Who Has the Cheapest Car Insurance Rates in Cincinnati?

Cincinnati is a major Ohio city located close to the Kentucky border. According to the US Census Bureau, Cincinnati has a population of just under 304,000, making it the third largest city in the state. The Cincinnati metropolitan area has a full population of 2,190,209 and also has the fastest growing economic output in the country.

Cincinnati has a high percentage of households without a vehicle, perhaps due to the extensive public transportation system available throughout the metropolitan area. Although over 19% of households have no vehicle, the city still averages 1.3 cars per household overall.

According to the US Census Bureau, the average driver in Cincinnati commutes just over 23 minutes to work. That means close to an hour a day traveling to and from employment, and to drive legally the vehicle must have insurance, registration, and up to date license plates.

The key word here is insurance: many average people are confused about vehicle insurance requirements, policies, and rates because insurance itself can be confusing. If your vehicle is financed you’ll likely be required to carry full coverage so the loan company, bank, or credit union is still paid if the vehicle is wrecked in an accident. If your vehicle is paid for, you can opt for lesser coverage and save some money, but this is where it gets confusing for many. Below is a look at vehicle insurance in Cincinnati that will help you make an educated choice when shopping for car insurance.

How Much Car Insurance Coverage Do I Need in Cincinnati

The minimum vehicle insurance required by law in Cincinnati is:

  • $25,000 per person bodily injury liability coverage
  • $50,000 per accident bodily injury liability coverage
  • $25,000 per accident property damage liability coverage

If possible, you should opt for higher coverage, as the average three-day hospital stay is as much as $30,000 and the average cost of a brand-new vehicle is almost $37,000. In addition, the minimum policy doesn’t cover damages such as hailstorms or falling tree branches, vandalism, or vehicle theft. According to the National Insurance Crime Bureau (NICB) Cincinnati ranks 207 in vehicle theft in cities nationwide, with a per capita rate of almost 178 so a theft and vandalism rider should be a priority when you’re looking at extras you might choose to add. Both the average commute and the theft rate can affect the average insurance premium in a certain area or city.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Cincinnati by Insurer

Although your insurance costs will be determined by personal information such as gender, age, driving experience, driving record, credit score, and education there are some companies who consistently offer lower rates. Keep in mind these amounts are averages, and your personal rate may be higher or lower depending on your specific circumstances.

Compare cheap auto coverage quotes by state.

Low Cost Auto Insurance for Bad Credit in Cincinnati

Not everyone has a great credit score, and that can cost you when it comes to vehicle insurance. As mentioned previously, there are many factors that determine rates, but the following companies specialize in insuring those with below average or poor credit scores. Again, your personal quote may be higher or lower than those shown here depending on the specifics of your situation.

Do you have bad credit and need car insurance? Check out this guide to help you in your search.

Full Coverage Vs. Liability, Which is Best For You?

What is Liability Only Coverage?

Liability insurance covers the possible cost of damage you cause to others while driving. This could mean the cost of medical care for those injured in an accident or repair costs of the damage you have caused to other vehicles.

With liability insurance, there are 3 key numbers: injury coverage per person, coverage for total injury per accident, and property damage coverage per accident. Each state has different requirements for car insurance minimums. In a policy that has coverage for 15/30/25 means $15,000 per injured person, with a maximum of $30,000 for all the people who are injured in an accident, and $25,000 in coverage for property damage.

What is Full Coverage?

While liability insurance covers other people and vehicles in an accident where you were the one considered at fault, full coverage insurance can also cover you and your vehicle as well. Full coverage includes two different types of coverage combined into one insurance plan; comprehensive insurance and collision.

Comprehensive coverage is for the damage of other vehicles that are outside of driving situations such as weather damage, fire, or theft.

Collision coverage is basically to pay for damage that you caused while driving such as an accident with another vehicle, hitting an object, or driving off the road.

The difference between collision and comprehensive is, if a tree were to fall on your car and damage it, comprehensive insurance would cover it, however, if you were driving and hit a tree causing damage to your car, then it would be covered by collision.

Difference Between the Two Types of Coverage

The main difference between having liability and full coverage insurance is that liability insurance will only pay for injuries to others and their damages that resulted from an accident where you were at fault, where full coverage will not only pay for the damages and injuries done to others but will also cover your injuries and auto damages that resulted from an accident that you caused as well.

Average Annual Car Insurance Rates in Ohio by City

Additional cities in Ohio you can check out.



Helpful Advice to Get Lower Car Insurance Rates

The following auto insurance discounts can be used to help lower your premiums in Cincinnati:

  • Don’t Speed

    If you are caught speeding, your license will accrue points. With each additional point, your insurance company considers you more of a liability and so will charge you more for insurance. Stick to local in-town limits and use your cruise control on the highway to avoid excessive speed.

  • Shop Around

    Different insurers charge different premiums for virtually the same policies. Since the essential service is often identical from company to company, you are sure to save money by comparing rates from multiple companies.

  • Avoid Accidents

    When you are at fault in an accident, law enforcement will add points to your license. Further, the other party is likely to file a claim against your policy. When insurers pay out on claims, they typically raise the premiums for those policy holders.

  • Bundled Insurance Packages

    If you have renter’s insurance or are a homeowner, you may be able to add your automobile to the policy. This also goes for other vehicles or even health insurance. Insurance companies love to bundle policies and offer incentives for customers to do so. You will only have one premium payment to make, which makes things easy, and you’ll save money, as well.

  • Insure Multiple Cars

    If you own multiple cars, your per-car rates are bound to be lower if you put them all on the same policy. You can also include a car owned by your spouse or domestic partner. You could also add your partner to health insurance or cover their recreational vehicles under your policy.

To take advantage of all discounts on premiums, check out this guide.

What are the Factors that Affect Your Auto Insurance Premiums?

  • Gender
  • Marital Status
  • Age
  • Number of Violations
  • Credit Report/Score
  • Location
  • Driving Record
  • Insurance Company
  • Make and Model of your car
  • Your Insurance Plan
  • How many cars you have insured
  • Your Occupation
  • Miles you drive per year

How to tickets and accidents affect your driving record and insurance?

Helpful Cincinnati, Ohio Vehicle Resources:

Live Traffic Accidents by City

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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