Cheapest car insurance companies in Cincinnati 

According to a study by Insurance.com, the cheapest car insurance companies in Cincinnati for 2023 are Grange Mutual and Auto-Owners

Grange Mutual is the cheapest option for most Cincinnati drivers, with an average annual rate of $1,094

The cost of car insurance in Cincinnati varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Cincinnati.

CompaniesAverage annual rates
USAA$1,054
Grange Mutual$1,094
Auto-Owners$1,251
Erie Insurance$1,260
Travelers$1,568
Progressive$1,724
Geico$1,746
Westfield Insurance$1,759
Cincinnati Insurance$1,892
Farmers$2,064
Allstate$2,281

Cheapest car insurance cost in Cincinnati by Age Group 

USAA offers the cheapest full coverage car insurance for teenage drivers in Cincinnati, with an average annual cost of $3,145 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

Among the carriers analyzed, USAA is the cheapest car insurance option for drivers in Cincinnati, at $1,726 a year for a full coverage policy.

An analysis of car insurance rates for Cincinnati drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. Grange Mutual offers the cheapest full-coverage car insurance rates at $1,070 per year.

USAA is the cheapest option for senior drivers in Cincinnati, with an average premium of $1,081 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
USAA$3,145$1,726$1,070$1,081
Erie Insurance$3,503$2,135$1,279$1,360
Auto-Owners$3,685$2,257$1,271$1,336
Geico$4,354$2,312$1,742$1,855
Grange Mutual$4,394$1,890$1,070$1,157
Westfield Insurance$5,242$2,987$1,860$1,828
Travelers$5,667$2,606$1,609$1,650
Cincinnati Insurance$5,771$3,328$1,869$1,947
Allstate$8,102$3,506$2,357$2,319
Progressive$8,491$3,097$1,748$1,860
Farmers$9,284$3,459$1,994$2,102

Cheapest car insurance companies in Cincinnati by driver profile 

Your driving profile plays an important role in determining your car insurance rates in Cincinnati. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

Finding the cheapest car insurance in Cincinnati requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit. 

Below are some of the cheapest car insurance companies in Cincinnati by driver profile.

Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Cincinnati drivers is $1,144

Drivers with poor or bad credit scores in Cincinnati can consider the following car insurance companies to get the affordable car insurance coverage. 

CompanyAverage annual rates
Nationwide$1,144
Geico$1,259
USAA$1,617
Travelers$1,864
Progressive$2,373
Farmers$2,439
State Farm$2,491
Allstate$2,812

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Cincinnati. It offers full coverage car insurance for drivers aged 30 at about $1,220 per year

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
State Farm$1,220
USAA$1,228
Nationwide$1,241
Geico$1,626
Travelers$1,671
Progressive$1,766
Farmers$2,148
Allstate$2,309

According to Insurance.com's analysis, State Farm tops the list of cheap car insurance providers in Cincinnati for drivers involved in at-fault accidents, with an average annual cost of $1,326. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget. 

CompanyAverage annual rates
State Farm$1,326
Nationwide$1,438
USAA$1,709
Travelers$1,711
Geico$1,904
Progressive$2,349
Farmers$2,533
Allstate$3,136

In Cincinnati, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,220 a year

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers. 

CompanyAverage annual rates
State Farm$1,220
USAA$1,491
Progressive$1,852
Nationwide$2,070
Travelers$2,102
Geico$2,264
Farmers$2,595
Allstate$3,061

Average car insurance cost in Cincinnati 

In Cincinnati, the annual cost of car insurance for the coverage level of 100/300/100 is $1,608 or around $134 per month. However, the average yearly rate for state minimum coverage in Cincinnati is $454.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState minimum average
$1,608$454

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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