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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.
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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.
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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
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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 This Article
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.
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.
| 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 |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
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.
| 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 |
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
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.
Affordable Cincinnati auto insurance rates
Unique coverage options
#1 in J.D. Power claims satisfaction
Fewer available discounts
Limited digital tools
Plenty of local agents
| 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 |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
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.
Bundling savings of up to 40%
Excellent Trustpilot rating
Offers accidental death and dismemberment coverage
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.
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 N/AAI-generated from 57 user reviews | Special Highlight N/AAI-generated from 27 user reviews | Special Highlight N/AAI-generated from 172 user reviews | Special Highlight N/AAI-generated from 66 user reviews | Special Highlight N/AAI-generated from 11 user reviews |
How Much Car Insurance Do You Need in Cincinnati?
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]
$25,000 per person for bodily injury liability
$50,000 per accident
$25,000 per accident for property damage liability
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.
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.
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 | Cheapest Insurer |
|---|---|
| State-minimum coverage | Mile Auto |
| Full coverage | Mile Auto |
| Drivers with a speeding ticket | Mile Auto |
| Drivers with an at-fault accident | Mile Auto |
| Drivers with a DUI | Mile Auto |
| Teens | Mile Auto |
| Seniors | Mile Auto |
| Drivers with excellent credit | Mile Auto |
| Drivers with poor credit | Mile Auto |
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
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
Compare Real-Time Car Insurance Quotes in Cincinnati
Rates in Cincinnati start at $48 per month.
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
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
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
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
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
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
Find the Best Company for You
Local rates start as low as $48 per month.
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.
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Sources
- Ohio.gov. "Crash Dashboard."
- CrimeGrade.org. "Cincinnati, OH Vehicle Theft Rates and Vehicle Theft Maps."
- Jdpower.com. "2025 U.S. Auto Insurance Study."
- Jdpower.com. "2025 U.S. Insurance Digital Experience Study."
- Ohio.gov. "Ohio BMV."
- Iihs.org. "Teenagers."
- Ohio.gov. "Credit-Based Insurance."
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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 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.
)
)
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).
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