Best Cheap Auto Insurance in Cincinnati, OH (2021)

The average Cincinnati, OH auto insurance rates are $275 per month. The minimum auto insurance in Cincinnati is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Cincinnati, Ohio, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Cincinnati is 23.2 minutes
  • Average auto insurance rates in Cincinnati, OH for senior drivers are $1,686 per year
  • The cheapest auto insurance company in Cincinnati is USAA

Cincinnati, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Cincinnati can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Cincinnati, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Cincinnati to other Ohio cities, including Lorain auto insurance rates, Parma auto insurance rates, and Columbus auto insurance rates to see how Cincinnati, Ohio auto insurance rates stack up.

Before you buy Cincinnati, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Cincinnati, Ohio auto insurance quotes.

Minimum Auto Insurance in Cincinnati, Ohio

Cincinnati, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Cincinnati, Ohio.

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

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Cheap Cincinnati, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Cincinnati, Ohio are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Cincinnati, Ohio Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Cincinnati, Ohio is a challenge. Take a look at the annual teen auto insurance rates in Cincinnati, Ohio.

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

Cheap Cincinnati, Ohio Auto Insurance for Seniors

What are senior auto insurance rates in Cincinnati, Ohio? Take a look at the annual average rates for older drivers.

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

Cheap Cincinnati, Ohio Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Cincinnati, Ohio compared to the annual auto insurance rates with a clean record in Cincinnati, Ohio.

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

Cheap Cincinnati, Ohio Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Cincinnati, Ohio is not easy. Compare the annual rates for DUI auto insurance in Cincinnati, Ohio to find the best deal.

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

Cheap Cincinnati, Ohio Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Cincinnati, Ohio annual auto insurance rates by credit history compare.

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

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Cheap Cincinnati, Ohio Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Cincinnati, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in Cincinnati, Ohio to see how car insurance rates are affected by location.

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

Cheap Cincinnati, Ohio Auto Insurance Rates By Commute

Commute length and annual mileage affect Cincinnati, Ohio auto insurance. Find the cheapest annual Cincinnati, Ohio auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Cincinnati, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Cincinnati, Ohio Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Cincinnati, Ohio? Check out the comparison of annual Cincinnati, Ohio 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

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Best By Category: Cheapest Auto Insurance in Cincinnati, Ohio

Compare the cheapest auto insurance companies in Cincinnati, Ohio in each category to find the company with the best rates for your personal needs.

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

The Cheapest Cincinnati, Ohio Auto Insurance Companies

What auto insurance companies in Cincinnati, Ohio are the cheapest? Compare the top Cincinnati, Ohio auto insurance companies to find the best annual rates.

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 auto insurance rates in Cincinnati, Ohio?

There are a lot of reasons why auto insurance rates in Cincinnati, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Cincinnati, Ohio. Many local factors may affect your Cincinnati auto insurance rates.

Cincinnati Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Cincinnati, Ohio auto theft statistics, there have been 1,310 auto thefts in the city.

Cincinnati Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cincinnati, Ohio commute length is 23.2 minutes according to City-Data.

Cincinnati Traffic

How does Cincinnati, Ohio rank for traffic? According to Inrix Cincinnati, Ohio is the 604th most congested worldwide.

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Compare Cincinnati, Ohio Auto Insurance Quotes

Before you buy Cincinnati, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Cincinnati, Ohio auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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