What Auto Insurance is Cheapest for Felons in Cincinnati?

In an ideal world, we could just tell you the one best car insurance company that has the best car insurance rates in Ohio. Unfortunately, it’s not that simple as there are a lot of unknowns like if you have ever let your coverage lapse, your credit history, and if you need full coverage or just liability, that all help calculate your car insurance rates. The information below will cover the different ways to avoid overpaying and will hopefully give you a solid foundation to find cheaper car insurance.

The vehicle needing coverage is one of the primary factors in finding low-priced auto insurance for felons. Vehicles with higher performance, a lack of safety features, or high incidents of liability claims will cost much more to insure than more economical and safe models.

The data below illustrates car insurance costs for a handful of the cheapest vehicles to buy insurance for.

Cheapest Vehicles to Insure in Cincinnati, OH
Vehicle Insured Estimated Cost for Full Coverage
Ford F-150 XL Regular Cab 4WD $1,290
Ford Escape XLS 2WD $1,409
Toyota Camry XLE $1,431
Ford Edge Limited AWD $1,436
Honda CR-V EX-L 4WD $1,443
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,448
Jeep Grand Cherokee Limited 2WD $1,457
Ford Fusion Sport 4-Dr Sedan $1,464
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,457
Dodge Ram Crew Cab SLT 2WD $1,484
Nissan Rogue SL AWD $1,528
Chevrolet Silverado Crew Cab Hybrid 2WD $1,533
Honda Accord EX 2-Dr Coupe $1,528
Nissan Altima 2.5 S 2-Dr Coupe $1,555
Kia Optima SX $1,564
Chevrolet Equinox LS AWD $1,557
Chevrolet Impala LT $1,563
Volkswagen Jetta S 4-Dr Sedan $1,557
Toyota RAV4 Sport 2WD $1,565
Toyota Prius $1,567
Ford Explorer XLT 4WD $1,577
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $1,582
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,586
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Data variables include single female 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, multi-policy, homeowner, and safe-driver. Price estimates do not factor in Cincinnati, OH location which can revise coverage prices substantially.

Looking at the numbers, you can expect models like the Ford F-150, Ford Escape, and Toyota Camry are likely to be a few of the most economical vehicles to insure for felons.

Establishing which companies have the cheapest insurance rates for felons takes a bit more effort in order to find the lowest price. Every insurance company has a unique approach to determine rates, so we’ll go over the insurance companies with the most affordable rates in Ohio.

It’s a good idea to know that Cincinnati, OH insurance rates are determined by lots of factors that control the cost of your policy. Simply having a birthday, buying higher coverage limits, or getting a speeding ticket can trigger rate changes that can cause some rates to be cheaper in comparison to the competition.

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Rankings for the cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $654
2 Erie $661
3 Allied $690
4 Frankenmuth $701
5 Travelers $733
6 USAA $741
7 Merchants Insurance Group $748
8 Cincinnati Insurance $779
9 Motorists Mutual $792
10 Grange Mutual $812
11 General Casualty $813
12 Central Mutual $840
13 State Farm $885
14 Hastings Mutual $893
15 Westfield $908
16 Atlantic States $931
17 Western Reserve $941
18 Auto-Owners $968
19 Progressive $982
20 Farmers $1,005
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Utica National generally has some of the most affordable car insurance rates in Cincinnati at around $654 annually. This is $386 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers would also make the list of some of the cheapest Cincinnati, OH auto insurance companies.

As shown in the table above, if you currently have a policy with Frankenmuth and switched to Erie, you might see yearly savings of in the neighborhood of $40. Insureds with Travelers may save as much as $72 a year, and USAA insureds might realize rate reductions of up to $80 a year.

Understand that those premiums are averages across all drivers and vehicles in Ohio and do not factor in an exact zip code location for felons. So the car insurance company that has the cheapest price for you may not even be in the top 33 companies shown above. That emphasizes why you need to get auto insurance quotes using your own driver and vehicle profiles.

One of the more important criteria that are used to help calculate the annual cost of car insurance is where you live in Cincinnati. Areas with increased crime or more people tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.

The following table rates the most expensive areas in Ohio for felons in which to buy car insurance. Cincinnati comes in at #6 with an annual cost of $1,186 for the average policy, which is about $99 per month.

How much does car insurance cost in Cincinnati, OH?
Rank City Annual Premium
1 Columbus $1,247
2 Youngstown $1,247
3 Cleveland $1,235
4 Toledo $1,229
5 Cleveland Heights $1,202
6 Cincinnati $1,186
7 Dayton $1,142
8 Euclid $1,140
9 Akron $1,123
10 Hamilton $1,113
11 Springfield $1,105
12 Fairfield $1,095
13 Newark $1,085
14 Canton $1,069
15 Beavercreek $1,058
16 Kettering $1,051
17 Strongsville $1,031
18 Lakewood $1,031
19 Middletown $1,024
20 Mansfield $1,022
21 Mentor $1,018
22 Lorain $1,015
23 Cuyahoga Falls $1,007
24 Parma $997
25 Elyria $965
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Price information shown is comparative as the specific zip code location can influence coverage rates noticeably.

Picking a highly-rated company can be rather challenging considering how many different companies sell coverage in Ohio. The ranking data displayed below may help you pick which insurers you want to consider comparing rates with.

These ratings only include companies with a nationwide focus, so smaller regional companies will not be included in the list. If you’d like to compare prices and find the cheapest rates for felons, click here.

Best 15 Insurance Companies for Felons in Ohio
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
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Data Source: Insure.com Best Car Insurance Companies

The example below illustrates how choosing a deductible can influence insurance rates when quoting cheap insurance for felons. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

In the chart above, a 30-year-old driver could cut expenses by $210 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $318 by using a $1,000 deductible. Youthful drivers, such as the Age 20 example, could potentially save $612 every year just by choosing higher deductibles. If you do raise deductibles, it is necessary to have additional savings on hand to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Irresponsible driving raises your rates

The recommended way to obtain the most affordable insurance rates for felons is to drive safe and avoid accidents and traffic citations. The example below illustrates how speeding tickets and fender-benders can drive up yearly insurance costs for each different age category. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

The chart shows that the average cost of an auto insurance policy in Cincinnati per year with a clean driving record and no accidents is $1,436. Factor in two speeding tickets and the average cost swells to $1,894, an increase of $459 each year. Now add one accident along with the two speeding tickets and the annual cost of insurance for felons goes up to an average of $2,366. That’s an increase of $930, or $78 per month, just for not being more responsible behind the wheel!