Cheapest car insurance companies in Cincinnati
A recent data analysis by Insurance.com found the cheapest car insurance companies are Grange Mutual and Auto-Owners in Cincinnati for 2023.
Grange Mutual has the cheapest car insurance rates in Cincinnati at an average cost of $1,094 per year.
Car insurance costs may vary in Cincinnati based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Cincinnati.
| Companies | Average 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
The cheapest auto insurance company in Cincinnati for teen drivers is USAA. For full coverage, its average annual rate for Cincinnati drivers is $3,145. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
Among the carriers analyzed, USAA is the cheapest car insurance option for young drivers in Cincinnati, at $1,726 a year for a full coverage policy.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Cincinnati is Grange Mutual. Its average rate for a full coverage car insurance policy is $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.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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
Car insurance rates in Cincinnati vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
Comparison shopping is the key to getting the cheapest car insurance rates in Cincinnati. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Here are some of the cheapest car insurance companies in Cincinnati based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
If you're a Cincinnati driver with poor credit, Nationwide is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,144 annually.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average 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 |
Cheapest for drivers with a speeding ticket: State Farm
In Cincinnati, State Farm provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,220, on average.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average 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 |
Cheapest auto insurance after an at-fault accident: State Farm
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that State Farm offers the cheapest car insurance rates for Cincinnati drivers with at-fault accidents. It provides coverage at an average annual cost of $1,326.
| Company | Average 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 |
Cheapest auto insurance after a DUI: State Farm
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.
| Company | Average 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.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State 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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