One of the many considerations that are looked at to help calculate the price you pay for insurance is where you normally keep your vehicle in Cincinnati. More populated areas tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.
The next table lists the most expensive cities in Ohio for welfare recipients to buy auto insurance in. Cincinnati is ranked #5 with an annual cost of $1,222 on average, which is approximately $102 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Columbus | $1,247 |
| 3 | Youngstown | $1,235 |
| 4 | Cleveland | $1,235 |
| 5 | Cincinnati | $1,222 |
| 6 | Cleveland Heights | $1,166 |
| 7 | Hamilton | $1,146 |
| 8 | Dayton | $1,142 |
| 9 | Euclid | $1,140 |
| 10 | Akron | $1,135 |
| 11 | Newark | $1,085 |
| 12 | Canton | $1,069 |
| 13 | Springfield | $1,061 |
| 14 | Middletown | $1,055 |
| 15 | Fairfield | $1,053 |
| 16 | Beavercreek | $1,047 |
| 17 | Strongsville | $1,041 |
| 18 | Lakewood | $1,041 |
| 19 | Kettering | $1,040 |
| 20 | Parma | $1,037 |
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Prices are comparative as specific Cincinnati garaging address can increase or decrease price quotes noticeably.
Trying to buy reasonably-priced car insurance is difficult, and deciding which company offers the most affordable insurance rates for welfare recipients will require more quotes for comparison. Each auto insurer uses slightly different criteria to establish rates, so let’s rank the insurance companies with the overall best prices in Cincinnati, OH.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $647 |
| 2 | Erie | $661 |
| 3 | Allied | $690 |
| 4 | Frankenmuth | $701 |
| 5 | Travelers | $726 |
| 6 | USAA | $741 |
| 7 | Merchants Insurance Group | $755 |
| 8 | Cincinnati Insurance | $772 |
| 9 | General Casualty | $805 |
| 10 | Motorists Mutual | $816 |
| 11 | Grange Mutual | $836 |
| 12 | Central Mutual | $848 |
| 13 | Hastings Mutual | $858 |
| 14 | State Farm | $894 |
| 15 | Westfield | $918 |
| 16 | Atlantic States | $940 |
| 17 | Progressive | $953 |
| 18 | Western Reserve | $970 |
| 19 | Nationwide | $988 |
| 20 | Auto-Owners | $988 |
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Utica National has some of the best car insurance rates in Cincinnati at around $647 per year. This is $393 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also make the cut as some of the cheaper Cincinnati, OH insurance companies.
As the example above demonstrates, if you currently have coverage with Travelers and switched to Erie, you could earn an annual savings of in the neighborhood of $65. Drivers with USAA might save as much as $80 a year, and Merchants Insurance Group policyholders might reduce prices by as much as $94 a year.
To get a fast rate comparison, click here to get a free quote or visit any of the low-priced companies below.
Be aware that those rates are averages for all insureds and vehicles and do not factor in a vehicle location for welfare recipients. So the car insurance company that is most affordable for your situation may not even be in the top 33 companies shown above. That illustrates why you need to get auto insurance quotes using your own personal information and vehicle type.
How violations and accidents impact rates
In a perfect world, the ideal way to get the best insurance prices in Ohio for drivers on welfare is to be a good driver and avoid tickets and accidents. The diagram below demonstrates how citations and at-fault fender-benders influence auto insurance costs for different age groups. The data assumes a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
In the previous chart, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $929. Get one speeding ticket and the average cost rises to $1,079, an increase of $150 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for welfare recipients jumps again to an average of $2,382. That’s an increase of $1,453, or $121 per month, just for being a little careless behind the wheel!
Get discount Cincinnati insurance rates
Car insurance companies that provide policies for welfare recipients could also offer price discounts that can lower rates by as much as 30% if you are eligible. Companies and a summarized list of policyholder discounts are shown below.
- Travelers may include discounts for early quote, multi-policy, save driver, IntelliDrive, multi-car, and payment discounts.
- 21st Century has savings for anti-lock brakes, 55 and older, driver training, theft prevention, early bird, homeowners, and automatic seat belts.
- State Farm has discounts for multiple policy, Drive Safe & Save, accident-free, defensive driving training, student away at school, passive restraint, and multiple autos.
- GEICO offers premium reductions for multi-vehicle, driver training, military active duty, emergency military deployment, daytime running lights, anti-theft, and seat belt use.
- SAFECO discounts include anti-theft, teen safety rewards, bundle discounts, teen safe driver, homeowner, drive less, and safe driver.
- AAA may have discounts that include education and occupation, multi-policy, multi-car, pay-in-full, anti-theft, and good driver.
The chart below visualizes the comparison of insurance premiums with and without discounts. The rates are based on a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, claim-free, multiple vehicle, marriage, safe-driver, and defensive driving course discounts applied. When discounts are applied, the average savings per year on insurance for welfare recipients is 28% or $421.
The benefits of price comparisons
Ohio insurance rates are calculated based on many things that will increase or decrease the price of coverage. Simply having another birthday, marrying your spouse, or getting a ticket for running a stop sign can trigger price changes that may make certain companies cheaper than before. In addition, insurers amend pricing as needed to help ensure profitability. Higher than normal claim frequency or severity may result in higher priced premiums, while lower claim levels can cause more affordable Cincinnati car insurance rates.
To help illustrate this point, the bar chart below demonstrates which company has the cheapest car insurance in Cincinnati, OH for a 35-year-old female driver with no prior claims, no tickets, and a good credit rating. If we compare prices based on her current risk factors, Utica National quotes the best car insurance rates in Cincinnati at $803 a year. This is $237 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA are the remaining best Cincinnati, OH auto insurance companies.
In the next rate comparison, we’ll give the driver from above a claim surcharge, a little lower credit rating, and a stop sign violation. Because each insurer uses their own formula for filing rates in each state, analyzing rates most likely will result in a different set of companies as shown below.
Merchants Insurance Group now has the best price in Cincinnati, OH with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty also being competitive. This shows why it is critical to take the time to shop around to find cheap car insurance rates for welfare recipients. Insurance rates are calculated by many risk factors and can increase or decrease at any time, so the best company a year ago may now be costing you a lot of money.
If you aren’t clear which coverage you need and would like to have some professional guidance when comparing insurance rates for welfare recipients, the agents below can help you determine which policy fits your needs best. To locate an agency close to you, click the button below the list.
- Kristen Jackson – State Farm Insurance Agent
8952 Winton Rd – Cincinnati, OH 45231 – (513) 681-6400 - United Heartland Insurance Agencies
6701 Ruwes Oak Dr – Cincinnati, OH 45248 – (513) 896-5555 - Dennis Howard – State Farm Insurance Agent
309 W Kemper Rd – Cincinnati, OH 45246 – (513) 771-1436 - Hettesheimer Insurance Agency Inc.
3254 Montana Ave #1000 – Cincinnati, OH 45211 – (513) 661-7581 - Scott Clark – State Farm Insurance Agent
3011 W Galbraith Road – Cincinnati, OH 45239 – (513) 931-9292
View more Cincinnati, OH insurance agencies
How to find economical insurance for welfare recipients
It is possible to find better rates, and here are many penny-pinching suggestions that can help Cincinnati drivers find lower-cost auto insurance.
- Increase your policy deductibles
- Buy a car with high safety ratings
- Good credit can mean cheaper rates
- Maintain a safe distance and avoid accidents
- Do not get tickets
- Shop around for cheaper prices
That final tip is notably valuable, as we emphasized in this article. Auto insurance prices can change considerably in a year, so don’t be unwilling to switch carriers if a lower-cost policy is available.
Staying with the same company for years is fine, but is isn’t recommended if your bullheadedness ends up costing you lots of money. In just a couple of minutes you could compare rates and find cheaper insurance for welfare recipients in Cincinnati.