Who Has the Cheapest Auto Insurance for 19 Year Olds in Cincinnati?

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For teenage drivers, one of the largest criteria that determine insurance cost is where you keep your car in Cincinnati. Cities with more crime and/or more people will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.

The next table shows the highest-priced places in Ohio for 19 year olds in which to purchase auto insurance. Cincinnati is ranked at #5 with an annual cost of $1,210 for the average policy, which is approximately $101 each month.

How much does car insurance cost in Cincinnati, OH?
Rank City Premium Per Year
1 Toledo $1,279
2 Cleveland $1,259
3 Youngstown $1,247
4 Columbus $1,247
5 Cincinnati $1,210
6 Euclid $1,175
7 Cleveland Heights $1,166
8 Dayton $1,154
9 Hamilton $1,135
10 Akron $1,123
11 Springfield $1,072
12 Middletown $1,066
13 Fairfield $1,063
14 Lakewood $1,063
15 Canton $1,058
16 Newark $1,053
17 Beavercreek $1,047
18 Cuyahoga Falls $1,037
19 Mansfield $1,022
20 Kettering $1,020
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Information shown are approximated as the specific zip code location can raise or lower coverage prices substantially.

The make and model of vehicle needing coverage is probably the most important factor that determines if you can find the most affordable coverage for 19 year olds. Vehicles with higher performance, poor safety ratings, or a high likelihood of having liability claims will cost significantly more to insure than more modest models. The table below showcases coverage premiums for a number of the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure in Cincinnati, OH
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 4WD $3,386
Honda CR-V EX-L 4WD $3,391
Honda Accord EX-L 4-Dr Sedan $3,622
Toyota Prius $3,663
Ford F-150 STX Regular Cab 2WD $3,697
Toyota Tacoma 2WD $3,933
Ford Edge SEL AWD $3,939
Chevrolet Equinox LT AWD $3,974
Dodge Grand Caravan Hero $3,979
Volkswagen Jetta LE 4-Dr Sedan $3,974
Jeep Grand Cherokee Laredo 4WD $3,982
Toyota RAV4 Limited 2WD $3,974
Ford Explorer Limited 4WD $4,014
Dodge Ram Quad Cab ST 2WD $4,043
Jeep Wrangler Unlimited Sport 2WD 4-Dr $4,046
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Data assumes single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in specific Cincinnati, OH garaging location which can influence coverage prices substantially.

Looking at the numbers, you can expect cars like the Ford Escape, Honda CR-V, Honda Accord, Toyota Prius, and Ford F-150 are most likely going to be some of the cheaper vehicles to insure for teenage drivers. Prices will be higher anyway because there is more liability risk for 19 year olds, but in general those specific models will have the lowest prices compared to other vehicles.

Determining which companies have the best auto insurance rates for 19 year olds involves a tad more effort in order to find the most economical policy. Each insurer uses a slightly different approach to set policy rates, so to begin we'll rank the overall cheapest auto insurance companies in Ohio.

It's important to know that Cincinnati auto insurance rates are based on many factors which can substantially change the price you have to pay. Getting older, marrying your spouse, or getting a few speeding tickets may cause policy rate changes that may make certain companies cheaper than before.

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Utica National quotes some of the best car insurance rates in Cincinnati at around $635 per year. This is $405 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also rank well as some of the cheaper Cincinnati, OH car insurance companies.

In the above example, if you currently have a policy with Erie and switched to Utica National, you could see a yearly price reduction of approximately $32. Ohio drivers with Allied may save as much as $41 a year, and Frankenmuth insureds might see rate reductions of $45 a year.

To compare your rates to other Ohio insurance companies, click here to start your custom quote or quote prices from the following companies.

Bear in mind that those prices are averages across all insureds and vehicles and and are not figured with an exact zip code location for 19 year olds. So the car insurance company that can offer you the best rate may not even be in the top 33 companies shown above. That point stresses why you need to get auto insurance quotes using your own driver and vehicle profiles.

Poor driving habits will raise your auto insurance rates

The common sense way to enjoy the cheapest auto insurance rates in Cincinnati for teenage drivers is to drive safe and not receive tickets or have accidents. The diagram below shows how traffic citations and accidents can influence annual premium costs for different age categories. The costs are based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

In the previous chart, the average cost of an auto insurance policy in Ohio per year with no violations or accidents is $1,242. Get one speeding ticket and the average cost swells to $1,406, an increase of $164 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for 19 year olds jumps again to an average of $1,867. That's an increase of $626, or $52 per month, just for not paying attention while driving!

Selecting the best auto insurance company can be rather challenging considering how many choices there are in Cincinnati. The rank data in the lists below can help you select which coverage providers to look at when buying insurance for 19 year olds.

These rankings are only made up of the largest auto insurers in America, so smaller companies will not be included in these rankings. To compare rates from these and other competitive companies, click here.

Best Auto Insurance Companies for 19 Year Olds 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
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Ideas to find economical car insurance for 19 year olds

The list below details some money-saving suggestions that can help Cincinnati drivers buy lower-cost car insurance.

The last item on the list is very vital, as was affirmed in this piece. Prices charged by companies change a lot, so drivers shouldn't hesitate to change to a new company if a more affordable price is available.

We understand brand loyalty, but we do not recommend it if that loyalty results in overpaying lots of money. Take a couple minutes and compare prices and find cheaper car insurance for 19 year olds in Cincinnati.

The Cincinnati, OH, insurance agents below can most likely aid you in deciding which insurance coverage you need, since some drivers wish to have some advice when comparing insurance rates for teenage drivers. It can be hard to find the best rates on your own, and agents can provide you peace of mind knowing your policy gives you adequate asset protection. To locate a Cincinnati auto insurance agent close to you, click the button after the list or click here to compare prices now.

Huesman Schmid Insurance Agency, Inc
5670 Cheviot Rd - Cincinnati, OH 45247 - (513) 521-8590

CMS Insurance Inc
2756 Erie Ave - Cincinnati, OH 45208 - (513) 321-2000

Htt Agency
5879 Cheviot Rd - Cincinnati, OH 45247 - (513) 741-2100

Letitia Fulkerson - State Farm Insurance Agent
882 Ohio Pike - Cincinnati, OH 45245 - (513) 752-2144

More Cincinnati, OH insurance agents