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.
| 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.
| 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.
Find the Cheapest Auto Insurance for Teens
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.
| 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.
- Improve your credit rating
- Do not file small claims
- Assess whether full coverage is needed
- Insure your home and auto with the same company
- Increase your comprehensive and collision deductibles
- Buy vehicles with good safety ratings
- Keep rates low by shopping around frequently
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