Who Has Affordable Auto Insurance for Hybrid Vehicles in Cincinnati?

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The words "bargain" and "insurance" probably shouldn't be used together, in particular when looking for the cheapest auto insurance for hybrid vehicles. Because it's so expensive, let's start the ball rolling by going over some situations that help determine insurance prices, and figure out some ways to lower the cost of the next policy you buy.

The car, truck, or SUV to be insured is one of the primary factors that determines whether or not you find the best car insurance for hybrid vehicles. Vehicles with high performance features, poor passenger safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more economical and safe models. The data below illustrates car insurance costs for the cheapest vehicles to buy insurance for.

Cheapest Vehicles to Insure in Cincinnati, OH
Make and Model Estimated Cost for Full Coverage
Honda Accord EX-L 4-Dr Sedan $1,322
Honda CR-V LX 4WD $1,399
Ford Focus SE 4-Dr Sedan $1,417
Toyota Camry LE $1,444
Ford Explorer Limited 4WD $1,472
Ford F-150 FX4 4WD $1,478
Ford Escape Limited 4WD $1,517
Ford Edge Limited AWD $1,520
Jeep Grand Cherokee Limited 2WD $1,547
Nissan Rogue S 2WD $1,550
Hyundai Sonata GLS 4-Dr Sedan $1,560
Jeep Wrangler Rubicon 4WD 2-Dr $1,567
Hyundai Elantra SE Touring Station Wagon $1,625
Ford Fusion Sport AWD 4-Dr Sedan $1,650
Toyota Camry Hybrid $1,653
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate information does not factor in Cincinnati, OH location which can revise prices significantly.

Based on these rates, we can conclude that models like the Honda Accord, Honda CR-V, Ford Focus, Toyota Camry, and Ford Explorer should be the less-costly vehicles to insure for hybrids.

For hybrids, one of the largest considerations that determine car insurance rates is your address. More densely populated places will most likely have higher rates, whereas less populated areas profit from lower rates.

The illustration below rates the most expensive areas in Ohio for hybrid vehicles in which to purchase auto insurance. Cincinnati shows up at #4 with a yearly premium of $1,222 for coverage, which is about $102 monthly.

How much does auto insurance cost in Cincinnati?
Rank City Average Per Year
1 Youngstown $1,247
2 Cleveland $1,235
3 Toledo $1,229
4 Cincinnati $1,222
5 Columbus $1,211
6 Cleveland Heights $1,178
7 Akron $1,169
8 Dayton $1,142
9 Euclid $1,140
10 Hamilton $1,135
11 Springfield $1,094
12 Newark $1,063
13 Beavercreek $1,058
14 Canton $1,058
15 Middletown $1,055
16 Fairfield $1,053
17 Strongsville $1,041
18 Lakewood $1,041
19 Kettering $1,040
20 Parma $1,027
21 Cuyahoga Falls $1,007
22 Elyria $995
23 Mansfield $992
24 Mentor $988
25 Lorain $975
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Rate information is estimated as the specific geographic location can lower or raise coverage prices considerably.

Locating low-cost auto insurance is easier said than done, and deciding which companies offer the cheapest auto insurance rates for hybrid vehicles requires even more rate comparisons.

Every insurance provider has a unique formula to determine rates, so let's begin by taking a look at the lowest cost auto insurance companies in Cincinnati.

Best Insurance Companies for Hybrids

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Ohio auto insurance company rankings
Rank Company Cost Per Year
1 Utica National $635
2 Erie $681
3 Allied $697
4 Frankenmuth $701
5 Travelers $705
6 USAA $719
7 Cincinnati Insurance $749
8 Merchants Insurance Group $778
9 Motorists Mutual $792
10 Grange Mutual $836
11 General Casualty $837
12 Hastings Mutual $858
13 Central Mutual $874
14 State Farm $885
15 Westfield $918
16 Western Reserve $932
17 Atlantic States $940
18 Progressive $962
19 Auto-Owners $988
20 Farmers $995
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Utica National quotes some of the best car insurance rates in Cincinnati at around $635 per year. Erie, Allied, Frankenmuth, and Travelers would also be considered some of the cheaper Cincinnati, OH auto insurance companies.

As shown in the table above, if you are a policyholder with Erie and switched to Utica National, you might realize an annual premium reduction of approximately $46. Insureds with Allied could save as much as $62 a year, and Frankenmuth customers might lower prices by up to $66 a year.

To find cheaper insurance rates for your vehicle, click here to start your free quote or visit any of the low-priced companies below.

Remember that these premiums are averages across all drivers and vehicles in Ohio and are not factoring in an exact zip code location for hybrid vehicles. So the car insurance company that fits your age and vehicle best may not even be in the list above. That points out the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

Full coverage or liability only

Lowering the price of auto insurance is probably important to most vehicle owners, and one good way to reduce the cost of insurance for hybrid vehicles is to only buy liability insurance. The illustration below compares insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no claims or driving violations, $250 deductibles, marital status is single, and no policy discounts are applied.

If we average all the age groups together, physical damage coverage on your policy costs $1,601 per year more than buying just liability insurance. At some point, about every driver wonders when is the right time to remove full coverage. There is no specific rule that works best for making the decision to drop comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

There are a few cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Choosing a highly-rated insurance company is difficult considering how many choices there are in Ohio. The ranking information below can help you pick which insurers you want to consider when comparing rates. These ratings are only comprised of companies with a national presence, so companies with more of a regional focus are not taken into consideration for these rankings.

Top 10 Major Auto Insurance Providers in Cincinnati Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. GEICO
  7. AAA Insurance
  8. Safeco Insurance
  9. Esurance
  10. The General

Top 10 Major Auto Insurance Providers 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+

Who has the cheapest Cincinnati car insurance?

Cincinnati, OH auto insurance rates are determined by lots of factors that may substantially change the price you pay. Improving your credit rating, becoming a homeowner, or getting a reckless driving citation may cause policy rate changes that can now make some companies cheaper in comparison to the competition.

And not only may your rating factors change, but companies change rates without warning to ensure their profitability. Significantly higher losses may result in more expensive prices, while profitable underwriting may produce lower-priced Cincinnati car insurance rates.

The graph below shows which company has the cheapest car insurance in Cincinnati, OH for a 35-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. When quoting prices based on her current rating profile, Utica National may offer the cheapest car insurance rates in Cincinnati at $812 annually. This is $228 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Travelers, and Frankenmuth are also included in the cheapest Cincinnati, OH auto insurance companies.

Let's now give the driver from the first example some claims, a lower credit score, and a traffic ticket or two. Because each insurer has a different process for filing rates in each state, comparing rates may now show a significantly different list of the cheapest Cincinnati car insurance companies as shown below.

Merchants Insurance Group now has the lowest car insurance rate in Cincinnati with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual also having competitive pricing. This example proves why it is important to compare as many rates as possible to find the most budget-friendly auto insurance quotes for hybrid vehicles.

Insurance prices can be altered by many factors and change frequently, so the cheapest company six months ago may now be priced much higher than other options.