Who Has Cheap Cincinnati Auto Insurance for First-time Drivers?

The words “economical” and “auto insurance” probably shouldn’t be used together, especially when you are shopping around for the best car insurance rates for first-time drivers. Because it’s not cheap, let’s start off by going over a few of the factors that have a considerable impact on insurance prices, and come up with some ideas to shave a little off your next policy.

Buying low-cost insurance is confusing at best, and figuring out which companies have the best insurance rates for first-time drivers calls for even more perseverance. Every insurance provider uses their own calculation for setting rates, so first we will examine the most budget-friendly insurance companies in Cincinnati.

Keep in mind that Cincinnati insurance rates are determined by lots of factors that can increase the policy price. That is why Ohio drivers need to compare many different companies when trying to find the most affordable auto insurance rates for first-time drivers. Prices are impacted by many risk factors and change dramatically, so the cheapest option when you bought your policy may now be quite expensive.

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Cheapest insurance companies in Ohio
Rank Company Cost Per Year
1 Utica National $654
2 Allied $676
3 Erie $687
4 Frankenmuth $701
5 Travelers $705
6 USAA $711
7 Merchants Insurance Group $771
8 Cincinnati Insurance $779
9 Motorists Mutual $792
10 Grange Mutual $836
11 General Casualty $837
12 Central Mutual $848
13 State Farm $858
14 Hastings Mutual $884
15 Atlantic States $904
16 Westfield $918
17 Western Reserve $961
18 Progressive $982
19 Auto-Owners $988
20 Farmers $995
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Utica National generally has some of the lowest car insurance rates in Cincinnati at around $654 annually. Allied, Erie, Frankenmuth, and Travelers also qualify as some of the most economical Cincinnati, OH insurance companies.

In the above example, if you are a policyholder with Allied and switched to Utica National, you may see savings of upwards of $22. Customers with Erie might save as much as $33 a year, and Frankenmuth policyholders might reduce prices by as much as $47 a year.

These premiums are averages across all drivers and vehicles and and are not calculated with a specific zip code for first-time drivers. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That’s why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The car, truck, or SUV that needs insurance is one of the largest factors when shopping around for the most affordable coverage for first-time drivers. Vehicles with lower acceleration and performance, a great safety record, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The information below shows car insurance premiums for a number of the most cost-effective automobiles to insure in Ohio.

Cheapest Vehicles to Insure in Cincinnati, OH
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $5,025
Ford Escape XLS 2WD $5,031
Honda Accord EX-L 4-Dr Sedan $5,380
Toyota Prius $5,428
Ford Edge SE 2WD $5,603
Volkswagen Jetta 2.0T Station Wagon $5,738
Chevrolet Impala LS $5,911
Toyota Tacoma Double Cab 4WD $5,959
Toyota RAV4 Sport 2WD $5,968
Nissan Altima 2.5 4-Dr Sedan $5,959
Chevrolet Malibu LS $5,968
Ford F-150 Lariat Super Cab 2WD $6,007
Ford Explorer Eddie Bauer 4WD $6,013
Dodge Grand Caravan Crew $6,007
Ford Focus SES 4-Dr Sedan $6,220
Hyundai Elantra Blue 4-Dr Sedan $6,225
Honda Civic EX 4-Dr Sedan $6,220
Honda Odyssey EX-L W/Rear Entertainment $6,269
Toyota Camry SE $6,274
GMC Sierra SLE Crew Cab 4WD $6,317
Chevrolet Equinox LTZ 2WD $6,324
GMC Sierra 2500HD SLE Regular Cab 4WD $6,317
Toyota Corolla XRS $6,323
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Data based on single male driver age 16, 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 specific garaging location which can lower or raise prices considerably.

Based upon the rates shown, cars like the Honda CR-V, Ford Escape, Honda Accord, and Toyota Prius are most likely going to be some of the most budget-friendly vehicles to insure for new drivers. Rates will tend to be more expensive anyway because of the fact that there is more liability exposure for first-time drivers, but in general those models will probably have the cheapest car insurance rates possible.

For new drivers, one of the more important things that determine the annual cost of car insurance is where your car is garaged. More densely populated places tend to have higher auto insurance costs, whereas areas with less crime or weather claims benefit from lower prices.

The illustration below ranks the most expensive areas in Ohio for first-time drivers to purchase a policy in. Cincinnati comes in at #4 with the yearly price of $1,222 for coverage, which is approximately $102 per month.

How much does car insurance cost in Cincinnati, OH?
Rank City Premium Per Year
1 Cleveland $1,235
2 Youngstown $1,235
3 Toledo $1,229
4 Cincinnati $1,222
5 Columbus $1,211
6 Cleveland Heights $1,202
7 Akron $1,157
8 Euclid $1,140
9 Dayton $1,120
10 Hamilton $1,113
11 Fairfield $1,095
12 Newark $1,095
13 Springfield $1,094
14 Canton $1,091
15 Beavercreek $1,047
16 Lakewood $1,041
17 Kettering $1,040
18 Parma $1,037
19 Middletown $1,035
20 Strongsville $1,031
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Table data uses approximated as the vehicle garaging location can revise price quotes greatly.

The example below demonstrates how choosing different deductibles can affect insurance rates when researching cheap insurance for first-time drivers. The information is based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

A 50-year-old driver could lower their policy premium by $184 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $280 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could shave as much as $458 or more by selecting a higher deductible. When using a larger deductible, it is essential to have emergency funds available to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Insurance rates are higher with tickets and accidents

The obvious way to get good insurance prices in Cincinnati for new drivers is to drive attentively and not get tickets or have accidents. The illustration below illustrates how speeding tickets and at-fault collisions increase insurance costs for different age groups. The rate quotes are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

The data charted above shows the average cost of auto insurance per year with no accidents or violations is $1,367. Receive two speeding tickets and the average cost hikes up to $1,825, an increase of $458 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for first-time drivers increases to an average of $3,633. That’s an increase of $2,267, or $189 per month, just for not driving responsibly!

The Cincinnati car insurance agencies listed below can help you decide which auto insurance policy fits you best, as some drivers aren’t sure which coverage they need and prefer to have a professional recommendation when comparing insurance rates for new drivers. It’s not always simple to find the best rates on your own, so a licensed agent can give peace of mind knowing your coverage gives you sufficient coverage for your assets.

To find an agent by location nearest to you, click the button at the bottom or click here to get price quotes now.

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Ideas for buying the cheapest insurance for first-time drivers

The list below shows many thrifty solutions that can help drivers locate lower-cost auto insurance.

The last item on the list is highly vital, as was stressed in this article. Rates change frequently, so don’t be afraid to switch carriers if a better rate can be found.

Being loyal to a particular company is commendable, but it isn’t a good idea if your bullheadedness ends up costing you a considerable chunk of change every month. Spend a few minutes and shop around to find cheaper auto insurance for first-time drivers in Cincinnati.