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.
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 Rates
- Cincinnati, OH Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cincinnati, OH
- Multi Vehicle Insurance Savings in Cincinnati, OH
- How Credit Score Affects Car Insurance Rates in Cincinnati, OH
- How DUI Affects Auto Insurance Premiums in Cincinnati, OH
- Top Auto Insurance Agents Near Cincinnati, OH
- How Driving Violations Affect Auto Insurance Rates in Cincinnati, OH
- Cincinnati, OH Auto Insurance Discounts on Anti Theft Feature
- Cincinnati, OH Auto Insurance Company Reviews
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 FarmThe 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 BureauThey'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.
AllstateThe premium and deductible for the policy as compared to others is about the same coverage. I have been satisfied with it.
American Family InsuranceAgain 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 InsuranceAgain 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 InsuranceI 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 InsuranceMy 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 InsuranceI like the online portal of my insurance company because it gives me flexibility to change anything I want.
The HartfordThe 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.
ProgressiveI 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 FarmWell 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 FarmIt 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.