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How much is car insurance in Cincinnati?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Cincinnati are about $8 a month more expensive than the rest of Ohio.
However, the expected monthly payments for an auto insurance policy in Cincinnati are below the national average. The average monthly payment in Cincinnati is about $15 cheaper than the rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Cincinnati drivers, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
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. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $54 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may start to rise again in Cincinnati.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Cincinnati, male drivers pay about $6 more a month. As you can see in the table above, female drivers in the area typically pay $62 on average, while female drivers typically pay $68 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Cincinnati with a single accident will pay around $82 a month. Likewise, drivers with one ticket will be looking at a rate of around $80 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$65|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Cincinnati, with drivers paying around $58 per month to insure their vehicle.
SUV drivers will see rates of about $60, while the rates for car owners average out to about $68 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Cincinnati, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
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)||$69|
More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Cincinnati, with married couples paying about $19 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Another factor taken into consideration is your living accommodations. Drivers who own property in Cincinnati can expect to pay around $14 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Cincinnati, OH
Recent trends in car insurance for Cincinnati drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The rates for car insurance in Cincinnati dropped from 2017-2018, before leveling out in 2019. Policy premiums dropped again recently, reaching a low of $35 in 2022.
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 a monthly rate, car insurance companies will consider a variety of factors. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Frequency of car accidents
- Off-street parking access
- Amount of drivers in the region
- Community regulations
- Regional crime rates
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
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 will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Cincinnati.
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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 age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Cincinnati different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Cincinnati?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Cincinnati or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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