When you drive, there’s always risk. With car insurance, though, you are protected from financial responsibility in the event of an accident, theft or other events. Our partners at ConsumerAffairs researched the best car insurance in Cincinnati to help you select coverage that’s right for your needs and budget.
Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WCPO may receive compensation from our partners. Learn more.
How to choose a car insurance company in Cincinnati
In Cincinnati, it is illegal to drive a motor vehicle without proof of financial responsibility. To satisfy this requirement, lawful drivers purchase car insurance. Minimum coverage includes:
Bodily injury liability coverage in the amount of $25,000 per person injured in an accident and $50,000 for multiple injuries in an accident
Property damage liability coverage in the amount of $25,000 per accident
Kentucky also requires these liability coverages or a policy with a single limit of $60,000. Often, drivers in Cincinnati will purchase beyond the minimum liability amounts to protect their assets. They also buy other coverages that offer further security on the road:
Collision coverage pays for repairs to your vehicle after a collision with a vehicle or object (includes a deductible).
Comprehensive coverage pays for repairs after incidents like theft, fire, vandalism, glass breakage or an animal strike (includes a deductible).
Uninsured/underinsured motorist coverage protects you when an at-fault party has no insurance or doesn’t have enough to cover costs.
How much does car insurance in Cincinnati cost?
Fortunately for Ohio drivers, the state has among the lowest premiums in the country for car insurance: about $1,000 per year. The exact price you pay depends on many factors:
Coverage and deductible: You can personalize your policy with different coverages and amounts. The higher the deductible, the lower the premium.
Age: Older drivers have lower costs than younger, less experienced drivers.
Gender: Auto insurance is generally less expensive for women.
Driving record: If you’ve been in an accident or received a traffic ticket, rates will be higher.
Vehicle type: Expensive cars are more costly to repair, leading insurers to charge more.
Where in Cincinnati you live: Kentucky residents pay more than Ohio residents for car insurance.
When comparing car insurance companies in Cincinnati, look past just cost and build a policy that makes sense for your driving profile. Whether you get a quote from a direct seller, a national brand’s local agent or an independent agency, ask if all available discounts have been applied.
*InsuraMatch companies are in good standing with regulatory authorities, have been vetted and approved by InsuraMatch and are represented by InsuraMatch or its affiliates.
Progressive, one of the largest auto insurers in the U.S., is trusted by over 18 million drivers. Discounts start as soon as you get a quote, which takes about six minutes. Customers can easily compare coverages from different companies. Progressive also offers a Name Your Price Tool and the Snapshot program, which personalizes rates based on how you drive. Reviewers like the savings, fast claims process and available add-ons.
Car insurance from Liberty Mutual comes standard with a 12-month rate guarantee, 24/7 customer service and a lifetime repair promise. Plenty of discounts are available. The company also helps contribute to a fund to lower your deductible costs. Customers appreciate Liberty Mutual’s user-friendly website and the easy access to a quote.
The General has been insuring drivers across the U.S. for over 50 years. The company accepts most cars and drivers, even if you have a history of accidents, violations or poor credit. A brand new app gives customers more ways to pay, digital ID cards, a smooth claims process and on-demand support. According to reviews, The General is a great company for high-risk drivers, but prices can be on the higher side.
Dwyer Insurance is an independent agency based in Cincinnati that shops around for policies that meet individual customer needs. As a full-service provider licensed in Ohio, Kentucky and Indiana, the company helps with billing, policy changes, reviews, claims and client questions. Reviewers say Dwyer Insurance genuinely cares about its customers, praising its exemplary service and helpful expertise.
Cincinnatus Insurance LLC
Cincinnatus Insurance LLC is an independent agency providing customers with objective and thorough advice based on years of experience. The company has access to numerous car insurance companies and helps clients see through the fine print to understand coverage. Call the office directly or visit the website to get a policy review and comparison underway. Many customers give five-star reviews and recommend the agency to friends and family.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.