Average car insurance cost in Cincinnati, OH

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average car insurance cost in Cincinnati, Ohio is $1,608 per year, according to Insure.com data analysis. Also, the car insurance rates in Cincinnati is $191 more than the average rates in Ohio and $287 less than the national average.

Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions.

This article provides details on the most and least expensive car insurance companies in Cincinnati, the average car insurance rates categorized by age and gender, and the cost of car insurance in Cincinnati based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Cincinnati. Read on to learn more.

Cheap car insurance companies in Cincinnati

Grange Insurance offers the cheapest car insurance in Cincinnati, at an average of $1,094 per year with full coverage limits of 100/300/100.

The second cheapest company in Cincinnati is Auto-Owners, offering car insurance rates at $1,251 per year.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Cincinnati before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Cincinnati, Ohio:

Read about the best car insurance companies.

Average car insurance cost in Cincinnati by coverage limits

The average car insurance rates in Cincinnati by coverage type are as follows:

• State minimum coverage: $454 per year (limits of 25/50/25)
• Liability-only coverage: $556 per year (limits of 50/100/50)
• Full coverage: $1,608 per year (limits of 100/300/100)
• Non-owners coverage: $260 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Cincinnati

The average car insurance per year for female drivers in Cincinnati, Ohio, is $1,615.

Whereas the yearly average car insurance rate for male drivers is $1,601, which is $14 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Cincinnati

In Cincinnati, car insurance rates are the highest for teens, at $5,554 per year or $463 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $2,664 per year for their car insurance which is $2,890 less than what the teens pay for their insurance policy.

The car insurance rates in Cincinnati for adult and senior drivers are $1,624 and $1,681 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Cincinnati

If we look at the car insurance rates trends in Cincinnati, Ohio, it was on an upward swing from 2022 to 2023. From 2022 to 2023, the rates increase overall by 37%, or $432.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Cincinnati, are higher than the average insurance cost in Ohio. Shopping around and taking advantage of available discounts, drivers in Cincinnati can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

 . .

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.