Who Has Cheap Cincinnati Auto Insurance for Teachers?

Establishing which company offers the most affordable insurance rates for teachers will require a bit more effort in order to find the best price. Each insurance company has a unique approach for determining rates, so let’s look at the rankings for the overall cheapest insurance companies in Ohio.

We do need to point out that Ohio insurance rates are determined by lots of factors that control the policy premium. Simply getting older, having a teenage driver, or getting into an accident may generate price changes that can make some companies more affordable than others.

Find the Cheapest Auto Insurance for Educators

Start Your Free Quote

Ohio car insurance ranked by cost per year
Rank Company Cost Per Year
1 Utica National $647
2 Erie $661
3 Allied $669
4 Frankenmuth $687
5 USAA $711
6 Travelers $726
7 Merchants Insurance Group $748
8 Cincinnati Insurance $756
9 Motorists Mutual $792
10 Grange Mutual $812
11 General Casualty $837
12 Central Mutual $848
13 Hastings Mutual $858
14 State Farm $867
15 Westfield $908
16 Atlantic States $913
17 Western Reserve $961
18 Nationwide $988
19 Auto-Owners $988
20 Progressive $991
Get a Custom Quote Go

Utica National has some of the most affordable car insurance rates in Cincinnati at around $647 per year. This is $393 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA are also some of the lowest-priced Cincinnati, OH insurance companies.

As illustrated above, if you are insured with Allied and switched to Utica National, you could realize yearly savings of approximately $22. Customers with Frankenmuth may save as much as $40 a year, and USAA customers might reduce rates by $64 a year.

If you want to see how much you could save, click here to start your free quote or feel free to get quotes from the companies below.

Remember that these policy rates are averages for all ages of drivers and types of vehicles and do not factor in a specific location for teachers. So the car insurance company that is best for you may not even be in the top 33 companies shown above. That emphasizes why you need to get rate quotes from many companies using your own specific driver information and vehicle.

The make and model of vehicle needing coverage is a significant factor that determines the availability of the best car insurance for teachers. Vehicles with higher performance, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models.

The table below illustrates car insurance costs for a handful of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Cincinnati, OH
Make and Model Estimated Cost for Full Coverage
Volkswagen Jetta S 2.5 Station Wagon $1,350
Toyota Prius $1,378
Jeep Wrangler Sahara 4WD 2-Dr $1,398
Ford Escape XLT 2WD $1,426
Chevrolet Impala LS $1,446
Chevrolet Equinox LS AWD $1,474
Chevrolet Malibu Hybrid $1,483
Toyota RAV4 Sport 4WD $1,474
Dodge Grand Caravan Crew $1,502
Hyundai Elantra GLS 4-Dr Sedan $1,550
Honda CR-V EX-L 4WD $1,563
Jeep Grand Cherokee Limited 2WD $1,578
Hyundai Sonata GLS 4-Dr Sedan $1,580
Ford Explorer XLT 4WD $1,598
Dodge Ram 3500 Crew Cab ST 2WD $1,634
Get a Custom Quote Go

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 claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in zip code location which can affect coverage prices considerably.

By looking at the data, you can expect cars like the Volkswagen Jetta, Toyota Prius, and Jeep Wrangler will definitely be a few of the cheaper vehicles to insure for teachers and educators.

For teachers and educators, one of the largest components that are looked at to help calculate car insurance rates is your address. More densely populated places are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The following table rates the priciest cities in Ohio for teachers in which to buy car insurance. Cincinnati makes the list at #5 with the yearly price of $1,210 for the average insurance policy, which is around $101 monthly.

How much does auto insurance cost in Cincinnati?
Rank City Premium Per Year
1 Youngstown $1,285
2 Toledo $1,267
3 Columbus $1,235
4 Cleveland $1,222
5 Cincinnati $1,210
6 Cleveland Heights $1,166
7 Akron $1,157
8 Dayton $1,154
9 Euclid $1,140
10 Hamilton $1,135
11 Fairfield $1,095
12 Springfield $1,094
13 Canton $1,069
14 Lakewood $1,063
15 Beavercreek $1,058
16 Newark $1,053
17 Kettering $1,051
18 Middletown $1,035
19 Cuyahoga Falls $1,027
20 Mentor $1,018
21 Strongsville $1,011
22 Parma $1,007
23 Lorain $1,005
24 Mansfield $1,002
25 Elyria $995
Get a Custom Quote Go

Rate quotes are comparative as zip code location can lower or raise premium rates substantially.

Discount Cincinnati insurance

Insurance for teachers and educators in Cincinnati, OHAuto insurance companies that provide policies for teachers may additionally offer discounts that may potentially lower prices by as much as 25% or more if you qualify. Larger insurance companies and a selection of discounts are outlined below.

The example below illustrates the difference between insurance costs with and without discounts applied to the policy premium. The prices are based on a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, vehicle safety, accident-free, claim-free, passive restraint, and anti-theft discounts applied. When drivers take advantage of discounts, theamount saved on insurance for teachers is 28% or $421.

The information below shows how choosing a deductible can raise or lower insurance premiums when researching cheap insurance for teachers. The data assumes a married female driver, comp and collision included, and no discounts are applied to the premium.

In the chart above, a 50-year-old driver could lower rates by $156 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $234 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, could lower their rates as much as $384 or even more by using a higher deductible.

If you do decide to increase your deductibles, it is a good idea to have enough savings to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Your low-price policy may be costing you money

Ohio insurance rates are based on many factors which can substantially change the price of coverage. Simply improving your credit, buying a different home, or getting a driving violation can produce rate changes resulting in some companies being more affordable than before.

In addition, companies file new rates as often as every quarter in order to protect their financial rating. A period of increased losses can cause increased rates, while a better loss history can produce lower-cost Cincinnati car insurance rates.

For instance, the graph below shows the company with the cheapest car insurance in Cincinnati, OH for a 30-year-old female driver with no accidents or violations, and great credit. When quoting prices based on her current risk factors, Utica National might offer the cheapest car insurance rates in Cincinnati at $828 each year. This is $212 less than the average policy premium paid by Ohio drivers of $1,040. Allied, Frankenmuth, Erie, and USAA are also on the list of the cheapest Cincinnati, OH auto insurance companies.

The chart below compares rates after we give the driver from the first example a claim, a lower credit rating, and a couple of points charged on her driving record. Since each auto insurer has a different formula to set premium rates, comparing prices most likely will result in a completely different list of affordable companies as shown below.

Merchants Insurance Group now has the cheapest price in Cincinnati with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual completing the list. This example shows why Cincinnati drivers need to compare as many rates as possible to find the most economical insurance rates for teachers. Rates can be determined by many risk factors and can increase or decrease at any time, so the best option the last time you shopped your coverage around may now be quite expensive.