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 $50.
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Written byMandy Sleight
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Mandy SleightInsurance Writer
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
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In Cincinnati, drivers pay around $112 per month for car insurance, according to Compare.com data. Cincinnati’s high accident frequency and motor vehicle theft rates contribute to its higher average 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 $50 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 $50 per month.
Cincinnati car insurance rates average $81 per month for liability insurance and $144 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 | 3.2 |
|---|---|
| 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. | $77/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. | $138/mo |
3.2
A solid optionBased on 22 verified guest reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.5 | 2.9 |
Showing recent national reviewsSee all 7 Nationwide reviews
Verified Review
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.
Verified Review
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.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7AM 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.
| 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. | $60/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 |
4.3
Best choiceBased on 19 verified guest reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.2 | 2.9 |
Showing recent national reviewsSee all 9 Erie Insurance reviews
Verified Review
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%.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not ratedAM 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).
Not ratedWhy 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 from J.D. Power, too.
Pros
More affordable rates than many competitors
Unique coverage options
Rated No. 1 in 2025 J.D. Power claims satisfaction survey
Cons
Fewer available discounts
Limited digital tools
Plenty of local agents
| User Reviews | 4.4 |
|---|---|
| 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. | $74/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. | $132/mo |
4.4
Best choiceBased on 21 verified guest reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.4 | 3.1 |
| Value | 4.4 | 2.9 |
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
Showing recent national reviewsSee all 11 American Family reviews
Verified Review
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.
Verified Review
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!
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
642NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not ratedAM 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).
Not ratedWhy 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 if the app detects poor driving habits.
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.
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?
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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.
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: $186 per month
Category | Price |
|---|---|
| $77 | 3.9% |
| $96 | 5.3% |
| $115 | 7.0% |
| $133 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 8.0% |
| $208 | 7.1% |
| $227 | 6.8% |
| $245 | 6.1% |
| $264 | 5.2% |
| $283 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $339 | 3.3% |
| $357 | 2.7% |
| $376 | 2.5% |
| $395 | 2.1% |
| $413 | 1.8% |
| $432 | 1.6% |
40.3% of drivers like you pay less for car insurance. Compare quotes to save up to $1308 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  | 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 an OVI | Mile Auto |
| Teens | Mile Auto |
| Seniors | Mile Auto |
| Drivers with excellent credit | Mile Auto |
| Drivers with poor credit | Mile 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 .
Cheapest liability-only coverage in Cincinnati: Mile Auto
Minimum coverage policies meet Ohio’s state-minimum liability coverage requirements but won’t pay for repairs to your own vehicle. In Cincinnati, the average monthly rate for minimum coverage is $81. 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.
The below rates in Cincinnati, OH, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $50 |
| State Farm | $52 |
| Progressive | $59 |
| Auto-Owners | $60 |
| Erie | $60 |
| GEICO | $66 |
| Commonwealth Casualty | $67 |
| USAA | $67 |
| The General | $68 |
| Certainly | $70 |
| Safeco | $70 |
| American Family | $74 |
| Nationwide | $77 |
| AssuranceAmerica | $83 |
| Trexis | $84 |
| Trexis One | $86 |
| First Acceptance | $92 |
| Elephant | $93 |
| Direct Auto | $97 |
| CSAA | $98 |
| GAINSCO | $98 |
| Clearcover | $99 |
| Bristol West | $103 |
| Dairyland | $108 |
| Root | $108 |
| National General | $113 |
| Allstate | $114 |
| Liberty Mutual | $121 |
| Travelers | $124 |
| Farmers | $127 |
| Foremost | $159 |
| State Auto | $174 |
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 $144 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.
The below rates in Cincinnati, OH, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $78 |
| State Farm | $92 |
| Erie | $107 |
| Auto-Owners | $108 |
| Safeco | $110 |
| Progressive | $116 |
| GEICO | $117 |
| USAA | $119 |
| American Family | $132 |
| CSAA | $133 |
| Direct Auto | $134 |
| Nationwide | $138 |
| Elephant | $143 |
| Certainly | $157 |
| The General | $158 |
| AssuranceAmerica | $159 |
| National General | $169 |
| Root | $178 |
| Commonwealth Casualty | $179 |
| Clearcover | $199 |
| Liberty Mutual | $199 |
| Trexis | $200 |
| Allstate | $203 |
| Travelers | $220 |
| GAINSCO | $223 |
| Bristol West | $226 |
| Farmers | $226 |
| Trexis One | $236 |
| Dairyland | $250 |
| First Acceptance | $251 |
| State Auto | $312 |
| Foremost | $370 |
Compare Real-Time Car Insurance Quotes in Cincinnati
Rates in Cincinnati start at $50 per month.
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Cheapest after a speeding ticket: Mile Auto
Insurers often raise car insurance rates for a minimum of three years after a speeding ticket because it puts you at a higher risk of future accidents. Drivers in Cincinnati with a recent ticket pay around $146 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.
The below rates in Cincinnati, OH, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Rates With a Ticket
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $62 |
| State Farm | $67 |
| Progressive | $77 |
| Auto-Owners | $80 |
| Erie | $81 |
| Commonwealth Casualty | $81 |
| GEICO | $88 |
| USAA | $88 |
| Certainly | $91 |
| The General | $93 |
| Safeco | $94 |
| American Family | $98 |
| Nationwide | $102 |
| AssuranceAmerica | $108 |
| Trexis | $109 |
| Trexis One | $112 |
| Elephant | $114 |
| GAINSCO | $120 |
| First Acceptance | $120 |
| Direct Auto | $124 |
| Clearcover | $129 |
| CSAA | $131 |
| Bristol West | $133 |
| Dairyland | $137 |
| National General | $144 |
| Root | $147 |
| Allstate | $151 |
| Liberty Mutual | $157 |
| Travelers | $164 |
| Farmers | $166 |
| State Auto | $236 |
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 $156 per month.
The chart below shows Cincinnati’s cheapest insurance companies for drivers with a recent accident, according to Compare.com data.
The below rates in Cincinnati, OH, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Rates With an Accident
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $69 |
| State Farm | $71 |
| Auto-Owners | $81 |
| Progressive | $82 |
| Erie | $82 |
| GEICO | $89 |
| Commonwealth Casualty | $91 |
| USAA | $92 |
| The General | $96 |
| Certainly | $97 |
| Safeco | $100 |
| American Family | $102 |
| Nationwide | $106 |
| AssuranceAmerica | $113 |
| Trexis | $117 |
| Trexis One | $119 |
| Elephant | $125 |
| First Acceptance | $128 |
| GAINSCO | $129 |
| Direct Auto | $136 |
| Bristol West | $139 |
| Clearcover | $145 |
| Dairyland | $146 |
| Root | $149 |
| CSAA | $151 |
| National General | $154 |
| Allstate | $157 |
| Liberty Mutual | $165 |
| Travelers | $172 |
| Farmers | $174 |
| State Auto | $244 |
Cheapest after a OVI: Mile Auto
Operating a vehicle impaired is the most serious offense, so don’t be surprised if your rates increase substantially after a conviction. Cincinnati drivers with a recent OVI conviction pay around $158 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 OVI in Cincinnati.
The below rates in Cincinnati, OH, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Rates With a DUI
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $71 |
| State Farm | $74 |
| Progressive | $83 |
| Auto-Owners | $86 |
| Erie | $86 |
| Commonwealth Casualty | $92 |
| GEICO | $93 |
| The General | $94 |
| USAA | $96 |
| Certainly | $99 |
| American Family | $105 |
| Safeco | $106 |
| Nationwide | $110 |
| AssuranceAmerica | $118 |
| Trexis | $119 |
| Trexis One | $122 |
| First Acceptance | $130 |
| Elephant | $133 |
| Direct Auto | $138 |
| CSAA | $140 |
| GAINSCO | $140 |
| Clearcover | $141 |
| Bristol West | $147 |
| Dairyland | $154 |
| Root | $155 |
| National General | $161 |
| Allstate | $162 |
| Liberty Mutual | $172 |
| Travelers | $177 |
| Farmers | $181 |
| State Auto | $238 |
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 $238 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.
The below rates in Cincinnati, OH, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Rates For Teens
Company | Average Monthly Premium |
|---|---|
| State Farm | $109 |
| Mile Auto | $111 |
| Erie | $120 |
| Progressive | $126 |
| GEICO | $130 |
| Auto-Owners | $131 |
| The General | $133 |
| USAA | $134 |
| Commonwealth Casualty | $136 |
| Certainly | $149 |
| American Family | $152 |
| Safeco | $153 |
| Nationwide | $162 |
| Clearcover | $178 |
| Trexis | $179 |
| Elephant | $180 |
| Trexis One | $183 |
| AssuranceAmerica | $185 |
| GAINSCO | $191 |
| First Acceptance | $196 |
| CSAA | $198 |
| Bristol West | $199 |
| Direct Auto | $204 |
| Root | $205 |
| Dairyland | $205 |
| Liberty Mutual | $231 |
| Allstate | $244 |
| National General | $244 |
| Farmers | $274 |
| Travelers | $278 |
| State Auto | $451 |
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 $97 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.
The below rates in Cincinnati, OH, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Rates For Seniors
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $39 |
| State Farm | $41 |
| Erie | $46 |
| Auto-Owners | $47 |
| Progressive | $51 |
| GEICO | $53 |
| Commonwealth Casualty | $54 |
| USAA | $54 |
| The General | $58 |
| Nationwide | $59 |
| American Family | $59 |
| Certainly | $61 |
| Safeco | $61 |
| AssuranceAmerica | $65 |
| Trexis | $73 |
| Trexis One | $74 |
| Elephant | $76 |
| CSAA | $77 |
| Direct Auto | $80 |
| First Acceptance | $80 |
| GAINSCO | $84 |
| Bristol West | $86 |
| Clearcover | $88 |
| National General | $89 |
| Root | $90 |
| Dairyland | $92 |
| Allstate | $93 |
| Travelers | $99 |
| Liberty Mutual | $101 |
| Farmers | $101 |
| State Auto | $132 |
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 $140 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.
The below rates in Cincinnati, OH, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Rates With Bad Credit
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $62 |
| Progressive | $74 |
| State Farm | $75 |
| GEICO | $81 |
| USAA | $82 |
| Commonwealth Casualty | $82 |
| The General | $84 |
| Safeco | $86 |
| Certainly | $88 |
| Erie | $88 |
| American Family | $89 |
| Auto-Owners | $90 |
| Nationwide | $95 |
| AssuranceAmerica | $102 |
| Trexis | $105 |
| Trexis One | $108 |
| Elephant | $115 |
| First Acceptance | $115 |
| Direct Auto | $119 |
| CSAA | $121 |
| GAINSCO | $121 |
| Clearcover | $122 |
| Bristol West | $127 |
| Dairyland | $133 |
| Root | $133 |
| National General | $139 |
| Allstate | $140 |
| Liberty Mutual | $145 |
| Travelers | $153 |
| Farmers | $156 |
| State Auto | $216 |
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Local rates start as low as $50 per month.
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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, $112 per month. Monthly rates average $81 for liability-only coverage and $144 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 $50, 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 $112 per month for coverage, while the statewide average is $95 per month. The national average is $140 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.
Sources
- Ohio.gov. "Crash Dashboard."
- CrimeGrade.org. "Cincinnati, OH Vehicle Theft Rates and Vehicle Theft Maps."
- Jdpower.com. "2025 U.S. Insurance Digital Experience Study."
- Jdpower.com. "2025 U.S. Auto Insurance Study."
- Ohio.gov. "Ohio BMV."
- Iihs.org. "Teenagers."
- Ohio.gov. "Credit-Based Insurance."
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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Mandy SleightInsurance Writer
Lequita WestbrooksSenior Editor
Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
