The first quarter of 2021 was busy law enforcement in Cincinnati. Distracted driving violations are nearly three times the 2020 total. In addition, the number of accidental deaths is already higher than in 2020 as a whole. Motorists need to stay vigilant on the roads and make sure they are financially protected with the best car insurance in Cincinnati.
The average annual cost of auto insurance in Cincinnati is $ 397 for Ohio minimum liability insurance and $ 1,149 for full coverage, which provides collision and comprehensive coverage. The city’s prices are well below the national average for full auto insurance of $ 1,674 per year. If you’re just moving to the area or think that switching providers can give you better coverage for less money, our shortlist of the best Cincinnati auto insurance companies will help. We selected carriers based on customer ratings, Quadrant Information Services pricing, and financial stability to bring you four Cincinnati insurance companies worth a closer look.
Best auto insurance in Cincinnati
There are many auto insurers in Cincinnati to choose from. However, not all vendors are created equal when it comes to customer service and pricing. Bankrate Votes for Best Cincinnati Car Insurance:
|insurance company||JD Power Score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|USAA *||897/1000||$ 294||$ 876|
|Hastings Mutual||NO||$ 301||$ 749|
|Erie||846/1000||$ 317||$ 1,073|
|Geico||851/1000||$ 352||$ 930|
* USAA is not eligible for an official ranking at JD Power due to eligibility restrictions
USAA receives high scores from JD Power, but is not eligible for the official ranking due to its eligibility restrictions. USAA insurance is available only to active service members, veterans, and their immediate family members. USAA offers the cheapest annual rates on our list for minimum coverage and the second cheapest annual rate on our list for full coverage. In addition, USAA offers unique discounts for military personnel.
Hastings Mutual is headquartered in Michigan and specializes in affordable coverage for residents. Optional covers include roadside assistance, gap insurance, and new car replacement. Hastings Mutual isn’t big enough to rank in JD Power’s customer satisfaction survey, but it’s well known and valued by local residents.
If you are unable to get auto insurance with USAA due to military membership restrictions, Erie insurance might be a good alternative. The carrier also has good customer satisfaction and is affordable if you need minimum liability insurance. However, full Erie Insurance coverage is the highest price of any four of our listed carriers.
If you choose Geico, you will find plenty of options for saving. The national airline strives to offer quick compensation and cheap car insurance. This is possible by serving customers online or via the mobile app. Geico offers 16 discounts. Those that are causing the greatest reduction in your premiums are vehicle safety equipment (up to 23% off) and multi-vehicle equipment (up to 25% off).
Cheapest car insurance in Cincinnati
Cincinnati isn’t the cheapest city in Ohio when it comes to auto insurance. The average cost of coverage in the state is $ 1,034 per year compared to $ 1,149 in the city. That is why it is important to find the best prices. You may be able to beat the average by choosing the right provider and taking advantage of the discounts available.
Obtaining quotes from the following providers is a great way to find the most affordable coverage for your needs:
|insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|USAA||$ 294||$ 876|
|Erie||$ 317||$ 1,073|
|Geico||$ 352||$ 930|
|District farm||$ 377||$ 1,031|
|Car owner||$ 393||$ 1,132|
As mentioned earlier, USAA in Cincinnati is inexpensive for auto insurance but is only available to qualified military personnel and family members. Erie insurance is the next best option for affordable coverage. If you’re driving a newer model vehicle and your lender requires full auto insurance, Geico has the lowest rates in town, followed by State Farm. Auto-Owners is value-oriented for local residents, with good discounts for young and teenage drivers.
Cincinnati insurance requirements
Drivers in Cincinnati, Ohio are required to purchase minimum liability insurance. It is:
- $ 25,000 injury / death per person in an accident
- $ 50,000 in injuries / deaths per accident
- $ 25,000 in property damage per accident
While the minimum requirement is the cheapest coverage you can get, it may not be enough. You are personally responsible for any damage that is above the limit value. In addition, the liability insurance only reimburses costs to third parties. If your vehicle needs to be repaired or is total, it will not be covered by the minimum coverage.
Auto Insurance Discounts in Cincinnati
To keep saving on Cincinnati auto insurance rates, look for vendors offering the following potential discounts:
- Bundling: If you have more than one vehicle or have your home and car insured with the same carrier, you can lower your premiums.
- Good student: Younger drivers pay more for vehicle coverage. If your student is doing well at school, you can get a discount.
- Vehicle safety equipment: If your car is equipped with newer technologies such as driver assistance or multiple airbags, your premiums may be lower.
- Safe driver: A damage-free history with no accidents caused by accidents can help reduce your premiums.
frequently asked Questions
What is the best car insurance?
The best auto insurance is hard to find as it can vary based on your needs. You should consider factors such as customer service ratings, pricing, available coverage, and available discounts. Additionally, it is worth doing your research on things like financial stability and average complaints.
How much does car insurance cost in Cincinnati?
Cincinnati auto insurance is cheaper than the national average. Basic insurance is $ 397 per year and full auto insurance is $ 1,149.
How Much Auto Insurance Do I Need in Cincinnati?
You must have a minimum of $ 25,000 per person liability insurance for personal injury, $ 50,000 per accident liability insurance, and $ 25,000 for property damage coverage. However, if you cause a serious accident, the minimum limits may not be enough. You should therefore take higher limit values into account.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and airlines in all 50 states and Washington, DC. The stated tariffs are based on a 40-year-old driver and a 40-year-old female driver with a clean driving record, good credit rating and the following complete information on coverage limits:
- $ 100,000 personal injury liability liability per person
- $ 300,000 personal injury liability per accident
- $ 50,000 property damage liability per accident
- $ 100,000 uninsured personal injury per person
- $ 300,000 uninsured bodily harm per accident
- $ 500 collision deduction
- $ 500 comprehensive deductible
To set minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes can be different.