Cincinnati, OH Auto Insurance Rates

Cincinnati, OH residents can save $410 by comparing multiple quotes & reading reviews & research on Cincinnati car insurance rates, quotes, agents & coverage.

Compare Quotes from Top Providers and Save now!

$473 $1027 $1686

Latest Auto Insurance Reviews in Cincinnati, Ohio

State Farm
The car insurance policy is similar or comparable to that of the others. I am happy with it. It doesn't increase premium quickly every year.
Farm Bureau
They've let me send pictures when I needed to make a claim and couldn't drive to them, they've replaced carseats when we needed them replaced after an accident. Never any issues.
The premium and deductible for the policy as compared to others is about the same coverage. I have been satisfied with it.
American Family Insurance
Again we umbrella our coverage so it made sense to have American Family for both home and car. Fortunately we have not had to use either but friends tell us they settle quickly when you have a claim.
American Family Insurance
Again we umbrella our coverage so it made sense to have American Family for both home and car. Fortunately we have not had to use either but friends tell us they settle quickly when you have a claim.
Erie Insurance
I think that if I shopped around, I could probably get a better premium with another company. I do get a bundle discount, because I also have home owners insurance with Erie. I feel like the value I get for the service is worth rolling the dice on a better premium with a company that might not be as responsive as Erie has been for me.
Alfa Insurance
My premium at three other companies was substantially higher. At one provider I was quoted nearly $750 more for worse coverage that didn't even include rental car or roadside assistance.
Amica Mutual Insurance
I like the online portal of my insurance company because it gives me flexibility to change anything I want.
The Hartford
The only thing that I dislike is they increased their premium slightly this year over last. It was not too great of an increase, and still well under what we paid with our other company. I just hope they don't continue increasing year over year. If that happens we will compare prices and go elsewhere.
I can access them online or by phone. So far, I've had one towing claim and it was pretty straightforward and easy to file.
State Farm
Well I do not like having too go through all the button menus on the phone just to finally get directed to the department that may or may not be the right one.
State Farm
It was way more costly with other insurers. Also, others would not cover all vehicles on one policy. State farm did that soon as I talked to them. Our vehicles are older but well kept. State Farm understood the need to make vehicles last.
Write Your Review | Cincinnati, Ohio Auto Insurance Analysis
Amica Auto Insurance, Cincinnati, OH
$99/1 month
Car Insurance Policy Holder
  • Single 18 Years old Male licensed <1 year ago with Own Hyundai Genesis 2.0T used for Business with estimated annual mileage of 15,001 - 20,000.
  • less than high school education & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $12.5K (Per Person Bodily Injury) / $25K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 20 K Personal Injury Protection
  • 12.5 K Uninsured Motorists Bodily Injury
  • 25 K Uninsured Motorists Property Damage

Cincinnati Car Insurance Rate Comparisons

Cincinnati, OH's average car insurance of $1027 differs from Finneytown, OH (+$93), Fairfax, OH (+$213), Ludlow, KY (+$203) and Ohio (+$79)

Cincinnati Finneytown, OH Fairfax, OH Ludlow, KY Ohio
Median Insurance Rates $1027 +$93 +$213 +$203 +$79

Cincinnati Car Insurance Savings By Neighborhood & Street Area

Cincinnati Driver Street Residence & Car Locations Car Details in Cincinnati Cincinnati Driver Demographics Cincinnati Auto Insurance Estimates Recent Cincinnati Insurance Savings
Reynard Ave2005 Chrysler Pacifica Touring37 year married man$1292$583
Empire Ct2008 Ford Fusion SEL67 year male senior$1241$752
Knowltons Corner
President Dr2007 Buick Terraza CX48 year woman$860$784
Tappan Ave2010 Mazda Mazda3 s Sport45 year man$1564$829
Placid Meadows
Allenwood Ct2013 Hyundai Sonata GLS77 year senior$1293$405
Claymore Ter2010 Toyota Prius I16 year female teenager$2765$424
Romaine Dr2009 Acura TSX Base16 year male teenager$3741$495
Forest Hill Ln2013 Honda Civic LX16 year teenager$2969$436
Werk Place
Walk Way2004 Cadillac XLR Base45 year married woman$1011$658
Ideal Ter2011 Nissan Rogue SV60 year female senior$1287$751

Cincinnati Post DUI Car Insurance Rates

Cincinnati Bromley, KY Ludlow, KY Hamilton County Ohio
Median Post DUI Insurance Rate $1910 +$2200 +$377 -$50 +$147
Male Teenager Post DUI Insurance Rate $6837 +$7877 +$1352 -$179 +$526
Female Teenager Post DUI Insurance Rate $5691 +$6557 +$1125 -$149 +$437

The Post DUI insurance in Cincinnati, OH's is $1910 compared to Bromley, KY (+$2200), Ludlow, KY (+$377), Hamilton County (-$50) and Ohio (+$147)

In Cincinnati, a male teenager with Post DUI pays $1146 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2007 Buick Terraza CX in Cincinnati, OH would pay $6158 on auto insurance while a female teenager POST DUI would pay $5126.

Cincinnati Car Insurance by Segment

Cincinnati Teenagers Car Insurance Rates Comparison

21853 Cincinnati Teenagers (7% of total population), 49% Male & 51% Female.

Cincinnati Bellevue, KY Amberley Fairfax Ohio
All Teenagers $3348 +$612 +$1639 +$694 +$257
Male Teenager $3676 +$673 +$1801 +$763 +$283
Female Teenager $3060 +$560 +$1499 +$635 +$235

Cincinnati teenagers pay $3348 in insurance in contrast with Bellevue, KY (+$612), Amberley (+$1639), Fairfax (+$694) and Ohio (+$257). The difference between Male & Female teenagers in Cincinnati is $616


  • 2011 Lincoln MKZ Base Male Teenager Insurance Rate $3784
  • 2013 Volkswagen Beetle 2.5 PZEV Female Teenager Insurance Rate $2890

Cincinnati Men & Women Car Insurance

297314 Cincinnati Adults (100% of total population), 48% Men & 52% Women.

Cincinnati Bellevue, KY North College Hill Southgate, KY Ohio
All Women $955 +$174 +$393 +$691 +$73
Married Women $883 +$161 +$364 +$639 +$68
All Men $1715 +$314 +$706 +$1240 +$132
Married Men $1437 +$264 +$593 +$1041 +$111

The typical insurance rate of $1715 that Cincinnati Men pay varies from Bellevue, KY (+$314), North College Hill (+$706), Southgate, KY (+$1240) and Ohio (+$132). In Cincinnati, married men pay $554 more than married women.


  • 2014 Jeep Wrangler Sport Married Men Insurance Rate $1664
  • 2014 Kia Sorento LX Married Women Insurance Rate $1290

Cincinnati Senior Car Insurance

47176 Cincinnati Seniors (15% of total population), 40% Senior Men & 60% Senior Women.

Cincinnati Finneytown Ludlow, KY Bromley, KY Ohio
All Seniors $1355 +$123 +$268 +$1562 +$104
Senior Men $1335 +$121 +$264 +$1538 +$102
Senior Women $1365 +$124 +$270 +$1574 +$105

Cincinnati seniors pay $1355 in insurance compared to Finneytown (+$123), Ludlow, KY (+$268), Bromley, KY (+$1562) and Ohio (+$104). In Cincinnati, senior men pay $30 less than senior women.

Cincinnati Car Insurance Discounts for Multiple Vehicles

Cincinnati Population with 1 Vehicle 56750 (44% of Cincinnati population), 2 Vehicles 32864 (25% of the Cincinnati population) and 3 vehicles 8987 (7% of the population)

Cincinnati Woodlawn, KY Elmwood Place North College Hill Ohio
2 Vehicles $1952 +$1392 +$898 +$803 +$150
3 Vehicles $2979 +$2125 +$1371 +$1226 +$229
4 Vehicles $4006 +$2858 +$1844 +$1649 +$308

Car Insurance Agents in Cincinnati, OH

Rank Agent Name Agent Contact
1 AAA Insurance 15 W Central Pkwy, Cincinnati, OH 45202
2 AAA Insurance 2712 Erie Ave, Cincinnati, OH 45208
3 AAA Insurance 471 Ohio Pike, Cincinnati, OH 45255
4 AAA Insurance 12000 Chase Plz, Cincinnati, OH 45240
5 AAA Insurance 9718 Colerain Ave, Cincinnati, OH 45251
6 AAA Insurance 8176 Montgomery Rd, Cincinnati, OH 45236
7 AAA Insurance 6558 Glenway Ave, Cincinnati, OH 45211
8 Adam Kirker Insurance Agency - American Family Insurance 688 Old State Rt 74, Cincinnati, OH 45245
9 Adkins Ins Group Inc 7357 E Kemper Rd STE B, Cincinnati, OH 45249-1672
10 Advantage Auto Insurance 3985 Race Rd, Cincinnati, OH 45211

Cincinnati Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Ford, Explorer Limited $200 $1080 $1280 $1010 $1210 $70
Mazda, MX5 Miata Sport $300 $1060 $1360 $1000 $1300 $60
Honda, CR-V EX $1500 $1020 $1520 $940 $2440 $-920
Toyota, 4Runner SR5 $100 $1070 $1170 $1030 $1130 $40
Subaru, Legacy 3.6R $1000 $1120 $1620 $1030 $2030 $-410