Best Cheap Cincinnati Car Insurance

Best Cheap Cincinnati Car Insurance

Despite the potentially high cost of car insurance, insuring your vehicle is most likely required but also gives you several important benefits.

First, just about all states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your vehicle, it’s guaranteed your bank will have a requirement that you have insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your vehicle at a much higher rate and force you to reimburse them for the expensive policy.

Third, insurance safeguards both your assets and your vehicle. Insurance will pay for medical bills for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of an accident. If you have damage to your vehicle as the result of the weather or an accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance definitely exceed the price paid, especially with large liability claims. Despite what companies tell you, the average driver overpays as much as $800 each year so it’s very important to do a rate comparison at every renewal to ensure rates are competitive.

Whether you pay cheap or expensive rates for auto insurance depends on a wide range of factors, but the average premium rate in Cincinnati is about $770 each year. On average, the rest of the U.S. pays roughly $1,200, so Cincinnati residents pay around $450 less each year than drivers in other states.

Auto insurance rates in Cincinnati are calculated based upon a lot of variables, and one of the larger determinants is the car, truck, or SUV you are insuring. The next table shows policy rates for the best selling vehicles insured in Cincinnati.

Car Insurance Rates for Popular Vehicles in Cincinnati
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Equinox LTZ AWD $986 $493 $82
Chevrolet Silverado LS Crew Cab 2WD $1,038 $519 $87
Dodge Ram Quad Cab Sport 4WD $1,060 $530 $88
Ford Escape XLT 4WD $782 $391 $65
Ford F-150 XL Crew Cab 2WD $844 $422 $70
Ford Focus S 4-Dr Sedan $882 $441 $74
Honda Accord LX 4-Dr Sedan $760 $380 $63
Honda CR-V EX 4WD $782 $391 $65
Honda Civic GX 4-Dr Sedan $1,022 $511 $85
Honda Odyssey EX-L W/Rear Entertainment $964 $482 $80
Hyundai Sonata GLS 4-Dr Sedan $956 $478 $80
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $882 $441 $74
Nissan Altima 2.5 S 2-Dr Coupe $1,038 $519 $87
Toyota Camry SE $964 $482 $80
Toyota Corolla XRS $986 $493 $82
Toyota Prius $864 $432 $72
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in specific zip code location which can revise price quotes substantially.

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Driving violations and accidents

The illustration below shows how violations and at-fault claims impact insurance prices for each age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Top 10 cheapest vehicles to insure in Cincinnati, OH
Honda Fit
Hyundai Accent
Mini Cooper
Chevrolet Colorado
Kia Rondo
Mazda MX-5 Miata
Mazda 5
Hyundai Elantra
Honda CR-V
Ford Escape

Top 10 most expensive vehicles to insure in Cincinnati, OH
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
Mercedes-Benz S63 AMG
Mercedes-Benz CL550

Top 10 safest vehicles to insure in Cincinnati, OH
Chevrolet Tahoe
Jeep Liberty
GMC Acadia
Volvo XC60
GMC Sierra 2500HD
Toyota FJ Cruiser
Jeep Wrangler
Subaru Outback
Infiniti QX56
GMC Sierra