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How much is car insurance in Cincinnati?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Cincinnati are about $8 a month more expensive than the rest of Ohio.
Compared to the rest of the country, auto insurance in Cincinnati is more affordable. The average monthly payment in Cincinnati is about $12 less than the rate for the rest of the United States.
Bear in mind that while these rates represent the expected monthly payments for residents of Cincinnati, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Cincinnati residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may begin to climb back up.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Cincinnati, the difference comes out to about $5 per month. As you can see in the chart above, car insurance for women in the area typically costs around $64 each month, while men pay $69 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Cincinnati with a single accident will pay around $85 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $111.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$69|
The most affordable vehicles to insure in Cincinnati are usually trucks and vans.
The monthly premium for car owners is about $69 a month, while SUV owners' policies run them around $62 per month.
The average monthly cost for coverage for truck and van drivers usually runs about $60.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is more than 5 years old. In Cincinnati, however, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
More often than not, those who have settled down into marriage will pay less for their car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
That difference ends up being a significant amount for drivers in Cincinnati -- about $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $16 a month more than those who own their own home in Cincinnati. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Cincinnati, OH
Recent trends in car insurance for Cincinnati drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Cincinnati, auto insurance rates went up from 2016-2017, before steadying out in 2018. Policy premiums finished down in 2021, at $54 a month
How does Cincinnati compare to neighboring areas?
Why are car insurance rates in Cincinnati different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local regulations
- Off-street parking access
- Prevalence of crime
- Number of drivers in the area
- Road safety
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Cincinnati?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Cincinnati.
Cincinnati Insurance FAQs
What factors affect car insurance quotes in Cincinnati?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Cincinnati different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Cincinnati?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Cincinnati?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Cincinnati or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?