Best Cincinnati, OH Auto Insurance in 2024

Are you looking for cheap auto insurance in Cincinnati, OH? At AutoInsuranceEZ.com, you will discover the lowest priced insurance rates where you live. To find free car insurance estimates available from the very best providers immediately, input your local zipcode into the quote box in this posting.

Cincinnati has a long and varied history, from once being the largest city in the US to being the pork capital of the country. It has also been a world-famous source of orchestral and choral music in the past. Today, it is the third largest city in Ohio and the home city of many famous national and international corporations.

• Here’s a fun fact: were you aware that Cincinnati is #57 on the list of “Top 100 biggest cities”? You can learn more about Cincinnati here.

Auto Insurance Coverage Requirements in Ohio

Driving legally in Cincinnati requires:

Remember that Liability only coverage will only pay out claims if the damage to your vehicle was considered your fault. Everything else that can possibly happen to your car – theft, storm damage, a hit-and-run accident – you will be completely responsible for.

In part because state mandatory minimums are so low, the average Ohio driver might only pay around $77 each month in premiums. However, living in Cincinnati can get you premiums as low as $32/mo*! For more information on Ohio car insurance, visit our Ohio page.

If you feel like you fit the profile of a typical driver, you might be able to find the lowest rates from Ohio Mutual or State Farm. But there is a lot more to insurance than just your monthly premium. Customer service and claims filing is also important too.

Auto insurance providers evaluate different variables when they calculate insurance rates, including gender, accident claims, occupation, education, and whether or not there are multiple cars and/or drivers on your policy. Furthermore, premiums may vary from one company to another. To find out if you’re still paying the lowest-cost cost, compare cheap Cincinnati auto insurance price quotes via the internet.

Major Car Insurance Factors in Cincinnati

There is a range of numerous items which may factor into the rate quotes you are given. Even though some specific elements aren’t actually something you can do something about, some of them are elements that you can change for the better. Here are a few things which may affect your automobile insurance premium:

Your Zip code

Your auto insurance rates may vary depending on where you call home. Usually, highly populated cities have higher auto insurance rates as the additional amount of car owners on the highway raises the likelihood of a collision! There are 297,517 people in Cincinnati and the normal household income is $34,605.

Automotive Accidents

Driving around in a city with a high number of accidents can have an expensive influence in your monthly rate. Take a look at the statistics for Cincinnati in the chart below. If those numbers concern you, give your insurance agent a call. Also, be sure to ask about any Safe Driver discounts.

Auto Thefts in Cincinatti

Even in non-urban towns or small cities, car theft can be a significant issue. To help make it a lesser dilemma for you personally, consider investing in a passive anti-theft system for your motor vehicle. Your current auto insurance provider may compensate you with cheaper prices! In Cincinnati, there were 1,276 auto thefts in the year 2013. Since these rates are still a little high, it might be a good idea to make sure you have some Comprehensive coverage on your policy.

Your Credit Score

Certain companies will charge you more than others for having poor credit. Take a look at the chart below. The General and Nationwide are willing to give poor credit drivers a little bit of a break, but others will charge you double or more for having a poor credit score.

Age

Good Student and Drivers Ed discounts can help alleviate costs for young drivers, but they will still have to pay some pretty high premiums due to their lack of experience and the heightened risk of accidents. Some companies, like The General and Ohio Mutual, feel that they are too risky to insure altogether.

Your Driving Record

Serious violations, such as a DUI, can really make your premiums jump – or make you lose your coverage altogether. Lesser accidents and minor speeding tickets will also lead to higher rates, but not usually as much. You may even be able to get some Accident Forgiveness discounts.

Your Vehicle

The more expensive your car is, which is typical of luxury vehicles, the more insurance coverage you will need in order to cover it. If you buy less than adequate coverage as a means to save money, keep in mind that if the worst happens, you will be financially responsible after you hit your coverage limits.

Minor Car Insurance Factors in Cincinnati

There are other, and often overlooked, attributes which can have an influence on your rates too:

Your Marital Status

Married couples don’t necessarily get charged less for being married, but they can get some decent discounts by bundling their policies together. You can even get some great prices by adding homeowner’s or renter’s insurance to your policy, also.

Your Gender

There isn’t any hard and fast rule about gender and premiums for the automotive insurance industry. Some companies want to charge women more, others think men are riskier to insure. Many don’t even bother to charge men and women different rates anymore.

Your Driving Distance to Work

While typical commute times usually range between 14-37 total minutes, it is not uncommon for the drive to work to last between 19-22 minutes. Around 72% of motorists will drive their own automobile to work, while another 3-9% will carpool. 7% take the bus.

Insuring your car or truck as a business vehicle will likely see a rate hike of 11-12%. In all other aspects, such as yearly mileage, your reason for driving, etc., you’d have to make drastic cuts just to see a few percentage points of a discount.

Your Coverage and Deductibles

Adjusting your deductible is a quick and simple way to see immediate changes in your monthly rate. Raising your deductible can get you lower monthly premiums, but you have to keep in mind that you must pay that amount if you have to file a claim.

Education in Cincinnati, OH

Over 25% of the Cincinnati population has earned a high school diploma or other equivalent, while 23% of residents have not yet completed all four years of their high school education. If you’ve been thinking about returning to school, consider this: the higher your education, the lower your car insurance rate will be.

The University of Cincinnati is a major state school which educates more than 34,000 students annually and offers degree levels starting at baccalaureate and going all the way up to doctoral. Additionally, there are several colleges oriented with various religious institutions, such as Xavier University and the Hebrew Union College – Jewish Institute of Religion. Vocational schools are also located in Cincinnati, such as the Gateway Community and Technical College or the Cincinnati State Technical and Community College.

Finding inexpensive auto insurance might end up being a headache. There’s lots of important information to look at, and determining precisely how insurance agencies assess your potential risk may be complex. But don’t allow the wrong insurance agency talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Ohio Department of Insurance

Division of Financial Institutions – Ohio Department of Commerce

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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