Who Has Affordable Car Insurance Rates for Drivers Under 25 in Cincinnati?

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Wouldn't it be easy if you could know instantly the one best company that has the best auto insurance prices for drivers under 25? That is not the case, however, as there are a whole bunch of unknown aspects such as what deductibles you want to use, whether you are single or married, and your gender. The content below will cover these types of topics and will hopefully give you a solid foundation to find cheaper car insurance in Cincinnati.

Trying to find budget auto insurance is hard enough, and figuring out which companies offer the best insurance rates for drivers under 25 requires a bit more work. Each insurer has a unique formula for establishing rates, so to begin we'll rank the overall cheapest insurance companies in Ohio.

We do need to point out that Cincinnati, OH insurance rates are impacted by many factors that control the price you have to pay. Price variation is why drivers need to spend some time comparing rates to find cheap car insurance rates for drivers under 25. Auto insurance prices are made up of many factors and change frequently, so the most economical company when you bought your policy may now cost much more than other companies.

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Cheapest auto insurance in Ohio ranked by cost per year
Rank Company Cost Per Year
1 Utica National $647
2 Erie $661
3 Allied $690
4 Frankenmuth $708
5 USAA $719
6 Travelers $726
7 Merchants Insurance Group $748
8 Cincinnati Insurance $756
9 Motorists Mutual $824
10 General Casualty $829
11 Grange Mutual $836
12 Central Mutual $848
13 State Farm $867
14 Hastings Mutual $884
15 Westfield $918
16 Atlantic States $931
17 Auto-Owners $958
18 Western Reserve $961
19 Progressive $991
20 Farmers $995
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Utica National quotes some of the cheapest car insurance rates in Cincinnati at around $647 per year. Erie, Allied, Frankenmuth, and USAA also rank well as some of the most economical Cincinnati, OH insurance companies.

As depicted above, if you are a customer of Allied and switched to Utica National, you might achieve an annual premium reduction of approximately $43. Insureds with Frankenmuth might save as much as $61 a year, and USAA customers might lower prices by $72 a year.

To find the cheapest coverage for you, click here or visit any of the low-priced companies below.

Bear in mind that those policy prices are averages across all types of insureds and vehicles and and are not figured with a specific zip code for drivers under 25. So the company that fits your needs best may not even be in the top 33 companies shown above. That underscores the importance of why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

For drivers age 25 and younger, one of the more important criteria that determine the amount you pay each year for auto insurance is where you call home. Areas with increased crime or more people tend to have higher rates, whereas areas with less people or fewer weather incidents get the luxury of paying less.

The information below shows the most expensive places in Ohio for drivers under 25 in which to buy car insurance. Cincinnati is ranked at #5 costing $1,186 for the average insured, which is around $99 each month.

How much is car insurance in Cincinnati?
Rank City Annual Premium
1 Youngstown $1,285
2 Toledo $1,267
3 Cleveland $1,235
4 Columbus $1,235
5 Cincinnati $1,186
6 Euclid $1,175
7 Cleveland Heights $1,166
8 Akron $1,157
9 Dayton $1,120
10 Hamilton $1,113
11 Fairfield $1,095
12 Canton $1,091
13 Lakewood $1,063
14 Newark $1,063
15 Springfield $1,061
16 Middletown $1,055
17 Beavercreek $1,047
18 Cuyahoga Falls $1,037
19 Mansfield $1,032
20 Strongsville $1,031
21 Parma $1,027
22 Kettering $1,009
23 Elyria $1,005
24 Mentor $978
25 Lorain $975
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Premium costs are comparative as the specific zip code location can decrease or increase coverage rates considerably.

The vehicle model to be insured is a large consideration that determines if you can find the lowest-priced auto insurance for drivers under 25. Vehicles with lower performance, modern passenger safety features, or a track record of few liability claims will cost quite a bit less to insure than high performance models. The next list estimates insurance costs for some of the most affordable automobiles to insure in Ohio.

Cheapest Vehicles to Insure in Cincinnati, OH
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $3,210
Ford Escape Limited 2WD $3,258
Hyundai Elantra SE Touring Station Wagon $3,496
Toyota Prius $3,543
Dodge Grand Caravan SE $3,571
Ford Explorer Eddie Bauer 2WD $3,580
Honda Odyssey EX $3,762
Chevrolet Impala LT $3,809
Chevrolet Equinox LT 2WD $3,815
Toyota RAV4 Sport 2WD $3,809
Chevrolet Malibu Hybrid $3,815
Ford F-150 FX2 2WD $3,857
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $3,867
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $3,857
Ford Focus SES 4-Dr Sedan $4,000
Ford Edge Limited AWD $4,048
Toyota Corolla XLE $4,053
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Data rating is based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in Cincinnati, OH location which can alter coverage prices noticeably.

Based on these rates, you can conclude that models like the Honda CR-V, Ford Escape, Hyundai Elantra, and Toyota Prius are likely to be a few of the most economical vehicles to insure for drivers age 25 and younger. Auto insurance rates will be more expensive because there is more liability exposure for drivers under 25, but overall those particular vehicles will have the best rates compared to other types of vehicles.

Rate difference between full and liability-only coverage

Finding cheaper insurance is important to the majority of vehicle owners, and one of the fastest ways to buy cheap insurance for drivers under 25 is to not insure for full coverage. The illustration below shows the difference between auto insurance costs with and without physical damage coverage. The data assumes no tickets, no at-fault accidents, $250 deductibles, drivers are not married, and no policy discounts are applied.

If the expense is averaged for all age categories, full coverage costs $1,601 per year more than just buying liability only. That may make you wonder if full coverage is worth the money. There is no definitive formula to stop paying for comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's pretend your vehicle's replacement cost is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $10,000 after paying the physical damage deductible. If you are paying over $1,000 a year for physical damage coverage, then it might be time to buy liability only.

There are a few situations where removing full coverage is not a good plan. If you haven't paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Choosing a good quality insurer is difficult considering how many different companies there are to choose from in Ohio. The company information shown next could help you analyze which car insurance providers you want to consider when trying to find cheaper insurance for drivers under 25. These ratings only include the largest companies in the United States, so companies with more of a regional focus are not included in the list.

Top Insurance Companies for Drivers Under 25 in Cincinnati, OH
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

How violations and accidents impact rates

The ideal way to obtain cheap insurance rates for drivers age 25 and younger is to be a safe driver and avoid accidents and violations. The information below demonstrates how citations and at-fault collisions can raise car insurance rates for each different age group. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

In the chart above, the average cost of car insurance per year with no accidents and a clean driving record is $833. Add in two speeding tickets and the average cost jumps to $1,176, an increase of $342 each year. Now get one accident along with the two speeding tickets and the 12-month cost of insurance for drivers under 25 goes up to an average of $1,519. That's an increase of $686, or $57 per month, just for a couple of infractions!