best car policy Cincinnati
2022
The Cheapest and Best Car Insurance in Cincinnati
The Cheapest Car Insurance Companies in Cincinnati
If you are looking for a full coverage policy in Cincinnati, the most low-cost insurers are :
- GEICO: $576 average per year
- Erie: $594 average per year
If you are a veteran or serve in the military, USAA is the most low-cost choice for a full coverage policy at $ 508 per class. Esurance, the most expensive option, costs $ 1,004 annual, which is 42 % more than GEICO, the cheapest, no-restriction option. A full-coverage policy includes comprehensive and collision indemnity that covers damage to your vehicle ; rates may vary depending on how a lot liability indemnity you select .
Cheapest Car Insurance in Cincinnati
Full Coverage 100/300/100 MoneyGeek obtained quotes for a 40-year-old male driver in Cincinnati with a full coverage policy, as described in our methodology. A entire coverage policy in Cincinnati has comprehensive and collision policy plus the minimum liability coverage required by police. The add coverages for your vehicle make full coverage cost more than a minimal coverage policy :
- Comprehensive insurance: it covers non-collision-related damage.
- Collision insurance: it covers damage as a result of a collision with a vehicle or object.
Full coverage may not always be the best option if you have an older cable car since the cost of the policy may exceed the value of your cable car .
Compare Car Insurance Rates in Cincinnati
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Cheapest Car Insurance in Cincinnati for Minimum Coverage
The cheapest cable car indemnity in Cincinnati is a minimum liability policy. The cheapest companies for a minimal coverage policy, on average, in Cincinnati are :
- Erie: $271 per year
- State Farm: $331 per year
USAA is the cheapest option if you are in the military at $ 243 annual. Esurance, the most expensive, is $ 512 more than Erie, the cheapest, open-to-all minimum coverage policy. A minimum coverage policy costs less annual, but the tradeoff is limited coverage ; you don ’ t have collision or comprehensive examination insurance, and liability limits are gloomy, affecting how protected you are in an accident. You can use the table below to see how prices change for higher liability coverage .
Cheapest Minimum Liability Car Insurance in Cincinnati
department of state Minimum The cheapest car indemnity you can buy in Cincinnati is a state minimum policy. It includes the minimal indebtedness limits required by Ohio laws, 25/50/25. That means you have limited coverage and may have to pay out of scoop if you cause an accident. For exemplify, if your minimal coverage policy has $ 25,000 in bodily injury and the other driver ’ s aesculapian bills are $ 40,000, you pay $ 15,000 .
Ohio Minimum Liability Requirements
- item description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property wrong. A more protective grade is 100/300/100 .
Cheapest Car Insurance in Cincinnati if You Have Driving Violations
If you have a rape such as a DUI, ticket or at-fault accident on your record, you pay more for car policy in Cincinnati. For drivers with violations, the most low-cost insurance companies in Cincinnati are :
- Cheapest after a ticket: Erie, $620 average per year
- Cheapest after an at-fault accident: American Family, $721 average per year
- Cheapest after a DUI: State Farm, $720 average per year
USAA has low-price options after a tag, accident or DUI for military members. If you have a trespass, improving your drive commemorate over time can help you get better car policy rates. Until then, compare quotes from different insurers to find the most low-cost insurers with a irreverence .
Cheapest Car Insurance in Cincinnati With a Violation
Speeding ticket
Average Cost of Car Insurance in Cincinnati
Cincinnati
$792
Ohio
$803
U.S.
$1,424
As mentioned earlier, car insurance rates vary from state to express. average car insurance rates in Cincinnati are importantly lower than most early american cities. The modal annual cost for car coverage in the city is just $ 792, which is about 45 % cheaper than the national median of $ 1,424. The state modal for Ohio is not besides far off, as it is alone $ 11 higher than Cincinnati ’ mho typical rate. Of path, these are estimates based on data from multiple car insurance companies in Cincinnati. individual company rates still vary based on your profile and insurance needs.
Personalized Quotes to Get You the Cheapest Car Insurance in Cincinnati
several factors are considered by indemnity companies when they build your personal profile. Among the most noteworthy include your location, drive records, experience and possible drive risks. All of this information is pooled together to assess the likelihood of you being involved in accidents. The higher your risk, the more expensive your premium. bum car indemnity in Cincinnati, of path, is more likely if you have a clean record. These factors vary from person to person and may change over time. As such, it is important for you to get car policy quotation mark comparisons regularly. Circumstances change and it ’ s in your best interest to make the most out of these .
Compare Car Insurance Rates in Cincinnati
see you ‘re getting the best rate for your car indemnity. Compare quotes from the top indemnity companies. widget-location-pin
The Best Car Insurance Companies in Cincinnati
If you are looking for the best balance of quality service and affordability, MoneyGeek ranked the best indemnity companies in Cincinnati. The best car policy providers in Cincinnati for most drivers are :
- Erie: MoneyGeek score of 95 out of 100
- Hartford: MoneyGeek score of 88 out of 100
USAA received the highest MoneyGeek score among insurers in Cincinnati, but it is not listed as best overall since it is only available to military members, veterans and their families. If you are eligible, USAA is a great company. To calculate these final examination scores, MoneyGeek analyzed several data points, including J.D. Power ’ s customer satisfaction scores, affordability and fiscal constancy ratings .
1
USAA
seduce :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
Erie
score :
95
5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A+ fiscal constancy 3
Hartford
score :
87.5
3/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 4
Auto-Owners Insurance Co
score :
87.5
3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 5
GEICO
score :
87.5
5/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 6
Cincinnati Insurance Companies
score :
87.5
3/5 Affordability 5/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 7
Country Financial
score :
85
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy 8
State Farm
grudge :
85
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 9
Nationwide
score :
82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10
Esurance
score :
82.5
4/5
Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 11
Grange
score :
80
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 12
Progressive
seduce :
80
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 13
Allstate
mark :
80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 14
American Family
mark :
80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 15
Travelers
score :
80
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 16
MetLife
sexual conquest :
80
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 17
Farmers
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 18
Hanover
grade :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 19
Liberty Mutual
score :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 20
AAA
score :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 21
Safeco
score :
72.5
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy
Average Cost of Car Insurance by Postal Code
Your ZIP code besides factors into your car indemnity costs. This is because some neighborhoods have higher rates of accidents, thefts or uninsured motorists. fortunately, for Cincinnati, ZIP code differences don ’ thyroxine impact costs that much. The difference between the most and least expensive neighborhoods in this city is merely $ 33. This swerve is besides seen for other Ohio cities like Columbus and Toledo .
- Zip Code State Minimum
per year
- 45211
$777
- 45231
$787
- 45238
$810
Factors That Impact Insurance Costs in Cincinnati
In accession to individual driver needs and history, location-specific factors like the share of uninsured motorists and the pace of car thefts besides contribute to car indemnity rates in Cincinnati. How cincinnati ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .
Most Accidents With Fatalities
80th
/ 300
Most cable car Thefts
53rd
/ 300
Most uninsured Motorists by State
22nd
/ 50
personal Injury Protection Required No
Most annual rain
101st
/ 300
Most showery Days
43rd
/ 300
Methodology and Assumptions
MoneyGeek ’ south median premium rates for Cincinnati are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, placement and repel read. Learn more about MoneyGeek ’ south data and methodology here. About the generator
Mark Fitzpatrick is a senior subject coach with MoneyGeek specializing in policy. Mark has years of have analyzing the indemnity marketplace and creating master research and contentedness. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .