
  • Average auto insurance rates in Cincinnati, OH for teens drivers are $6,935/year

Finding affordable Cincinnati, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Cincinnati, OH 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, OH car insurance rates compare to Akron auto insurance rates, Hamilton auto insurance rates, and Toledo auto insurance rates before you read more about the cost of auto insurance in Cincinnati.

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

Cincinnati, OH Minimum Auto Insurance Requirements

The required auto insurance in Cincinnati, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Cincinnati, Ohio is outlined here.

Minimum Required Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Cincinnati, OH Auto Insurance by Credit History

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

Annual Auto 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

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

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

Annual Auto 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

Buy Cheap Cincinnati, OH 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, OH are listed here.

Annual Auto 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

Buy Cheap Cincinnati, OH Auto Insurance for Seniors

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

Annual Auto 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

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

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

Annual Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Cincinnati, OH 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, OH by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Cincinnati, OH Auto Insurance Rates by ZIP Code

Auto insurance rates in Cincinnati, Ohio can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Cincinnati, OH to see how much where you live in Cincinnati affects the cost of car insurance.

Annual Auto 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

Find Cheap Cincinnati, OH Auto Insurance Rates by Driving Record

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

Annual Cincinnati, Ohio Auto 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

Find Cheap Cincinnati, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Cincinnati, Ohio 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, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Cincinnati, Ohio

Insurance Company Annual Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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

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

Best Annual Auto 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

Find Cheap Cincinnati, Ohio Auto Insurance Companies

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

Average Annual Auto 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

What affects Cincinnati, Ohio auto insurance rates?

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

Auto Theft in Cincinnati

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Cincinnati, OH auto theft show a total of 1,310 vehicle thefts annually.

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, OH is 23.2 minutes according to City-Data.

Traffic in Cincinnati

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Compare Auto Insurance Quotes in Cincinnati, OH

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption