Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The annual number of car thefts in Cincinnati is 1,310.
  • The cheapest car insurance company in Cincinnati after a DUI is American Family
  • Average car insurance rates in Cincinnati, OH are $275/month

Average car insurance rates in Cincinnati, Ohio are $275 a month. But with a little research you can get a great deal from the top car insurance companies in Cincinnati, OH. Before you buy Cincinnati, Ohio car insurance, make sure your coverage meets or exceeds the Ohio minimum of 25/50/25.

It may even be helpful to compare Cincinnati car insurance rates with Dayton car insurance rates, Lorain car insurance rates, or Columbus car insurance rates to make sure you’re getting the best Cincinnati, OH car insurance quotes available.

Need affordable Cincinnati, OH car insurance? Enter your ZIP code to compare Cincinnati car insurance quotes from multiple car insurance companies near you.

Cincinnati, OH Minimum Car Insurance Coverage

Cincinnati, Ohio law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Cincinnati, Ohio

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cincinnati, OH Car Insurance Rates by Coverage Level

Some Cincinnati drivers can get by with the Ohio minimum coverage of 25/50/25. Other drivers may need more. See how much your Cincinnati, Ohio car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Cincinnati, Ohio

Insurance Company Low Medium High
Allstate $3,534 $3,657 $3,803
American Family $1,748 $1,799 $1,806
Farmers $3,806 $3,966 $4,319
GEICO $2,222 $2,288 $2,382
Liberty Mutual $4,944 $5,152 $5,284
Nationwide $4,406 $3,856 $3,675
Progressive $3,940 $4,056 $4,265
State Farm $2,887 $3,061 $3,201
Travelers $3,320 $3,442 $3,438
USAA $1,543 $1,616 $1,694

Cincinnati, OH Car Insurance Rates by Age, Gender, and Marital Status

Cincinnati, Ohio car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Cincinnati, OH car insurance, get quotes from multiple car insurance companies in the Cincinnati area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cincinnati, Ohio

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,409 $2,387 $2,183 $2,333 $6,914 $7,916 $2,510 $2,667
American Family $1,061 $1,101 $986 $987 $3,560 $3,860 $1,324 $1,396
Farmers $2,096 $2,089 $1,844 $1,950 $9,543 $9,918 $2,353 $2,450
GEICO $1,630 $1,591 $1,540 $1,566 $4,515 $4,201 $1,812 $1,525
Liberty Mutual $2,333 $2,541 $1,790 $2,175 $12,692 $14,316 $2,470 $2,695
Nationwide $2,620 $2,629 $2,364 $2,377 $6,897 $8,875 $2,806 $3,264
Progressive $2,055 $1,921 $1,711 $1,769 $9,515 $10,705 $2,465 $2,552
State Farm $1,786 $1,786 $1,613 $1,613 $5,823 $7,299 $2,083 $2,396
Travelers $1,552 $1,575 $1,548 $1,538 $6,802 $10,715 $1,624 $1,847
USAA $959 $965 $922 $913 $3,090 $3,427 $1,285 $1,382

Cincinnati, OH Car Insurance Rates for Teens

How much is Cincinnati, Ohio car insurance for teens? Compare rates from top Cincinnati car insurance companies below to help find the cheapest teen car insurance in Cincinnati, OH.

Annual Car Insurance Rates for Teen Drivers in Cincinnati, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,914 $7,916
American Family $3,560 $3,860
Farmers $9,543 $9,918
GEICO $4,515 $4,201
Liberty Mutual $12,692 $14,316
Nationwide $6,897 $8,875
Progressive $9,515 $10,705
State Farm $5,823 $7,299
Travelers $6,802 $10,715
USAA $3,090 $3,427

Cincinnati, OH Car Insurance Rates for Seniors

Before seniors buy Cincinnati, Ohio car insurance, they should make sure to shop around. Some Cincinnati, OH car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Cincinnati, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,183 $2,333
American Family $986 $987
Farmers $1,844 $1,950
GEICO $1,540 $1,566
Liberty Mutual $1,790 $2,175
Nationwide $2,364 $2,377
Progressive $1,711 $1,769
State Farm $1,613 $1,613
Travelers $1,548 $1,538
USAA $922 $913

Cincinnati, OH Car Insurance Rates by Credit History

How does your credit history affect Cincinnati, OH car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Cincinnati, Ohio

Insurance Company Poor Fair Good
Allstate $4,711 $3,433 $2,851
American Family $2,372 $1,615 $1,366
Farmers $4,554 $3,861 $3,676
GEICO $2,761 $2,297 $1,834
Liberty Mutual $7,335 $4,513 $3,532
Nationwide $4,812 $3,867 $3,258
Progressive $4,564 $3,971 $3,724
State Farm $4,348 $2,685 $2,116
Travelers $3,799 $3,310 $3,092
USAA $2,095 $1,488 $1,270

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Cincinnati, OH Car Insurance Rates by Driver History

How does a single speeding ticket affect your Cincinnati, Ohio car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Cincinnati.

Annual Cincinnati, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,055 $3,718 $4,407 $3,479
American Family $1,707 $1,810 $1,810 $1,810
Farmers $3,318 $4,284 $4,178 $4,341
GEICO $1,543 $2,252 $3,298 $2,096
Liberty Mutual $4,301 $5,535 $5,643 $5,027
Nationwide $3,188 $4,056 $5,147 $3,525
Progressive $3,515 $4,814 $3,745 $4,272
State Farm $2,764 $3,335 $3,050 $3,050
Travelers $2,496 $3,265 $4,931 $2,908
USAA $1,236 $1,667 $2,198 $1,370

Cincinnati, OH Car Insurance Rates With a DUI

Even a single DUI can increase your Cincinnati, OH car insurance rates. Compare rates below to see which Cincinnati car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Cincinnati, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,407
American Family $1,810
Farmers $4,178
GEICO $3,298
Liberty Mutual $5,643
Nationwide $5,147
Progressive $3,745
State Farm $3,050
Travelers $4,931
USAA $2,198

Cincinnati, OH Car Insurance Rates by ZIP Code

Just like Cincinnati car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Cincinnati, OH car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Cincinnati, Ohio

ZIP Code Average Annual Rates
45202 $3,231
45203 $3,256
45204 $3,289
45205 $3,370
45206 $3,254
45207 $3,234
45208 $3,173
45209 $3,159
45211 $3,271
45212 $3,126
45213 $3,170
45214 $3,407
45215 $3,059
45216 $3,119
45217 $3,201
45219 $3,343
45220 $3,278
45221 $3,267
45223 $3,313
45224 $3,162
45225 $3,421
45226 $3,121
45227 $3,099
45229 $3,328
45230 $2,996
45231 $3,042
45232 $3,322
45233 $3,131
45234 $3,264
45235 $3,110
45240 $3,032
45241 $2,930
45242 $2,961
45245 $2,781
45247 $3,024
45248 $3,133
45249 $2,959
45251 $3,032
45267 $3,072

Cincinnati, OH Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Cincinnati, OH car insurance rates may be. Let’s take a look at average car insurance rates from top Cincinnati companies based on commute time.

Annual Car Insurance Rates by Commute Length in Cincinnati, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,665 $3,665
American Family $1,762 $1,807
Farmers $4,030 $4,030
GEICO $2,260 $2,335
Liberty Mutual $5,127 $5,127
Nationwide $3,979 $3,979
Progressive $4,087 $4,087
State Farm $2,973 $3,126
Travelers $3,400 $3,400
USAA $1,557 $1,678

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Cincinnati, OH Cheapest Car Insurance Rates

How do the top Cincinnati, Ohio car insurance companies’ average rates stack up against the Cincinnati average monthly car insurance rates of $275? Take a look and see.

Best Annual Car Insurance Rates by Company in Cincinnati, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

Cincinnati, OH Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Cincinnati, Ohio car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Cincinnati, Ohio

Insurance Company Average Annual Rates
Allstate $3,665
American Family $1,784
Farmers $4,030
GEICO $2,297
Liberty Mutual $5,127
Nationwide $3,979
Progressive $4,087
State Farm $3,050
Travelers $3,400
USAA $1,618

Other Factors Affecting Cincinnati, OH Car Insurance Rates

Before you buy Cincinnati, Ohio car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Cincinnati, OH Car Theft Rates

The car theft rate in Cincinnati, OH will affect your car insurance rates. FBI data shows that the annual car theft rate for Cincinnati, Ohio is 1,310 stolen cars.

Cincinnati, OH Commute Time

How does your Cincinnati, OH commute time compare with the average driver? In Cincinnati, the average commute is 23.2 minutes.

Cincinnati, OH Traffic

Spending time in Cincinnati traffic can lead to higher car insurance rates. According to INRIX data, Cincinnati, OH ranks as the 604th-most congested with traffic in the world.

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Cincinnati, OH Car Insurance Quotes

Compare Cincinnati, OH car insurance quotes from multiple companies by entering your ZIP code now.