You have seen the ads from car insurance companies like Liberty Mutual and Farmers that promise huge savings, so drivers should just pick the company with the cutest commercial, right?
It’s not that simple, unfortunately, as there are a lot of unknown factors like how much you actually drive in a year, your credit history, your date of birth, and whether you want full coverage, that all impact the cost of your policy. We will try to teach you about the best ways to avoid high prices and hopefully give you enough understanding to have a good start in finding the cheapest insurance in Cincinnati.
One of the more important criteria that aid in calculating car insurance rates is where your car is garaged. Regions with more people or even just more weather-related claims likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The table below lists the highest-priced places in Ohio for uninsured drivers in which to purchase auto insurance. Cincinnati is listed at #6 having an annual price of $1,174 for car insurance, which is approximately $98 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Columbus | $1,247 |
| 2 | Toledo | $1,241 |
| 3 | Youngstown | $1,235 |
| 4 | Cleveland | $1,222 |
| 5 | Cleveland Heights | $1,202 |
| 6 | Cincinnati | $1,174 |
| 7 | Dayton | $1,142 |
| 8 | Akron | $1,135 |
| 9 | Euclid | $1,129 |
| 10 | Hamilton | $1,102 |
| 11 | Newark | $1,095 |
| 12 | Springfield | $1,072 |
| 13 | Beavercreek | $1,058 |
| 14 | Canton | $1,058 |
| 15 | Fairfield | $1,053 |
| 16 | Parma | $1,037 |
| 17 | Lakewood | $1,031 |
| 18 | Middletown | $1,024 |
| 19 | Kettering | $1,020 |
| 20 | Lorain | $1,015 |
| 21 | Strongsville | $1,011 |
| 22 | Mentor | $1,008 |
| 23 | Cuyahoga Falls | $1,007 |
| 24 | Mansfield | $1,002 |
| 25 | Elyria | $975 |
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Rate information is comparative as specific Cincinnati garaging address can alter prices considerably.
The make and model of vehicle you are buying coverage for is probably the biggest factor when comparing the best cheap insurance for uninsured drivers. Vehicles with limited speed and performance, a great safety record, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models. The table below shows coverage prices for some of the most economical automobiles to insure in Ohio.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,218 |
| Honda CR-V EX-L 2WD | $1,246 |
| Toyota Prius | $1,349 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,424 |
| Chevrolet Equinox LT 2WD | $1,444 |
| Ford Explorer Eddie Bauer AWD | $1,471 |
| Ford F-150 Lariat Super Cab 4WD | $1,476 |
| Toyota Camry XLE | $1,519 |
| Honda Odyssey EX-L W/Navigation | $1,527 |
| Kia Optima LX | $1,547 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,599 |
| Ford Focus SE 4-Dr Sedan | $1,624 |
| Ford Edge SE AWD | $1,629 |
| Honda Accord EX-L 2-Dr Coupe | $1,649 |
| Toyota Camry Hybrid | $1,654 |
| GMC Sierra Denali Crew Cab 2WD | $1,649 |
| Chevrolet Malibu LS | $1,654 |
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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 multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate information does not factor in Cincinnati, OH location which can influence insurance rates noticeably.
Looking at the numbers, models like the Ford Escape, Honda CR-V, and Toyota Prius will definitely be some of the cheaper vehicles to insure for drivers with no prior coverage.
Deciding which company quotes the best insurance rates for uninsured drivers involves a little more work in order to find the best policy. Each auto insurer has a proprietary formula to establish rates, so we need to take a look at the insurance companies with the overall best prices in Cincinnati, OH.
Find Cheaper Auto Insurance in Ohio
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $654 |
| 2 | Erie | $667 |
| 3 | Allied | $690 |
| 4 | Frankenmuth | $708 |
| 5 | USAA | $719 |
| 6 | Travelers | $726 |
| 7 | Cincinnati Insurance | $756 |
| 8 | Merchants Insurance Group | $771 |
| 9 | Motorists Mutual | $800 |
| 10 | General Casualty | $813 |
| 11 | Grange Mutual | $836 |
| 12 | Central Mutual | $848 |
| 13 | Hastings Mutual | $884 |
| 14 | State Farm | $894 |
| 15 | Westfield | $908 |
| 16 | Atlantic States | $940 |
| 17 | Auto-Owners | $958 |
| 18 | Western Reserve | $961 |
| 19 | Progressive | $962 |
| 20 | Nationwide | $998 |
| Find Your Rate Go | ||
Utica National normally has some of the best car insurance rates in Cincinnati at around $654 per year. This is $386 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA also rank well as some of the cheaper Cincinnati, OH auto insurance companies.
In the above rates, if you currently have coverage with USAA and switched to Erie, you could see a yearly savings of around $52. Drivers with Travelers may save as much as $59 a year, and Cincinnati Insurance customers might lower prices by $89 a year.
To see if you’re overpaying, click here or visit any of the low-priced companies below.
Be aware that those premiums are averaged across all types of drivers and the different vehicles they drive and do not factor in an exact vehicle garaging location for uninsured drivers. So the auto insurance company that has the cheapest price for you may not even be in the top 33 companies in the list above. That’s why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
Violations and accidents raise rates
The recommended way to snag the best insurance premiums in Ohio for drivers with no prior coverage is to drive cautiously and avoid traffic citations and accidents. The information below illustrates how traffic citations and fender-benders drive up insurance costs for each age group. The premiums assume a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of auto insurance in Cincinnati per year with no accidents and a clean driving record is $1,141. Get two speeding tickets and the average cost hikes up to $1,529, an increase of $388 each year. Now add in one accident along with the two speeding tickets and the yearly cost of insurance for uninsured drivers increases to an average of $1,914. That’s an increase of $773, or $64 per month, just for a couple of infractions!
Discounts on Cincinnati car insurance rates
Car insurance companies that provide coverage for uninsured drivers may also give you premium discounts that can reduce rates by as much as 35% if you meet the requirements. Popular insurance companies and some of the discounts can be read below.
- GEICO offers discounts for federal employee, emergency military deployment, anti-lock brakes, good student, seat belt use, five-year accident-free, and military active duty.
- MetLife includes discounts for accident-free, good driver, multi-policy, defensive driver, claim-free, good student
- State Farm may have discounts that include defensive driving training, safe vehicle, multiple policy, Steer Clear safe driver discount, multiple autos, accident-free, and student away at school.
- Progressive may offer discounts for multi-policy, multi-vehicle, continuous coverage, good student, homeowner, online signing, and online quote discount.
- Mercury Insurance has discounts for multi-car, annual mileage, age of vehicle, ease of repair, and low natural disaster claims.
- 21st Century has savings for 55 and older, homeowners, teen driver, automatic seat belts, air bags, and student driver.
- Allstate may include discounts for anti-lock brakes, resident student, passive restraint, premier plus, new car, and premier discount.
The example below illustrates the comparison of auto insurance rates with and without some available policy discounts. The costs are based on a female driver, no accidents, no driving violations, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with safe-driver, defensive driving course, vehicle safety, marriage, accident-free, and passive restraint discounts applied. When discounts are factored in, the average savings per year on insurance for uninsured drivers is 27% or $253.
Ohio insurance companies
Finding a high-quality insurer is hard considering how many companies sell coverage in Ohio. The company ratings shown below can help you select which auto insurers you want to consider when buying insurance for uninsured drivers.
These ratings are only comprised of the companies with a significant amount of written premium nationwide, so companies that focus mainly on Ohio business are not included in this list. If you would like to check rates from these companies and more, click this link.
Top 10 Large Auto Insurance Providers in Cincinnati Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Top 10 Large Auto Insurance Providers in Cincinnati Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
Why you are probably overpaying for car insurance
Ohio insurance rates are influenced by many factors which can substantially change the price you pay for coverage. Improving your credit score, increasing deductibles, or getting into an accident may prompt premium changes that can cause some rates to be affordable when they were higher priced. In addition to those changes, car insurance companies modify pricing every year in order to be able to pay unexpected claims. Larger than normal claims can cause additional price hikes, while lower claim levels can result in more affordable Cincinnati car insurance rates.
To help illustrate this point, the data below shows which companies have the cheapest car insurance in Cincinnati, OH for a 35-year-old female driver with no accidents, a clean driving record, and excellent credit. Based on her personal risk profile, Utica National offers the best car insurance rates in Cincinnati at $811 annually. This is $229 less than the average price paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and USAA are also included in the best Cincinnati, OH auto insurance companies.
Now let’s give the driver from the above example a claim or two, bad credit, and a few traffic violations. Due to the fact that each insurance company has a different formula for setting prices, comparing insurance quotes will most likely result in a substantially altered list of companies as shown below.
Cincinnati Insurance now has the cheapest car insurance in Cincinnati, OH with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty completing the list. This illustrates why it is crucial to take the time to shop around when trying to find affordable insurance quotes for uninsured drivers. Rates are determined by many risk factors and can decrease or increase without notice, so the cheapest company when you last compared rates may now be priced much higher than other options.