Who Has the Cheapest Car Insurance Rates for Single Moms in Cincinnati?

Life would sure be easier if we could just tell you the company that has the most affordable coverage in Ohio. Regrettably, it’s not quite that easy, as there are many unknown factors like whether you are male or female, the level of liability coverage you want, if you have a tendency to get into accidents, and your age, that all go into determining the rate you pay. The content below covers some of these criteria and will hopefully give you a solid foundation to find cheaper car insurance.

The vehicle needing coverage is a significant factor that determines if you can find the best auto insurance for single moms. Vehicles with lots of horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models.

The next list presents insurance rates for a selection of the most affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Cincinnati, OH
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,196
Dodge Grand Caravan SE $1,340
Jeep Wrangler Rubicon 4WD 2-Dr $1,345
Ford Escape Limited 2WD $1,402
Toyota RAV4 Limited 4WD $1,412
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,440
Chevrolet Malibu LT $1,448
Honda CR-V LX 4WD $1,467
Hyundai Elantra SE Touring Station Wagon $1,487
Volkswagen Jetta SEL 4-Dr Sedan $1,514
Chevrolet Equinox LTZ AWD $1,524
GMC Sierra 3500HD SLE Regular Cab 2WD $1,541
Ford Edge SEL 2WD $1,593
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can modify coverage prices greatly.

Based upon the rates shown, you can assume that makes and models like the Honda Accord, Dodge Grand Caravan, Jeep Wrangler, and Ford Escape will be some of the most budget-friendly vehicles to insure for single parents.

For single parents, one of the largest things that determine the amount you pay each year for auto insurance is where you normally keep your vehicle in Cincinnati. Regions with more people or even just more weather-related claims are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.

The table below ranks the priciest cities in Ohio for single moms to buy auto insurance in. Cincinnati shows up at #4 costing $1,222 for the average policyholder, which is about $102 monthly.

Car insurance prices in Cincinnati
Rank City Annual Premium
1 Youngstown $1,247
2 Toledo $1,241
3 Cleveland $1,235
4 Cincinnati $1,222
5 Cleveland Heights $1,214
6 Columbus $1,199
7 Akron $1,169
8 Euclid $1,129
9 Dayton $1,120
10 Hamilton $1,102
11 Springfield $1,094
12 Canton $1,091
13 Fairfield $1,085
14 Middletown $1,066
15 Lakewood $1,063
16 Newark $1,053
17 Kettering $1,040
18 Mansfield $1,032
19 Beavercreek $1,016
20 Strongsville $1,011
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Information shown are comparative as zip code location can lower or raise prices considerably.

Types of discounts on Cincinnati insurance rates

Car insurance for single parents in Cincinnati, OHInsurers that offer coverage for single moms may also offer discounts that can lower rates by as much as 40% or more if you meet specific criteria. A list of companies and the discounts they provide are detailed below.

The example below visualizes the comparison of car insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, anti-theft, multiple policy, passive restraint, homeowner, and vehicle safety discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for single moms is 27% or $398.

Buying coverage from the top insurance provider can be rather challenging considering how many companies sell coverage in Cincinnati. The company information in the next section may help you pick which car insurance companies to look at purchasing coverage from. These ratings are only comprised of the largest auto insurers in America, so smaller companies that only insure vehicles in Ohio are not taken into consideration for these rankings.

Top 10 Major Auto Insurance Providers in Cincinnati Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

Top 10 Major Auto Insurance Providers 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

Full coverage rates compared to liability only

Paying less for car insurance is the goal of the majority of people, and an easy way to find cheaper insurance for single moms is to buy only liability coverage. The example below shows the difference between premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims, a clean driving record, $1,000 deductibles, drivers are single, and no policy discounts are applied.

As an average for all age groups, physical damage coverage costs an extra $961 per year more than just buying liability only. That is a significant amount which raises the question if you should buy full coverage at all. There is no specific rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.

Ideas for buying cheaper auto insurance for single moms

The list below summarizes some of the better thrifty solutions that can help you buy lower-cost coverage.

The last idea is very important, as was emphasized in the article above. Auto insurance rates can be modified anytime, so you should be ready to buy from a different company if a lower price can be found. Having a favorite company is great, but we do not recommend it if that loyalty results in overpaying potentially thousands of dollars a year. It only takes a couple minutes to compare prices to find cheaper insurance for single moms in Cincinnati.

The insurance agencies below can help you decide which coverages you need, as many consumers aren’t sure which coverage to buy and prefer to get some professional input when shopping around for cheaper insurance for single parents. It can be difficult to find the cheapest car insurance policy, and getting advice from a licensed Ohio insurance agent can provide you comfort knowing your policy gives you suitable coverage if you have an accident. To find a Cincinnati insurance agency near you, click the button at the bottom or click here to compare price quotes.

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