Cincinnati Auto Insurance Rates, Quotes, Agents & Reviews in OH

Cincinnati, OH Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cincinnati, OH, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Discounts of Up to $73 on a Single Anti-theft Device in Cincinnati, OH

The population in Cincinnati is 302,605, according to the U.S. Census Bureau. The median household income here is $38,542, while the per capita income is $29,156. The average cost of auto insurance in Cincinnati, according to Zimlon, is $1,048. This is lower than the average cost of auto insurance in Newport, Dayton, St. Bernard, and Woodlawn.

The cost of auto insurance is influenced by numerous factors ranging from the make and model of the car to the age and gender of the driver. Insurance companies also provide numerous discounts to help car owners lower their cost of auto insurance. A thorough comparison of multiple car insurance quotes will also help car owners save more on car insurance. Listed below are several discounts offered by auto insurance companies in Cincinnati, OH.


Discounts on Anti-theft Devices:

Equipping one’s vehicle with an anti-theft device is a good way of attracting discounts. As the above infographic indicates, car insurance companies provide numerous discounts to car owners on anti-theft devices. Passive disabling devices fetch the largest discounts in Cincinnati, OH.

Multi-Car Insurance:

Car insurance companies also provide discounts to car owners who insure multiple cars with the same insurance company. Discounts on multi-car insurance policies vary according to the make and model of the vehicle.

Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. Multi-car insurance policies are another way of availing discounts.

Hybrid and Electric Vehicles:

Auto insurance companies are lending a hand in the fight against increasing emission levels in the country. Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are environmentally friendly thanks to lower emission rates. In a few states, Farmers also offers a 5% discount to encourage environmentally prudent drivers.  

Good Driving Record:

Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

Progressive’s SNAPSHOT program offers a significant discount for good drivers. It places its average rate of discount at $145. The DriveSense Discount Program by Esurance is another option for car owners looking for discounts.

Factors that can influence the cost of car insurance in Cincinnati, OH are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Cincinnati, OH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cincinnati, OH with that of other cities in and around Cincinnati.

Cincinnati Newport Dayton St. Bernard Woodlawn Norwood
Average Insurance Rates $1,048 $1,942 $1,903 $1,132 $1,938 $1,047

Cincinnati, OH Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Cincinnati, OH based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Cincinnati $1,385 $1,170
St. Bernard $2,753 $2,326
Dayton $1,472 $1,243
Norwood $1,256 $1,061
Bellevue $997 $842
Elmwood Place $1,208 $1,021
Woodlawn $1,629 $1,376
Newport $1,471 $1,242

Cincinnati, OH Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cincinnati, OH usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,401
20 Years $1,347
30 Years $1,037
40 Years $998
50 Years $924
60 Years $937
70 Years $1,091

Cincinnati, OH Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cincinnati, OH can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,803 $293
3 Vehicles $2,704 $440
4 Vehicles $3,605 $587

Savings on 2 Vehicles bundle:$293

Savings on 3 Vehicles bundle:$440

Savings on 4 Vehicles bundle:$587

Cincinnati, OH Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cincinnati, OH.

Location Average Insurance Cost Post DUI Insurance Rate
Cincinnati $1,048 $1,696
St. Bernard $1,132 $1,832
Dayton $1,903 $3,168
Norwood $1,047 $1,695
Bellevue $1,939 $3,228
Elmwood Place $1,283 $2,076
Woodlawn $1,938 $3,227
Newport $1,942 $3,233

Cincinnati, OH Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $899
Excellent (740-799) $1,026
Good (670-739) $1,092
Average (580-669) $1,425
Poor (300-579) $1,709

Cincinnati, OH Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Dwyer Insurance Agency Erie 3356 North Bend Road, Cincinnati, 45239 None
Zinser Insurance Agency Llc None 5310 Glenway Ave, Cincinnati, 45238 (513) 978-5274
Mccord Insurance Agency, Inc. None 9200 Rd Suite 12A Cincinnati, Montgomery, 45242 (513) 716-1428
Steve Ulmer State Farm 3518 Glenmore Avenue, Cincinnati, 45211-5420 513-662-4300
Shelonda Payton State Farm 8106 Plainfield Rd, Cincinnati, 45236-2413 513-793-4311
Arthur J Gallagher Risk Management Svcs Inc Liberty Mutual Independent 1 W 4TH ST STE 1300, CINCINNATI, 45202 513-977-3100
Insurance Planning Systems None 5843 Harrison Ave Ste 307 , Cincinnati, 45248 None
W P Dolle Llc Liberty Mutual Independent 312 WALNUT ST STE 3200, CINCINNATI, 45202 513-421-6515
Gellenbeck Financial Services Liberty Mutual Independent 9420 TOWN SQUARE AVE STE 11, CINCINNATI, 45242 513-891-7400
Rudd Insurance Agency Inc Travelers 239 W COURT ST, CINCINNATI, 45202 513-721-7766

Cincinnati, OH Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$46 $1,094
Driver's Failure In Showing Documents +$102 $1,150
Driving With An Expired Registration +$108 $1,156
Driving At A Considerably Slow Pace +$227 $1,275
Using A Cellphone While Driving +$240 $1,288
Running A Red Light +$244 $1,292
Speeding +$257 $1,305
Driving A Vehicle Without The Required Permission +$326 $1,374
Driving With An Expired/Suspended License +$706 $1,754

Cincinnati, OH Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,006
Active Disabling Device $1,006
Tracking Device $985
Passive Disabling Device $975

Latest Auto Insurance Reviews in Cincinnati, OH | Back to Top

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.