The words “low-cost” and “auto insurance” really shouldn’t be used together, especially when you are searching for the best coverage prices for low mileage drivers. Because it’s so expensive, let’s start the ball rolling by going over some of the things that have an effect on insurance rates, and see if we can help you take the bite out of the next policy you buy.
For infrequent drivers, one of the big factors that determine the amount you pay each year for auto insurance is the neighborhood you call home in Cincinnati. Areas with more people or higher crime rates tend to pay more, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The table below shows the most expensive places in Ohio for low mileage drivers to buy car insurance in. Cincinnati comes in at #5 with an annual rate of $1,210 for the average policy, which is about $101 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Cleveland | $1,272 |
| 2 | Columbus | $1,247 |
| 3 | Youngstown | $1,235 |
| 4 | Toledo | $1,229 |
| 5 | Cincinnati | $1,210 |
| 6 | Cleveland Heights | $1,202 |
| 7 | Euclid | $1,175 |
| 8 | Dayton | $1,142 |
| 9 | Hamilton | $1,135 |
| 10 | Akron | $1,123 |
| 11 | Newark | $1,095 |
| 12 | Springfield | $1,061 |
| 13 | Canton | $1,058 |
| 14 | Fairfield | $1,053 |
| 15 | Middletown | $1,035 |
| 16 | Lakewood | $1,031 |
| 17 | Mansfield | $1,022 |
| 18 | Kettering | $1,020 |
| 19 | Beavercreek | $1,016 |
| 20 | Cuyahoga Falls | $1,007 |
| 21 | Parma | $1,007 |
| 22 | Elyria | $1,005 |
| 23 | Strongsville | $1,001 |
| 24 | Lorain | $985 |
| 25 | Mentor | $978 |
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Table data uses comparative as the specific area where the vehicle is garaged can alter premium rates considerably.
Deciphering which company has the lowest-priced car insurance rates for low mileage drivers will take a little more sweat than just getting one or two price quotes. Each insurance company has their own process to set their prices, so let’s take a look at the most affordable car insurance companies in Cincinnati.
Best Auto Insurance Prices in Ohio
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $628 |
| 2 | Erie | $687 |
| 3 | Allied | $690 |
| 4 | Frankenmuth | $701 |
| 5 | Travelers | $705 |
| 6 | USAA | $733 |
| 7 | Cincinnati Insurance | $749 |
| 8 | Merchants Insurance Group | $755 |
| 9 | General Casualty | $805 |
| 10 | Grange Mutual | $812 |
| 11 | Motorists Mutual | $816 |
| 12 | Central Mutual | $840 |
| 13 | State Farm | $858 |
| 14 | Hastings Mutual | $884 |
| 15 | Atlantic States | $913 |
| 16 | Western Reserve | $941 |
| 17 | Westfield | $946 |
| 18 | Progressive | $982 |
| 19 | Auto-Owners | $988 |
| 20 | Nationwide | $998 |
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Utica National has some of the cheapest car insurance rates in Cincinnati at around $628 each year. Erie, Allied, Frankenmuth, and Travelers also qualify as some of the lowest-priced Cincinnati, OH insurance companies.
As shown in the rates above, if you are a policyholder with Travelers and switched to Erie, you might realize annual savings of around $18. Ohio drivers with USAA might save as much as $46 a year, and Cincinnati Insurance insureds might cut rates by $62 a year.
To find the cheapest rates for your vehicle, click here to get quotes or quote prices from the following companies.
These policy rates are averaged across all insureds and vehicles and are not factoring in an exact vehicle garaging location for low mileage drivers. So the company that can offer you the best price may not even be in the top 33 companies in the list above. That illustrates why you need to get quotes using your own specific driver and vehicle information.
Types of discounts on Cincinnati insurance
Car insurance companies that offer cheap quotes for low mileage drivers may also provide price discounts that could potentially reduce rates by as much as 35% if you qualify. A list of car insurance companies and a summarized list of policyholder discounts are included below.
- State Farm offers discounts including good driver, passive restraint, safe vehicle, good student, Steer Clear safe driver discount, and anti-theft.
- Farmers Insurance offers discounts for homeowner, distant student, multi-car, mature driver, electronic funds transfer, and pay in full.
- GEICO may have discounts that include emergency military deployment, multi-vehicle, air bags, military active duty, good student, and five-year accident-free.
- American Family discounts include good driver, Steer into Savings, bundled insurance, early bird, mySafetyValet, TimeAway discount, and defensive driver.
- Nationwide may offer discounts for business or organization, anti-theft, accident-free, Farm Bureau membership, family plan, and good student.
- Progressive includes discounts for multi-policy, good student, multi-vehicle, continuous coverage, and online quote discount.
The diagram below illustrates the difference between insurance costs with and without discounts. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, safe-driver, accident-free, homeowner, passive restraint, and multiple vehicle discounts applied. With discounts applied, theaverage amount saved on car insurance for low mileage drivers is 27% or $253.
Selecting the highest-rated auto insurance provider is difficult considering how many companies are available to choose from in Cincinnati. The ranking information shown below can help you decide which car insurance companies you want to consider when trying to find the cheapest insurance for low mileage drivers. The rankings below are only made up of large, nationwide insurance companies, so companies with more of a regional focus are not included in the list.
Top 10 Large Auto Insurers in Cincinnati Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
Top 10 Large Auto Insurers Overall in Cincinnati
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
How to find more affordable auto insurance for low mileage drivers
Here are many penny-pinching solutions that can help you get more affordable car insurance.
- Pay cheaper rates with good credit scores
- Raise physical damage deductibles
- Claim-free policyholders usually earn a discount
- Safer vehicles cost less to insure
- Full coverage may not be needed on older vehicles
- Bundle car and home insurance and save money
- Compare rates regularly and switch companies to save money
The final tip is highly necessary, as was noted in this piece. Insurance prices in Cincinnati can change in a short period of time, so drivers shouldn’t hesitate to switch carriers if a lower-cost policy is available.
Brand loyalty is great, but we do not recommend it if that inflexibility results in costing you big bucks every year. Now is a great time to compare prices and find cheaper auto insurance for low mileage drivers.