The Cheapest Auto Insurance Companies in Cincinnati, Ohio, in 2026

The cheapest auto insurance company in Cincinnati is Mile Auto, with an average monthly rate of $48.

Secure. Free. Easy-to-use.
Excellent
Been here before? Get your quotes back.
Progressive LogoAllstate LogoLiberty Mutual LogoUSAA LogoThe General LogoBristol West Logo+120 more
Mandy Sleight
Written byMandy Sleight
Mandy Sleight
Mandy SleightInsurance Writer

Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.

Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.

Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.

MacK Korris
Reviewed byMacK Korris
MacK Korris
MacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
  • Licensed property and casualty insurance agent

  • NPN: 21630969

MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).

Updated

Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure

At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.

While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.

In Cincinnati, drivers pay around $110 per month for car insurance, according to Compare.com data. Cincinnati’s high crash and motor vehicle theft rates contribute to its higher premiums compared to other Ohio cities.[1][2]

That makes finding an affordable policy a priority for many drivers. Some of the city’s most budget-friendly options include Mile Auto, State Farm, and Progressive, with prices starting around $48 per month.

Below, we break down the best auto insurers in Cincinnati, the cheapest insurers by coverage and driver type, and the coverages you need to protect your finances.

Key Takeaways
  • Mile Auto is Cincinnati’s cheapest car insurance company, with an average premium of $48 per month.

  • Cincinnati car insurance rates average $82 per month for liability insurance and $138 for full coverage.

  • Nationwide, American Family, and Erie are our top picks for Cincinnati auto insurance.

The Best Auto Insurance Companies in Cincinnati

No single company is the best auto insurer for every driver. The right choice depends on factors like your budget, driving and claims history, and coverage needs. The companies below are a few of our top picks in Cincinnati based on average local rates, available coverage options and discounts, and customer ratings and reviews.

Nationwide logo
User Reviews
3.1
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.5 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$68/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$111/mo
3.1
A solid optionBased on 20 verified guest reviews and ratings
How drivers feel about Nationwide

Drivers appreciate the available discounts but dislike the high prices and lack of communication.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Nationwide

Drivers appreciate the available discounts but dislike the high prices and lack of communication.

AI-generated from the text of verified reviews collected by Compare.com
Reviews (7)
David
Verified Review
Too late to change to another company
Reviewed in North Carolina on December 18, 2025
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
Ron
Verified Review
Nationwide is becoming a Chintzy Picky Company
Reviewed in Missouri on May 26, 2025
I like Nationwide, but they have become very picky and want me to do too many repairs before they take my money and purchase insurance.
Richard
Verified Review
Ready for a Change...
Reviewed in Pennsylvania on January 21, 2025
It seems expensive, and there's no communication with me!
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Nationwide offers a wide range of coverage options, allowing Cincinnati drivers to customize their policies to their specific needs. Low-mileage drivers may save with Nationwide’s pay-per-mile plan, SmartMiles. Its telematics program, SmartRide, is highly rated, offering up to 40% in savings for safe driving habits.

Local independent agents are also available to help you determine your coverage needs and shop for the policy that makes the most sense for your situation.

Pros
  • Many local agents

  • Highly rated telematics program[3]

  • Many available coverage options

Cons
  • Fewer available discounts than some competitors

  • Below-average digital shopping experience[4]

  • Poor Trustpilot rating

Erie Insurance logo
User Reviews
4.3
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.2 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$87/mo
4.3
Best choiceBased on 19 verified guest reviews and ratings
How drivers feel about Erie Insurance

Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Erie Insurance

Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.

AI-generated from the text of verified reviews collected by Compare.com
Reviews (9)
Enrique
Verified Review
Disappointed
Reviewed in Virginia on May 26, 2025
I had to chase them for weeks to follow up on a claim. My case was switched from one agent to another several times. Even though the claim was for a no-fault accident and the party at fault had full coverage, they increased my premium by 200%.
Eric
Verified Review
Average
Reviewed in Pennsylvania on February 27, 2025
This is a great insurance company! However, be aware that if you have an accident, your rates will double. They offer a rate lock, which is a fantastic option, but they don't disclose that if you purchase a new vehicle or change your policy, the rate lock becomes void and they update your rate. In my case, it more than doubled.
Maria
Verified Review
Excellent but Expensive
Reviewed in Maryland on February 12, 2025
I have been with Erie for auto and home insurance for over 45 years. They provide excellent coverage and respond quickly to claims. However, I am now facing a 24% increase in my rate.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Erie Insurance stands out in Cincinnati by offering coverages many bigger insurers don’t, like Rate Lock, which keeps premiums stable, and Erie Auto Plus, which bundles deductible waivers, death benefits, vanishing deductible, and increased limits for some coverages.

You can also add coverage for personal items in your vehicle and pet injuries from accidents. Erie has excellent ratings for customer and claims satisfaction, too.

Pros
  • Affordable Cincinnati auto insurance rates

  • Unique coverage options

  • #1 in J.D. Power claims satisfaction

Cons
  • Fewer available discounts

  • Limited digital tools

  • Plenty of local agents

American Family logo
User Reviews
4.9
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.7 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$66/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$107/mo
4.9
Best choiceBased on 20 verified guest reviews and ratings
How drivers feel about American Family

Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.

AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about American Family

Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.

AI-generated from the text of verified reviews collected by Compare.com
Best For
Reviews (11)
Elmer
Verified Review
Bait and switch when time to renew after a year.
Reviewed in Nevada on December 21, 2025
It started out with a good price and policy coverage, but when it was time to renew a year later, despite having no tickets or accidents, the price went up by $150.00. It was not right and became unaffordable after that.
Wendy
Verified Review
AmFam EXPENSIVE
Reviewed in Minnesota on May 2, 2025
I wouldn't recommend AmFam to any of my friends. My full coverage jumped from $220 to $277 after dropping a car. Way too expensive for full coverage on a 2019 Ford sedan!
Cindy
Verified Review
Happy, but Looking for a Better Price
Reviewed in Colorado on February 23, 2025
I have been happy with them, but I am looking for a better price on the policy.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
642
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

American Family earns high marks on Trustpilot for customer satisfaction and offers Cincinnati drivers multiple ways to save on car insurance. Bundling auto insurance with homeowners, renters, or life insurance could earn you a discount of up to 40%.

It also offers steep discounts for its usage-based insurance programs, DriveMyWay and MilesMyWay, its pay-per-mile program. Though safe drivers can save with DriveMyWay, risky drivers may see rates increase.

Pros
  • Bundling savings of up to 40%

  • Excellent Trustpilot rating

  • Offers accidental death and dismemberment coverage

Cons
  • Customer satisfaction varies by region

  • Inconsistent mobile app ratings

  • Few local agents

The Cheapest Car Insurance Quotes in Cincinnati

Comparing car insurance quotes from multiple companies in Cincinnati is the easiest way to get the best deal on insurance coverage. Starting with companies with affordable premiums can help you narrow down your options faster and increase your chances of locking in a lower monthly rate.

The table below highlights the cheapest car insurance companies in Cincinnati for liability insurance, according to Compare.com data.

Farmers Insurance logo
Travelers logo
Allstate logo
USAA logo
American Family logo
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$148/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$144/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$133/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$78/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$87/mo*
Overall Rating
4.1
Overall Rating
3.9
Overall Rating
3.6
Overall Rating
4.3
Overall Rating
4.9
Value
3.8/5
Value
4.3/5
Value
3.7/5
Value
4.9/5
Value
4.4/5
Customer Service
4.3/5
Customer Service
4.5/5
Customer Service
4.1/5
Customer Service
4.4/5
Customer Service
4.9/5
Claims Handling
4.1/5
Claims Handling
4.9/5
Claims Handling
3.5/5
Claims Handling
4.1/5
Claims Handling
4.6/5
Special Highlight
AI-generated from 57 user reviews
N/A
Special Highlight
AI-generated from 27 user reviews
N/A
Special Highlight
AI-generated from 172 user reviews
N/A
Special Highlight
AI-generated from 66 user reviews
N/A
Special Highlight
AI-generated from 11 user reviews
N/A
We sourced the data in this table from Compare.com users who indicated they're existing customers of the insurers you see here.

How Much Car Insurance Do You Need in Cincinnati?

Skyline of Cincinnati with tall buildings, a blue suspension bridge, and a river in the foreground under a partly cloudy sky.Like most states, Ohio requires drivers to have car insurance. Drivers must have liability coverage to pay for other drivers’ injuries and property damage, with minimum limits of:[5]

Make sure to have your auto insurance ID card with you while driving. You’ll have to show proof of insurance after accidents, during traffic stops, and at vehicle inspections.

Should you buy full-coverage insurance in Cincinnati?

Full-coverage insurance policies usually include liability limits above the state minimum, plus collision, and comprehensive coverage. It can cover damage and injuries you cause to others, plus damage to your car from accidents, theft, weather events, and vandalism.

For most Cincinnati drivers, full coverage is worth the extra cost, given the city’s higher risk of crashes, vehicle theft, and unpredictable weather. The rare exceptions are drivers with older, low-value cars who can afford to fix or replace them out of pocket.

  • Tailoring your Cincinnati car insurance to your specific needs can provide peace of mind and protect your budget. Here are some coverage options to consider:

    • Collision coverage pays for damage to your vehicle after a crash or single-vehicle rollover.

    • Comprehensive coverage covers non-collision claims, such as animal and weather damage, theft, and vandalism.

    • Medical payments (MedPay) help pay for medical expenses for you and your passengers, regardless of fault.

    • Roadside assistance covers flat tires, lockouts, towing, and jump-starts when your car breaks down.

    • Uninsured motorist coverage protects you if a driver hits you and has little or no insurance coverage.

Estimated Cost: $179 per month
40.1% of drivers like you pay less for car insurance. Compare quotes to save up to $1320 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.

Cheapest Car Insurance in Cincinnati by Driver and Coverage Type

Cincinnati auto insurance rates can vary widely depending on factors like your age, credit history, driving record, and the type of coverage you choose. Knowing the average rates for drivers with a profile similar to yours can help you determine which companies are the best fit for your needs and budget.

The table below breaks down the cheapest insurers by driver type and coverage level, according to Compare.com data.

Driver or Coverage Type
sort ascsort desc
Cheapest Insurer
sort ascsort desc
State-minimum coverageMile Auto
Full coverageMile Auto
Drivers with a speeding ticketMile Auto
Drivers with an at-fault accidentMile Auto
Drivers with a DUIMile Auto
TeensMile Auto
SeniorsMile Auto
Drivers with excellent creditMile Auto
Drivers with poor creditMile Auto
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on {{lastUpdated}}.

Cheapest liability-only coverage in Cincinnati: Mile Auto

Minimum coverage policies meet Ohio’s state-minimum requirements but won’t pay for repairs to your own vehicle. In Cincinnati, the average monthly rate for minimum coverage is $82. It’s best for drivers of older cars, drivers looking for the cheapest premiums, or drivers who don’t have assets others can sue for.

We highlight the cheapest liability-only insurance companies in Cincinnati in the table below.

Cheapest Liability Rates by Company

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full coverage: Mile Auto

A full-coverage auto policy usually includes higher liability limits, plus comprehensive and collision coverage. It covers damage to others’ property, injuries, and your vehicle from things like accidents, theft, and weather-related events.

Full coverage is typically best for drivers with newer or high-value vehicles who want to avoid high out-of-pocket costs. The average full-coverage rate in Cincinnati is $138 per month.

Let’s take a look at the chart below to see which insurers offer the cheapest average premiums for full coverage in Cincinnati, according to Compare.com data.

Cheapest Full-Coverage Rates by Company

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Real-Time Car Insurance Quotes in Cincinnati

Rates in Cincinnati start at $48 per month.

Excellent
4.6 out of 5 based on 469 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest after a speeding ticket: Mile Auto

Insurers often raise car insurance rates after a speeding ticket because it puts you at a higher risk of future accidents. Drivers in Cincinnati with a recent ticket pay around $141 per month.

You can usually avoid rate hikes by comparing quotes and switching to an insurer that considers other factors more. Check out the chart below for the cheapest insurers in Cincinnati for drivers with a speeding ticket, according to Compare.com data.

Cheapest Rates With a Ticket

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest after an accident:  Mile Auto

An at-fault accident can cause your premiums to rise because insurers view drivers with recent insurance claims as a higher risk of filing more claims. In Cincinnati, the average rate for drivers with a recent accident is $149 per month.

But you can usually switch to another insurer offering much lower rates after an accident. The chart below shows Cincinnati’s cheapest insurance companies for drivers with a recent accident, according to Compare.com data.

Cheapest Rates With an Accident

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest after a DUI: Mile Auto

A driving under the influence (DUI) conviction is the most serious offense you can get, so don’t be surprised if your rates increase substantially after a conviction. Cincinnati drivers with a recent DUI conviction pay around $149 per month for coverage.

But you can usually limit how much more you’ll pay by switching to an insurance company that specializes in high-risk drivers. Below, we list the cheapest insurers for drivers with a DUI in Cincinnati.

Cheapest Rates With a DUI

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest for teens: Mile Auto

Teens usually pay some of the highest car insurance rates because they’re more likely to get into accidents. Drivers younger than 20 are almost four times as likely to get into a crash as any other age group.[6]

The average rate for teen drivers in Cincinnati is $233 per month. But even with a young driver on your insurance policy, you can usually find lower rates by shopping around and comparing quotes.

The chart below shows the cheapest Cincinnati insurers for teens, according to Compare.com data.

Cheapest Rates For Teens

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest for seniors: Mile Auto

Insurers often give senior drivers the lowest rates because they have decades of experience, which generally means fewer accidents and fewer claim filings.

In Cincinnati, senior drivers pay around $93 per month for auto insurance, according to our research. But with the right insurer, you can usually find an even better deal.

Here are the cheapest insurance companies for seniors in Cincinnati, according to Compare.com data.

Cheapest Rates For Seniors

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest for bad credit: Mile Auto

Car insurance companies often use credit history to help set rates, since studies show it can predict claim risk. That can mean higher premiums if your credit isn’t great.[7] Cincinnati drivers with poor credit typically pay around $138 per month.

The good news is that not all companies weigh credit the same, and some offer surprisingly affordable rates regardless of credit history. Below is a chart showing the cheapest insurers in Cincinnati for drivers with bad credit, according to Compare.com data.

Cheapest Rates With Bad Credit

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find the Best Company for You

Local rates start as low as $48 per month.

Excellent
4.6 out of 5 based on 469 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cincinnati Auto Insurance FAQs

If you still have questions about Cincinnati auto insurance, we’ve answered the most common questions drivers have about coverage below.

  • How much is car insurance in Cincinnati?

    Car insurance in Cincinnati costs, on average, $110 per month. Monthly rates average $82 for liability-only coverage and $138 for full coverage in Cincinnati, according to Compare.com data.

  • What’s the cheapest auto insurance company in Cincinnati?

    Mile Auto is the cheapest auto insurance company in Cincinnati, with an average monthly rate of $48, according to Compare.com data.

  • What’s the best car insurance company in Cincinnati?

    While there’s no single best car insurance company for every driver, our top picks in Cincinnati for auto insurance are Nationwide, Erie, and American Family. The best car insurance company for you depends on your unique driver profile and other factors.

  • Is car insurance in Cincinnati expensive?

    The cost of car insurance in Cincinnati depends on several factors, including your address, age, driving and claims history, coverage choices, and vehicle type. On average, Cincinnati drivers pay $110 per month for coverage, while the statewide average is $94 per month. The national average is $137 per month, according to Compare.com data.

  • Is minimum coverage enough in Cincinnati?

    Most experts agree that minimum coverage isn’t enough for most Cincinnati drivers. A serious crash with multiple injuries and vehicles can quickly exceed Ohio’s 25/50/25 limits. You could be personally responsible for the difference, leaving your savings and assets at risk.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources

  1. Ohio.gov. "Crash Dashboard."
  2. CrimeGrade.org. "Cincinnati, OH Vehicle Theft Rates and Vehicle Theft Maps."
  3. Jdpower.com. "2025 U.S. Auto Insurance Study."
  4. Jdpower.com. "2025 U.S. Insurance Digital Experience Study."
  5. Ohio.gov. "Ohio BMV."
  6. Iihs.org. "Teenagers."
  7. Ohio.gov. "Credit-Based Insurance."
Mandy Sleight
Mandy SleightInsurance Writer

Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.

Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.

Lequita Westbrooks
Edited byLequita WestbrooksSenior Editor
Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.

MacK Korris
Reviewed byMacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
MacK Korris
MacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
  • Licensed property and casualty insurance agent

  • NPN: 21630969

MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).

Compare Car Insurance Quotes Instantly

Excellent
4.6 out of 5 based on 469 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate