Who Has Affordable Auto Insurance for Electric Cars in Cincinnati?

The vehicle model driven is one of the main factors that determines if you can find low-cost insurance for electric cars. Vehicles with average performance, good safety features, or a track record of few liability claims will cost much less to insure than high performance models. The next list ranks insurance rates for some of the most cost-effective vehicles to buy insurance for.

Cheapest Vehicles to Insure in Cincinnati, OH
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,004
Honda CR-V EX 4WD $1,127
Toyota RAV4 Limited 2WD $1,188
Ford Explorer Eddie Bauer 4WD $1,212
Toyota Prius $1,220
Jeep Wrangler Rubicon 4WD 2-Dr $1,230
Toyota Tacoma 4WD $1,237
Toyota Camry XLE $1,252
Honda Odyssey EX-L $1,257
Chevrolet Impala LTZ $1,252
Ford F-150 XL Crew Cab 2WD $1,259
Ford Edge SEL 2WD $1,266
Volkswagen Jetta 2.0T 4-Dr Sedan $1,276
Toyota Corolla XRS $1,285
Chevrolet Equinox LTZ AWD $1,276
Toyota Camry Hybrid $1,359
Honda Accord EX-L 2-Dr Coupe $1,368
Dodge Grand Caravan SXT $1,362
Chevrolet Silverado Crew Cab Hybrid 4WD $1,367
Hyundai Elantra Blue 4-Dr Sedan $1,374
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in specific location information which can influence insurance rates significantly.

Based upon the rates shown, we can tell that makes and models like the Ford Escape, Honda CR-V, and Toyota RAV4 are some of the most economical vehicles to insure for eco-friendly vehicles.

For eco-friendly vehicles, one of the big considerations that are looked at to determine the annual cost of car insurance is where you choose to live. More densely populated places tend to pay more, whereas more rural areas get the luxury of paying less.

The information below shows the most expensive cities in Ohio for electric cars to purchase car insurance in. Cincinnati ranks #5 with the yearly price of $1,222 on average, which is around $102 monthly.

Car insurance prices in Cincinnati
Rank City Annual Premium
1 Cleveland $1,272
2 Youngstown $1,235
3 Columbus $1,235
4 Toledo $1,229
5 Cincinnati $1,222
6 Euclid $1,175
7 Cleveland Heights $1,166
8 Dayton $1,154
9 Akron $1,135
10 Hamilton $1,102
11 Newark $1,085
12 Lakewood $1,073
13 Springfield $1,072
14 Fairfield $1,063
15 Canton $1,058
16 Middletown $1,035
17 Strongsville $1,031
18 Parma $1,027
19 Mansfield $1,022
20 Beavercreek $1,016
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Premium costs are comparative as the specific area where the vehicle is garaged can increase or decrease auto insurance rates substantially.

Establishing which company offers the cheapest car insurance rates for electric cars takes a little more work than just comparing rates from one or two companies. Every insurance provider has a different process for filing rates in each state, so we’ll take a look at the most competitive car insurance companies in Cincinnati.

Best Insurance Companies for EV’s

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Rankings for the cheapest car insurance companies in Ohio
Rank Company Cost Per Year
1 Utica National $628
2 Erie $661
3 Allied $669
4 Frankenmuth $708
5 Travelers $712
6 USAA $719
7 Merchants Insurance Group $748
8 Cincinnati Insurance $749
9 Motorists Mutual $800
10 Grange Mutual $804
11 General Casualty $837
12 Hastings Mutual $866
13 Central Mutual $874
14 State Farm $894
15 Westfield $918
16 Atlantic States $940
17 Auto-Owners $958
18 Western Reserve $961
19 Progressive $962
20 Nationwide $988
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Utica National offers some of the lowest car insurance rates in Cincinnati at around $628 a year. Erie, Allied, Frankenmuth, and Travelers also rank well as some of the cheapest Cincinnati, OH car insurance companies.

As depicted above, if you buy coverage from Frankenmuth and switched to Utica National, you could earn an annual premium reduction of about $80. Drivers with Travelers might save as much as $84 a year, and USAA insureds might reduce rates by $91 a year.

These rates are averaged for all drivers and vehicles and do not factor in a specific zip code for electric cars. So the auto insurance company that is most affordable for your situation may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.

Tickets and at-fault accidents raise rates

The easiest method to find the cheapest car insurance rates in Cincinnati for eco-friendly vehicles is to drive carefully and avoid accidents and traffic violations. The information below shows how traffic citations and at-fault claims impact annual premium costs for each different age category. The premium estimates are based on a married male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

The chart shows that the average cost of auto insurance in Ohio per year with no accidents or violations is $1,135. Add in two speeding tickets and the average cost swells to $1,567, an increase of $432 each year. Next add two accidents along with the two speeding tickets and the annual cost of car insurance for electric cars increases to an average of $3,086. That’s an increase of $1,951, or $163 per month, just for not keeping your driving record clean!

Selecting the right auto insurance company can be rather challenging considering how many different insurance companies sell coverage in Ohio. The company information shown next may help you choose which insurers you want to consider comparing price quotes from.

These ratings include major nationwide insurance companies, so smaller regional companies are not factored into these rankings. To compare price quotes and find cheaper insurance for electric cars, simply click here.

Top 10 Major Car Insurance Companies in Cincinnati Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

Top 10 Major Car Insurance Companies in Cincinnati Ranked by A.M. Best Rating

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Allstate – A+
  6. Progressive – A+
  7. Erie Insurance – A+
  8. The Hartford – A+
  9. Nationwide – A+
  10. Esurance – A+

The illustration below shows how choosing a deductible can raise or lower premium costs when quoting cheap insurance for electric cars. The data is based on a married male driver, comp and collision included, and no discounts are applied.

In the chart above, a 30-year-old driver could lower rates by $236 a year by changing from a $100 deductible to a $500 deductible, or save $356 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old, could reduce their rates $718 annually just by choosing higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it will be necessary to have enough savings to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.

If you aren’t sure which coverage you need and prefer to get some guidance when trying to find lower insurance rates for electric cars, the agents shown below can probably aid you in deciding which auto insurance policy fits you best.

To find an auto insurance agency using an interactive map, click the button at the bottom of the list or click here to compare price quotes.

Rick Brown – State Farm Insurance Agent
3593 Westwood Northern BlvdCincinnati, OH 45211(513) 662-3593

Bob Donnelly – State Farm Insurance Agent
2063 Beechmont AveCincinnati, OH 45230(513) 231-4975

Farmers Insurance – Shellie Burke
4734 Vine StCincinnati, OH 45217(513) 242-2777

Letitia Fulkerson – State Farm Insurance Agent
882 Ohio PikeCincinnati, OH 45245(513) 752-2144

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