Erie offers the cheapest auto insurance quotes in Cincinnati, Ohio, based on our survey of the city’s top providers. Erie’s average rate for minimum-coverage auto insurance is $33 a month, while its average rate for full-coverage insurance is $79 a month.
While shopping for car insurance in Cincinnati, don’t just get quotes from Erie. Get and compare quotes from State Farm, Progressive and Grange, too. These companies also offer cheap car insurance to Cincinnati drivers, according to our research.
In this article
Who has the cheapest car insurance in Cincinnati?
Erie has the cheapest car insurance for Cincinnati drivers looking for minimum-coverage policies at an average monthly rate of $33.
State Farm, Progressive and GEICO also offer cheap minimum-coverage car insurance rates to Cincinnati drivers that are lower than the city average of $62 a month.
| Company | Monthly rate |
|---|---|
| Erie | $33 |
| State Farm | $44 |
| Progressive | $47 |
| GEICO | $59 |
| City average | $62 |
| Nationwide | $73 |
| Allstate | $88 |
| Grange | $91 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage car insurance meets the state’s requirements for liability car insurance coverage.
Erie is the best company for cheap full-coverage car insurance in Cincinnati, too, with an average monthly rate of $79.
GEICO, Grange and State Farm are good options here as well, offering rates that are cheaper than the city average of $123 a month.
| Company | Monthly rate |
|---|---|
| Erie | $79 |
| State Farm | $89 |
| Grange | $96 |
| GEICO | $114 |
| Progressive | $125 |
| Nationwide | $152 |
| Allstate | $205 |
| City average | $123 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance includes collision and comprehensive coverages as well as liability coverage. We recommend full coverage to drivers who have newer or expensive vehicles. You may need to buy it if you finance or lease your vehicle.
Compare rates from top auto insurance companies
Cheap car insurance in Cincinnati by driving record
State Farm has the cheapest car insurance quotes for Cincinnati drivers who have a DUI on their records, offering an average monthly rate of $97.
Having a DUI on your record in Cincinnati increases your car insurance cost by 57%, according to our data, from an average of $123 a month to $193.
| Company | Monthly rate |
|---|---|
| State Farm | $97 |
| Erie | $118 |
| Grange | $137 |
| Progressive | $144 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Erie is your best car insurance option in Cincinnati after an accident, offering an average monthly rate of $98 in this situation.
State Farm also offers cheap car insurance to Cincinnati drivers after an accident at an average rate of $106 a month, so don’t ignore it when shopping for coverage.
| Company | Monthly rate |
|---|---|
| Erie | $98 |
| State Farm | $106 |
| Grange | $155 |
| Progressive | $192 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Erie and State Farm are the cheapest car insurance companies in Cincinnati for drivers with a speeding ticket. Erie’s average rate for drivers with a speeding ticket is $79 a month, while State Farm’s average rate is $97 a month.
| Company | Monthly rate |
|---|---|
| Erie | $79 |
| State Farm | $97 |
| Grange | $142 |
| GEICO | $144 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A speeding ticket on your record in Cincinnati increases your auto insurance cost by 24%, our data shows, from an average of $123 a month to $153.
Where can I get cheap car insurance in Cincinnati for teen drivers?
For cheap car insurance in Cincinnati as a teen driver, get a quote from Erie, which offers minimum coverage for an average monthly rate of $79.
Erie also has the cheapest full-coverage car insurance rates for Cincinnati teens at $193 a month, on average.
| Company | Monthly rate |
|---|---|
| Erie | $79 |
| State Farm | $142 |
| Progressive | $157 |
| GEICO | $176 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teen drivers pay higher rates for car insurance for several reasons, with one of them being that teens are more likely to be involved in accidents than older, more experienced drivers.
| Company | Monthly rate |
|---|---|
| Erie | $193 |
| Grange | $204 |
| State Farm | $291 |
| GEICO | $354 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If possible, get added to a parent’s car insurance policy rather than buying your own. This can save you a lot of money in car insurance costs. If you need to buy your own policy, look for discounts and compare quotes from multiple companies before you settle on one.
Where can I get cheap car insurance in Cincinnati for senior drivers?
Senior drivers looking for cheap auto insurance quotes in Cincinnati should look to Erie first, as the company’s average monthly rate for minimum coverage is just $32.
Get and compare quotes from Progressive and State Farm, too, as both companies offer average rates of $42 a month to seniors looking for minimum-coverage car insurance.
| Company | Monthly rate |
|---|---|
| Erie | $32 |
| Progressive | $42 |
| State Farm | $42 |
| Nationwide | $63 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Erie, Progressive and State Farm are also the best and cheapest full-coverage car insurance options for Cincinnati seniors. All three companies offer rates that are cheaper than the city average of $113 a month. Erie has the cheapest average rate here at $76 a month.
| Company | Monthly rate |
|---|---|
| Erie | $76 |
| State Farm | $83 |
| Progressive | $99 |
| Grange | $100 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Senior drivers often pay lower rates for car insurance than younger drivers do, thanks in part to the fact that they have a lot of experience behind the wheel.
What are Cincinnati’s car insurance requirements?
Ohio law requires all drivers in Cincinnati and elsewhere in the state to have 25/50/25 car insurance at a minimum. This means all policies must include at least the following amounts of liability coverage:
- $25,000 for the injury or death of one person
- $50,000 for the injury or death of two or more people
- $25,000 for property damage in an accident
State law doesn’t require Ohio drivers to have collision or comprehensive car insurance coverage, but you should consider getting it anyway if your vehicle is newer or still worth a lot of money.
Frequently asked questions about Cincinnati car insurance
How much is car insurance in Cincinnati?
The average cost of car insurance in Cincinnati is $62 a month if all you need or want is minimum coverage. For Cincinnati drivers looking for full-coverage car insurance, the average cost is $123 a month.
You may pay more or less than these amounts for car insurance depending on your age, your driving record, the make and model of the car you drive and several other factors.
Who has the cheapest car insurance in Cincinnati?
Erie has the cheapest car insurance in Cincinnati, offering minimum-coverage policies for $33 a month, on average, and full-coverage policies for $79 a month.
Erie also has the cheapest car insurance rates in Cincinnati for teen and senior drivers. It offers the cheapest quotes for drivers with accidents or tickets on their records, too.
State Farm is the cheapest car insurance company in Cincinnati for drivers with a DUI on their records, based on our data.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Cincinnati ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Ohio’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
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