What Auto Insurance is Cheapest for Low Mileage Drivers in Cincinnati?

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.

How much does car insurance cost in Cincinnati, OH?
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

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Ohio car insurance ranked by cost per year
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

Cheaper Cincinnati, OH car insurance for infrequent driversCar 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.

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

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. State Farm
  6. Liberty Mutual
  7. Safeco Insurance
  8. Allstate
  9. 21st Century
  10. Travelers

Top 10 Large Auto Insurers Overall in Cincinnati

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. 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.

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.