It’s impossible to miss the ads from auto insurance companies like Liberty Mutual and State Farm claiming dirt cheap rates. So you should just choose any of them, right?
Regrettably, it’s not quite that easy, as there are a whole bunch of unknown aspects like the amount of coverage you want, the vehicle you are insuring, and what level of deductibles you need, that all go into determining the rate you pay. We are going to cover some of these things and will give you a good start in finding the cheapest insurance in Cincinnati.
The type of vehicle you are seeking coverage for is one of the main factors that determines whether or not you find the best cheap auto insurance for high mileage drivers. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models.
The table below features auto insurance costs for some of the most economical automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Chevrolet Silverado LS Regular Cab 4WD | $1,341 |
| Ford Escape XLS 2WD | $1,396 |
| Honda Accord LX-P 4-Dr Sedan | $1,404 |
| Honda CR-V EX-L 4WD | $1,426 |
| Ford Focus SEL 4-Dr Sedan | $1,491 |
| Toyota Corolla LE | $1,519 |
| Ford Edge SE 2WD | $1,537 |
| Toyota Prius | $1,544 |
| Jeep Grand Cherokee Limited 2WD | $1,547 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,557 |
| Ford Explorer XLT 2WD | $1,567 |
| Dodge Grand Caravan SE | $1,575 |
| Kia Optima EX | $1,649 |
| Ford F-250 XL 4WD | $1,674 |
| Ford F-150 FX2 2WD | $1,684 |
| Toyota Tacoma Double Cab 4WD | $1,693 |
| Chevrolet Impala LS | $1,737 |
| Honda Odyssey EX-L W/Navigation | $1,740 |
| GMC Sierra SLT Crew Cab 2WD | $1,770 |
| Chevrolet Malibu LTZ | $1,776 |
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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-vehicle, and multi-policy. Premium amounts do not factor in vehicle location which can change auto insurance rates substantially.
Based upon the rates shown, vehicles like the Chevrolet Silverado, Ford Escape, Honda Accord, Honda CR-V, and Ford Focus will definitely be the most budget-friendly vehicles to insure for high mileage drivers.
Trying to find budget insurance is not always easy, and determining which company offers the cheapest car insurance rates for high mileage drivers takes even more perseverance. Each company uses their own formula to determine premium rates, so we need to take a look at the car insurance companies with the overall cheapest rates in Cincinnati.
It’s important that readers know that Cincinnati car insurance rates are based on many factors which can significantly increase or decrease the price of your policy. This price variation is why it is critical to spend some time comparing rates when trying to find affordable insurance rates for high mileage drivers. Prices are made up of many factors and can change substantially, so the most economical company when you bought your policy may now be quite expensive.
Cheapest Insurance Rates in Ohio
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $647 |
| 2 | Erie | $687 |
| 3 | Allied | $690 |
| 4 | Frankenmuth | $708 |
| 5 | USAA | $733 |
| 6 | Travelers | $733 |
| 7 | Cincinnati Insurance | $749 |
| 8 | Merchants Insurance Group | $771 |
| 9 | Motorists Mutual | $800 |
| 10 | Grange Mutual | $812 |
| 11 | General Casualty | $837 |
| 12 | Central Mutual | $848 |
| 13 | Hastings Mutual | $884 |
| 14 | State Farm | $885 |
| 15 | Atlantic States | $904 |
| 16 | Westfield | $918 |
| 17 | Auto-Owners | $958 |
| 18 | Western Reserve | $961 |
| 19 | Progressive | $982 |
| 20 | Nationwide | $988 |
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Utica National may have some of the cheapest car insurance rates in Cincinnati at around $647 each year. Erie, Allied, Frankenmuth, and USAA are also some of the most economical Cincinnati, OH car insurance companies.
As the rates illustrate above, if you are insured with Frankenmuth and switched to Utica National, you may see yearly savings of around $61. Insureds with USAA could save as much as $86 a year, and Travelers insureds might see rate reductions of $86 a year.
To find cheaper insurance rates for your vehicle, click here to get a free quote or quote rates from the companies below.
Be aware that those prices are averaged across all insureds and vehicles and do not take into consideration an exact zip code location for high mileage drivers. So the company that fits your age and vehicle best may not even be in the top 33 companies in the list above. That underscores the importance of why you need to get auto insurance quotes using your own individual information.
Get discount Cincinnati car insurance
Car insurance companies that offer quotes for high mileage drivers may have price discounts that can lower rates by 40% or more if you meet eligibility requirements. A list of companies and some of their more popular discounts include:
- Farm Bureau has discounts for multi-policy, 55 and retired, youthful driver, good student, multi-vehicle, and renewal discount.
- MetLife policyholders can earn discounts including good driver, multi-policy, defensive driver, good student, claim-free, accident-free
- Progressive discounts include multi-policy, online signing, multi-vehicle, online quote discount, continuous coverage, and good student.
- AAA offers discounts for education and occupation, anti-theft, pay-in-full, good driver, good student, multi-policy, and multi-car.
- American Family includes discounts for multi-vehicle, defensive driver, bundled insurance, TimeAway discount, accident-free, mySafetyValet, and good student.
- GEICO offers discounts including five-year accident-free, military active duty, anti-theft, defensive driver, and driver training.
- State Farm may have discounts that include passive restraint, multiple policy, multiple autos, safe vehicle, Steer Clear safe driver discount, student away at school, and Drive Safe & Save.
The example below visualizes the comparison of insurance premiums with and without some available policy discounts. Data assumes a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with claim-free, vehicle safety, safe-driver, multiple policy, anti-theft, and multiple vehicle discounts applied. When discounts are factored in, the average amount saved each year on car insurance for high mileage drivers is 28% or $465.
Picking the top insurance company can be difficult considering how many companies there are in Ohio. The company rank data below can help you analyze which providers you want to consider when shopping car insurance rates for high mileage drivers.
The rankings below are for companies that write coverage in many states, so companies that may only write in Ohio are not taken into consideration for the list. If you wish to compare rates from these companies and more, 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 |
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Data Source: Insure.com Best Car Insurance Companies
Why you should shop around
Cincinnati car insurance rates are based on many factors which can significantly increase or decrease the price of coverage. Simply having a birthday, marrying your spouse, or having an accident can produce rate changes resulting in some rates now being affordable when they were higher priced. In addition to those changes, car insurance companies modify rates every year or even multiple times each year to help ensure profitability. A period of increased losses can cause additional price hikes, while a profitable period can result in more affordable Cincinnati car insurance rates.
For instance, the data below compares the cheapest car insurance in Cincinnati, OH for a 30-year-old male driver with a good driving record, no prior claims, and excellent credit. When comparing rates based on his current risk factors, Utica National offers the most affordable car insurance rates in Cincinnati at $787 annually. This is $253 less than the average price paid by Ohio drivers of $1,040. Allied, Erie, Frankenmuth, and USAA also make the list of the cheapest Cincinnati, OH auto insurance companies.
The example below compares rates after we give the driver in the first example an accident surcharge, bad credit, and a speeding citation. Since every insurance provider has their own guidelines for filing rates in each state, getting updated rate quotes could now result in a completely different list of cheap Cincinnati auto insurance companies as shown below.
Merchants Insurance Group now has the best auto insurance rate in Cincinnati with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual now being in the top five. This demonstrates why it is critical to compare many different companies to get cheap car insurance quotes for high mileage drivers. Rates are calculated by many things and can change without notice, so the most affordable company six months ago may now be wasting a lot of money.