Car Insurance in Cincinnati, OH (2025 Rates + Comparisons)

How much will car insurance cost in Cincinnati? We analyze six different automotive segments to find the vehicles with cheap Cincinnati car insurance quotes.

Start a Free QuoteCompare Cincinnati car insurance quotes and save on your next policy.

What is average car insurance cost in Cincinnati?

The average cost of car insurance in Cincinnati is $2,042 per year, which is 8.4% less than the U.S. average rate of $2,221. The average cost of car insurance per month in Cincinnati is $170 for a policy that provides full coverage.

The average price for car insurance in Ohio is $1,948 per year, so Cincinnati drivers pay an average of $94 more per year than the overall Ohio state-wide average rate. The average cost to insure a vehicle in Cincinnati compared to other Ohio locations is around $46 per year cheaper than in Cleveland, $40 per year cheaper than in Toledo, and $16 per year more than in Columbus.

The chart below summarizes average auto insurance cost in Cincinnati, OH, broken out for a variety of driver ages, policy deductibles, and risk profiles. Rates are averaged for all 2024 vehicle models including luxury brands.

Average car insurance rates in Cincinnati for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Cincinnati for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Cincinnati includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Cincinnati, OH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,576$381
Safe Driver Age 20$4,004$334
At-fault Accidents Age 40$2,818$235
Low Deductibles Age 40$2,596$216
Safe Driver Age 30$2,120$177
Safe Driver Age 40$1,986$166
Safe Driver Age 50$1,764$147
High Deductibles Age 40$1,672$139
Discount Rate Age 40$1,652$138
Safe Driver Age 60$1,650$138

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average rates in the prior chart range from $1,698 per year for a 40-year-old driver who qualifies for most policy discounts to $4,702 per year for a 20-year-old driver with a lot of violations and accidents. In this article, the rate used for comparison of different segments, models, and locations is the 40-year-old safe driver rate, which is an average cost of $2,042 per year.

As a monthly expense, the average cost of car insurance in Cincinnati ranges from $142 to $392 for the same driver risk profiles shown in the prior chart.

Car insurance rates vary considerably and small changes in personal situations can cause measureable price changes. The potential for large variability increases the need for multiple auto insurance quotes when shopping for more affordable car insurance in Cincinnati, Ohio.

The age of the rated driver is one of the largest factors in the cost of auto insurance, so the list below details how driver age influences cost by showing the difference in average car insurance rates based on the age of the driver.

Average car insurance cost for Cincinnati, Ohio, drivers age 16 to 60

  • 16-year-old rated driver – $7,282 per year or $607 per month
  • 17-year-old rated driver – $7,053 per year or $588 per month
  • 18-year-old rated driver – $6,323 per year or $527 per month
  • 19-year-old rated driver – $5,759 per year or $480 per month
  • 20-year-old rated driver – $4,112 per year or $343 per month
  • 30-year-old rated driver – $2,182 per year or $182 per month
  • 40-year-old rated driver – $2,042 per year or $170 per month
  • 50-year-old rated driver – $1,814 per year or $151 per month
  • 60-year-old rated driver – $1,698 per year or $142 per month

The rates above for the average cost to insure teen drivers assumed the gender of the driver was male. The next chart gets more specific and separates average teen driver rates in Cincinnati by gender. Females are usually a little cheaper to insure, especially in the teen years.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Cincinnati includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Cincinnati, OH for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$7,282$6,801
17-Year-Old$7,053$6,757
18-Year-Old$6,323$5,833
19-Year-Old$5,759$4,867

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

Car insurance for a 16-year-old female in Cincinnati costs an average of $481 less per year than male drivers, while at age 19, the cost difference is significantly less but still $892 per year.

The car insurance rates mentioned up to this point are averaged for every 2024 model year vehicle, which is handy for making big picture comparisons such as the average cost difference between different locations in Ohio. For more comprehensive price comparisons, however, the rates will be more accurate if we instead look at the specific model of vehicle being insured.

Later on in this article, we get into both rates by vehicle segment and rates for specific makes and models of vehicles, but for now, let’s just look at a handful of the more popular vehicles to discover how car insurance rates size up in Cincinnati.

The following chart details the cost of car insurance in Cincinnati for some of the more popular models.

Average cost to insure popular 2024 model year vehicles in Cincinnati.
Figure 3: Average cost to insure popular 2024 model year vehicles in Cincinnati. Rates updated on June 27, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Cincinnati Zip Codes.

Cincinnati, OH, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,510$126
Mazda CX-5$1,666$139
Honda CR-V$1,742$145
Honda HR-V$1,778$148
Honda Civic$1,810$151
Subaru Forester$1,818$152
Nissan Rogue$1,838$153
Toyota Highlander$1,858$155
Toyota RAV4$1,888$157
Hyundai Tucson$1,900$158
Ford Ranger$1,954$163
Honda Accord$1,974$165
Honda Pilot$1,990$166
Toyota Corolla$1,992$166
Toyota Camry$2,196$183
Hyundai Elantra$2,224$185
Ford Mustang$2,246$187
GMC Sierra$2,258$188
Chevrolet Silverado$2,260$188
Ford Bronco$2,266$189
Ford F150$2,288$191
Jeep Wrangler$2,336$195
Ram Truck$2,364$197

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Cincinnati, OH Zip Codes. Updated June 27, 2025

The most popular vehicles in Cincinnati tend to be compact and midsize cars like the Nissan Sentra, Volkswagen Jetta, and Kia K5 and compact or midsize SUVs like the Nissan Rogue and Jeep Grand Cherokee.

Some additional popular vehicles from other segments include luxury SUVs like the BMW X5 and Infiniti QX60, luxury cars like the Infiniti Q50 and BMW 530i, and pickup trucks like the Ford F-150 and Chevy Silverado.

We will cover different rates in much more detail in a little bit, but before we do that, let’s take a quick look at the key concepts that were discussed up to this point.

  • Car insurance with low deductibles costs more – A 30-year-old driver pays an average of $550 more per year for a policy with $250 deductibles versus $1,000 deductibles.
  • Teen female drivers have cheaper rates than teenage males – Teen females (age 16 to 19) pay $892 to $481 less annually than male drivers of the same age.
  • Cincinnati, OH, car insurance cost is less than the U.S. average – $2,042 (Cincinnati average) versus $2,221 (U.S. average)
  • Auto insurance rates decrease significantly in your twenties – The average 30-year-old Cincinnati driver will pay $1,930 less per year than a 20-year-old driver, $2,182 versus $4,112.
  • Insuring teen drivers can cost a lot – Average cost ranges from $4,867 to $7,282 per year to insure a teenage driver in Cincinnati.
  • Cincinnati auto insurance rates are more expensive than the Ohio state average – $2,042 (Cincinnati average) versus $1,948 (Ohio average)

In Cincinnati, which vehicles are cheapest to insure?

When comparing all 2024 makes and models, the vehicles with the lowest cost average insurance prices in Cincinnati, OH, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Buick Envision.

Average car insurance prices for those models cost $1,660 or less per year, or $138 per month, for a policy with full coverage.

A few other models that have low-cost insurance rates in our car insurance cost comparison are the Volkswagen Tiguan, Buick Encore, Honda CR-V, and Kia Niro.

Rates are marginally higher for those models than the cheapest crossover SUVs that rank at the top, but they still have an average insurance cost of $1,778 or less per year ($148 per month).

The next table shows the 50 car, truck, and SUV models with the cheapest auto insurance in Cincinnati, ordered starting with the cheapest.

Top 50 Cheapest Cars, Trucks, and SUVs to Insure in Cincinnati
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,510$126
2Chevrolet Trailblazer$1,536$128
3Kia Soul$1,596$133
4Nissan Kicks$1,610$134
5Honda Passport$1,628$136
6Buick Envision$1,638$137
7Toyota Corolla Cross$1,648$137
8Hyundai Venue$1,660$138
9Mazda CX-5$1,666$139
10Ford Bronco Sport$1,676$140
11Volkswagen Tiguan$1,692$141
12Acura RDX$1,708$142
13Nissan Murano$1,718$143
14Buick Encore$1,736$145
15Honda CR-V$1,742$145
16Subaru Outback$1,742$145
17Buick Envista$1,748$146
18Volkswagen Taos$1,752$146
19Kia Niro$1,760$147
20Toyota GR Corolla$1,774$148
21Honda HR-V$1,778$148
22Subaru Ascent$1,780$148
23Nissan Leaf$1,790$149
24Chevrolet Colorado$1,800$150
25Honda Civic$1,810$151
26Lexus NX 250$1,810$151
27Volkswagen Atlas$1,812$151
28Acura Integra$1,818$152
29Subaru Forester$1,818$152
30Volkswagen Atlas Cross Sport$1,820$152
31Kia Seltos$1,826$152
32GMC Terrain$1,830$153
33Nissan Rogue$1,838$153
34Hyundai Kona$1,840$153
35Mazda CX-30$1,844$154
36Cadillac XT4$1,846$154
37Volkswagen ID4$1,854$155
38Ford Explorer$1,856$155
39Toyota Highlander$1,858$155
40Ford Escape$1,866$156
41Toyota Venza$1,866$156
42Honda Odyssey$1,870$156
43Nissan Sentra$1,874$156
44Subaru Impreza$1,878$157
45Chevrolet Equinox$1,882$157
46Toyota RAV4$1,888$157
47Mazda MX-5 Miata$1,892$158
48Mazda MX-30$1,898$158
49Hyundai Tucson$1,900$158
50Chevrolet Traverse$1,908$159

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cincinnati, OH Zip Codes. Updated June 26, 2025

Top 50 cheapest vehicles to insure in Cincinnati, OH with the Subaru Crosstrek ranking first at $1,510 per year
Top 50 cheapest vehicles to insure in Cincinnati, OH with the Subaru Crosstrek ranking first at $1,510 per year

The above table containing 50 ranked vehicles really is not a great way to present a comprehesive view of the cost of auto insurance in Cincinnati. Considering we track over 700 vehicles, that’s a lot of vehicles that get omitted from the list. So let’s take a different approach and list the models with the lowest rates a more sensible way.

The next section of this article showcases the average price of car insurance in Cincinnati for each vehicle segment. The average rates shown should give you a better idea of which segments have the overall least expensive auto insurance rates in Cincinnati. The sections following the chart display the models with the most affordable auto insurance in the most popular segments.

Insurance rates by automotive segment

If you’re considering buying a new car, it’s important to know which styles of vehicles have more affordable car insurance rates in Cincinnati. For instance, maybe you want to know if midsize SUVs are more affordable to insure than full-size SUVs or if half-ton pickups are more affordable to insure than heavy duty pickups.

The next chart displays the average cost of car insurance rates in Cincinnati for different vehicle segments. When comparing rates from a segment perspective, small SUVs, vans, and midsize pickups tend to have the cheapest average rates, while sports cars and performance luxury models have the most expensive insurance.

Car insurance average cost by automotive segment in Cincinnati, OH.
Figure 4: Car insurance average cost by automotive segment in Cincinnati, OH. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Cincinnati Zip Codes.

Car Insurance Rates by Automotive Segment in Cincinnati, OH
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,878$157
Midsize SUV$2,018$168
Compact Car$2,018$168
Minivan$2,024$169
Midsize Pickup$2,064$172
Midsize Car$2,086$174
Compact Luxury SUV$2,218$185
Compact Luxury Car$2,246$187
Large SUV$2,256$188
Half-ton Pickup$2,264$189
Heavy Duty Pickup$2,350$196
Midsize Luxury SUV$2,428$202
Midsize Luxury Car$2,506$209
Sports Car$2,812$234
Large Car$2,942$245
Large Luxury SUV$3,164$264
Large Luxury Car$3,268$272

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Cincinnati, OH Zip Codes. Updated June 27, 2025

Car insurance rates by segment are useful to make a general comparison, but insurance cost varies quite a lot within each automotive segment shown in the above chart.

For example, in the small SUV segment, auto insurance rates in Cincinnati range from the Subaru Crosstrek costing $1,510 per year for full coverage insurance up to the Ford Mustang Mach-E at $2,390 per year. As another example, in the sports car segment, insurance rates range from the Mazda MX-5 Miata costing $1,892 per year to the Mercedes-Benz SL 63 at $4,200 per year, a difference of $2,308 within that segment.

In the next sections of the article, we will eliminate a lot of this variability by looking at car insurance cost for specific vehicles.

Cheapest cars to insure in Cincinnati

The four cheapest cars to insure in Cincinnati are the Toyota GR Corolla at $1,774 per year, Nissan Leaf at $1,790 per year, Honda Civic at $1,810 per year, and Nissan Sentra at $1,874 per year.

Rounding out the top 10 are models like the Toyota Prius, Honda Accord, Kia K5, and Toyota Corolla, with average cost of $1,992 per year or less.

Ranked in the bottom half of the top 20 cheapest cars to insure, cars like the Kia Forte, Volkswagen Jetta, Subaru Legacy, Mazda 3, Hyundai Ioniq 6, and Nissan Versa average between $1,992 and $2,112 per year to insure in Cincinnati.

As a cost per month, full-coverage auto insurance on this segment in Cincinnati for an average middle-age driver will start around $148 per month, depending on the company and where you live.

The next table ranks the twenty cars with the most affordable average insurance rates in Cincinnati.

Cheapest Car Insurance in Cincinnati, OH
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,774$148
Nissan LeafCompact$1,790$149
Honda CivicCompact$1,810$151
Nissan SentraCompact$1,874$156
Subaru ImprezaCompact$1,878$157
Toyota PriusCompact$1,910$159
Kia K5Midsize$1,970$164
Honda AccordMidsize$1,974$165
Chevrolet MalibuMidsize$1,982$165
Toyota CorollaCompact$1,992$166
Kia ForteCompact$1,996$166
Volkswagen ArteonMidsize$2,008$167
Nissan VersaCompact$2,016$168
Subaru LegacyMidsize$2,016$168
Hyundai Ioniq 6Midsize$2,034$170
Mitsubishi Mirage G4Compact$2,064$172
Volkswagen JettaCompact$2,068$172
Toyota CrownMidsize$2,070$173
Hyundai SonataMidsize$2,072$173
Mazda 3Compact$2,112$176

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cincinnati, OH Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Cincinnati, OH, with the Toyota GR Corolla ranking first at $1,774 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Cincinnati, OH, with the Toyota GR Corolla ranking first at $1,774 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance cost for your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Ohio.

Cheapest SUVs to insure in Cincinnati

The top four SUVs with the cheapest auto insurance in Cincinnati are the Subaru Crosstrek at $1,510 per year, Chevrolet Trailblazer at $1,536 per year, Kia Soul at $1,596 per year, and Nissan Kicks at $1,610 per year.

Not the cheapest SUVs to insure, but still very reasonable, are models like the Ford Bronco Sport, Mazda CX-5, Toyota Corolla Cross, and Hyundai Venue, with average annual insurance rates of $1,676 per year or less.

On a monthly basis, auto insurance in Cincinnati on this segment for a middle-age safe driver starts at around $126 per month, depending on your location. The next table ranks the twenty SUVs with the cheapest car insurance rates in Cincinnati.

Cheapest SUV Insurance in Cincinnati, OH
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,510$126
Chevrolet TrailblazerCompact$1,536$128
Kia SoulCompact$1,596$133
Nissan KicksCompact$1,610$134
Honda PassportMidsize$1,628$136
Buick EnvisionCompact$1,638$137
Toyota Corolla CrossCompact$1,648$137
Hyundai VenueCompact$1,660$138
Mazda CX-5Compact$1,666$139
Ford Bronco SportCompact$1,676$140
Volkswagen TiguanCompact$1,692$141
Nissan MuranoMidsize$1,718$143
Buick EncoreCompact$1,736$145
Honda CR-VCompact$1,742$145
Subaru OutbackMidsize$1,742$145
Buick EnvistaMidsize$1,748$146
Volkswagen TaosCompact$1,752$146
Kia NiroCompact$1,760$147
Honda HR-VCompact$1,778$148
Subaru AscentMidsize$1,780$148

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cincinnati, OH Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Cincinnati, OH, with the Subaru Crosstrek ranking first at $1,510 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Cincinnati, OH, with the Subaru Crosstrek ranking first at $1,510 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see rates for your SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Cincinnati car insurance quotes from top-rated companies in Ohio.

Cheapest sports cars to insure in Cincinnati

Ranking at the top of the list for the lowest-cost Cincinnati car insurance rates in the sports car and performance segment are the BMW Z4, Subaru WRX, Toyota GR86, Ford Mustang, and Mazda MX-5 Miata. Rates for these models average $2,290 or less per year, or around $191 per month.

Additional sports cars that are affordable to insure include the Nissan Z, BMW M2, Subaru BRZ, and Lexus RC F, with average annual insurance rates of $2,446 per year or less.

In the bottom half of the top 20, cars like the Lexus LC 500, Porsche 911, Mercedes-Benz AMG GT53, BMW M3, and BMW M4 average between $2,446 and $3,462 per year for full-coverage insurance in Cincinnati.

On a monthly basis, auto insurance rates on this segment in Cincinnati for the average driver starts at an average of $158 per month, depending on your location.

The comparison table below ranks the sports cars with the cheapest insurance rates in Cincinnati, starting with the Mazda MX-5 Miata at $1,892 per year ($158 per month) and ending with the Porsche Taycan at $3,462 per year ($289 per month).

Cheapest Sports Car Insurance in Cincinnati, OH
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,892$158
Toyota GR86Sports Car$2,156$180
Ford MustangSports Car$2,246$187
BMW Z4Sports Car$2,258$188
Subaru WRXSports Car$2,290$191
Toyota GR SupraSports Car$2,296$191
BMW M2Sports Car$2,364$197
Nissan ZSports Car$2,368$197
Lexus RC FSports Car$2,416$201
Subaru BRZSports Car$2,446$204
BMW M3Sports Car$2,582$215
Porsche 718Sports Car$2,632$219
Chevrolet CamaroSports Car$2,658$222
Chevrolet CorvetteSports Car$2,832$236
Porsche 911Sports Car$2,928$244
BMW M4Sports Car$3,052$254
Lexus LC 500Sports Car$3,066$256
Jaguar F-TypeSports Car$3,226$269
Mercedes-Benz AMG GT53Sports Car$3,384$282
Porsche TaycanSports Car$3,462$289

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cincinnati, OH Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Cincinnati, OH, with the Mazda MX-5 Miata ranking first at $1,892 per year.
Ranking of the cheapest sports cars to insure in Cincinnati, OH, with the Mazda MX-5 Miata ranking first at $1,892 per year.

Need rates for a different vehicle? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Ohio.

Cheapest pickup trucks to insure in Cincinnati

Out of all 2024 models, the top five lowest-cost pickups to insure in Cincinnati are the Chevrolet Colorado, Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. Average rates for for these five models range from $1,800 to $1,982 per year.

Additional pickups that have affordable insurance rates are the Toyota Tacoma, GMC Canyon, GMC Sierra 2500 HD, and Hyundai Santa Cruz, with an average cost to insure of $2,102 per year or less.

Full-coverage car insurance in Cincinnati for this segment for a good driver starts at around $150 per month, depending on your company and location. The comparison table below ranks the twenty pickups with the lowest-cost insurance rates in Cincinnati, starting with the Chevrolet Colorado at $1,800 per year ($150 per month) and ending with the Ram Truck at $2,364 per year ($197 per month).

Cheapest Pickup Insurance in Cincinnati, OH
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,800$150
Nissan TitanFull-size$1,910$159
Nissan FrontierMidsize$1,934$161
Ford RangerMidsize$1,954$163
Ford MaverickMidsize$1,982$165
Honda RidgelineMidsize$2,028$169
Hyundai Santa CruzMidsize$2,062$172
Toyota TacomaMidsize$2,072$173
GMC Sierra 2500 HDHeavy Duty$2,078$173
GMC CanyonMidsize$2,102$175
Jeep GladiatorMidsize$2,154$180
GMC Sierra 3500Heavy Duty$2,166$181
Chevrolet Silverado HD 3500Heavy Duty$2,184$182
Chevrolet Silverado HD 2500Heavy Duty$2,244$187
GMC SierraFull-size$2,258$188
Chevrolet SilveradoFull-size$2,260$188
Nissan Titan XDHeavy Duty$2,260$188
Ford F150Full-size$2,288$191
GMC Hummer EV PickupFull-size$2,344$195
Ram TruckFull-size$2,364$197

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cincinnati, OH Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Cincinnati, OH, with the Chevrolet Colorado ranking first at $1,800 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Cincinnati, OH, with the Chevrolet Colorado ranking first at $1,800 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see your pickup model? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Cincinnati car insurance quotes from top-rated companies in Ohio.

Cheapest luxury car insurance rates in Cincinnati

Ranked at #1 in Cincinnati for cheapest auto insurance rates in the luxury car segment is the Acura Integra, costing an average of $1,818 per year. Second place is the BMW 330i at $2,082 per year, the third most affordable is the Mercedes-Benz CLA250, costing an average of $2,104 per year, and the fourth most affordable is the Lexus IS 300, costing an average of $2,108 per year.

Not the cheapest in the list, but still ranking well, are luxury cars like the Cadillac CT4, Mercedes-Benz AMG CLA35, Lexus RC 300, and Genesis G70, with an average cost of $2,148 per year or less.

Full-coverage insurance in this segment for a safe driver will start around $152 per month, depending on the company and your location.

When vehicle size is considered, the cheapest small luxury car to insure in Cincinnati is the Acura Integra at $1,818 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is cheapest to insure at $2,104 per year. And for large luxury cars, the Audi A5 is cheapest to insure at $2,428 per year.

The comparison table below ranks the twenty luxury cars with the lowest-cost average insurance rates in Cincinnati.

Cheapest Luxury Car Insurance in Cincinnati, OH
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,818$152
BMW 330iCompact$2,082$174
Mercedes-Benz CLA250Midsize$2,104$175
Lexus IS 300Midsize$2,108$176
Acura TLXCompact$2,114$176
Cadillac CT4Compact$2,134$178
Lexus ES 350Midsize$2,136$178
Genesis G70Compact$2,140$178
Mercedes-Benz AMG CLA35Midsize$2,144$179
Lexus RC 300Midsize$2,148$179
Lexus IS 350Compact$2,158$180
Jaguar XFMidsize$2,164$180
Cadillac CT5Midsize$2,204$184
Lexus ES 250Midsize$2,212$184
Lexus RC 350Compact$2,218$185
BMW 330eCompact$2,220$185
BMW 228iCompact$2,224$185
BMW 230iCompact$2,240$187
Lexus ES 300hMidsize$2,244$187
Audi S3Compact$2,292$191

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cincinnati, OH Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Cincinnati, OH, with the Acura Integra ranking first at $1,818 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Cincinnati, OH, with the Acura Integra ranking first at $1,818 per year.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Cincinnati car insurance quotes from top-rated companies in Ohio.

Cheapest luxury SUV insurance rates in Cincinnati

The three highest ranking luxury SUVs with the lowest-cost average insurance rates in Cincinnati are the Acura RDX at $1,708 per year, the Lexus NX 250 at $1,810 per year, and the Cadillac XT4 at $1,846 per year.

Also ranking well in our comparison are SUVs like the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus NX 450h, and Lexus UX 250h, with average insurance cost of $1,970 per year or less.

Some additional 2024 luxury models worth mentioning include the Land Rover Evoque, Infiniti QX60, Lexus NX 350, and Mercedes-Benz GLA250, which cost between $1,970 and $2,052 to insure per year in Cincinnati.

Auto insurance for this segment in Cincinnati starts at around $142 per month, depending on the company and your location.

The lowest-cost small luxury SUV to insure in Cincinnati is the Acura RDX at $1,708 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $1,910 per year. And for full-size models, the Infiniti QX80 has the most affordable rates at $2,292 per year.

The next table ranks the SUVs with the lowest-cost insurance rates in Cincinnati, starting with the Acura RDX at $1,708 per year ($142 per month) and ending with the Lexus RX 350 at $2,052 per year ($171 per month).

Cheapest Luxury SUV Insurance in Cincinnati, OH
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,708$142
Lexus NX 250Compact$1,810$151
Cadillac XT4Compact$1,846$154
Jaguar E-PaceMidsize$1,910$159
Cadillac XT5Midsize$1,930$161
Lexus NX 350hCompact$1,930$161
Lincoln CorsairCompact$1,954$163
Mercedes-Benz GLB 250Compact$1,956$163
Lexus UX 250hCompact$1,958$163
Lexus NX 450hCompact$1,970$164
Infiniti QX50Midsize$1,986$166
Mercedes-Benz GLA250Compact$1,994$166
Cadillac XT6Midsize$2,000$167
Mercedes-Benz GLA35 AMGCompact$2,000$167
Infiniti QX60Midsize$2,010$168
Mercedes-Benz AMG GLB35Midsize$2,014$168
Acura MDXMidsize$2,042$170
Land Rover EvoqueCompact$2,042$170
Lexus NX 350Compact$2,050$171
Lexus RX 350Midsize$2,052$171

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cincinnati, OH Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Cincinnati, OH, with the Acura RDX ranking first at $1,708 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Cincinnati, OH, with the Acura RDX ranking first at $1,708 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see your luxury SUV in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Cincinnati car insurance quotes from top-rated companies in Ohio.

What to expect when shopping for car insurance

To try to clarify how much the cost of a car insurance policy can range from one person to the next, the sections below show detailed rates for four popular models in Cincinnati: the Chevrolet Silverado, Nissan Sentra, Honda CR-V, and Honda Pilot.

The example for each vehicle uses different driver and policy risk profiles to show the possible cost variation with only minor changes to the policy rating factors.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Cincinnati averages $2,260 per year (about $188 per month) and varies from $1,876 to $5,250 annually.

Average 2024 Chevrolet Silverado insurance premiums in Cincinnati for different driver ages and risk scenarios.
Figure 5: Average 2024 Chevrolet Silverado insurance premiums in Cincinnati for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Cincinnati includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Cincinnati, OH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,250$438
Safe Driver Age 20$4,590$383
At-fault Accidents Age 40$3,232$269
Low Deductibles Age 40$2,914$243
Safe Driver Age 30$2,406$201
Safe Driver Age 40$2,260$188
Safe Driver Age 50$2,008$167
High Deductibles Age 40$1,922$160
Safe Driver Age 60$1,882$157
Discount Rate Age 40$1,876$156

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 26, 2025

The Chevrolet Silverado is classified as a full-size truck, and other models in the same segment include the Ford F150, Nissan Titan, and Toyota Tundra.

Nissan Sentra insurance rates

Nissan Sentra insurance in Cincinnati costs an average of $1,874 per year, or around $156 per month, and varies from $1,558 to $4,254.

Average 2024 Nissan Sentra insurance premiums in Cincinnati for different driver ages and risk scenarios.
Figure 6: Average 2024 Nissan Sentra insurance premiums in Cincinnati for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Cincinnati includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Cincinnati, OH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,254$355
Safe Driver Age 20$3,702$309
At-fault Accidents Age 40$2,650$221
Low Deductibles Age 40$2,370$198
Safe Driver Age 30$1,986$166
Safe Driver Age 40$1,874$156
Safe Driver Age 50$1,676$140
High Deductibles Age 40$1,614$135
Safe Driver Age 60$1,562$130
Discount Rate Age 40$1,558$130

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 27, 2025

The Nissan Sentra is part of the compact car segment, and additional models from the same segment that are popular in Cincinnati, OH, include the Toyota Corolla, Honda Civic, Hyundai Elantra, and Chevrolet Cruze.

Honda CR-V insurance rates

Honda CR-V insurance in Cincinnati averages $1,742 per year, or around $145 per month, and ranges from $1,448 to $4,006 for the driver ages and policy situations in the next insurance cost chart.

Average 2024 Honda CR-V insurance premiums in Cincinnati for different driver ages and risk scenarios.
Figure 7: Average 2024 Honda CR-V insurance premiums in Cincinnati for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Cincinnati includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Cincinnati, OH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,006$334
Safe Driver Age 20$3,504$292
At-fault Accidents Age 40$2,468$206
Low Deductibles Age 40$2,274$190
Safe Driver Age 30$1,858$155
Safe Driver Age 40$1,742$145
Safe Driver Age 50$1,546$129
High Deductibles Age 40$1,470$123
Safe Driver Age 60$1,450$121
Discount Rate Age 40$1,448$121

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 27, 2025

The Honda CR-V is considered a compact SUV, and other similar models that are popular in Cincinnati, OH, include the Ford Escape, Nissan Rogue, and Toyota RAV4.

Honda Pilot insurance rates

Car insurance for a Honda Pilot in Cincinnati costs an average of $1,990 per year, or around $166 per month, and varies from $1,652 to $4,602 for the sample driver risk profiles in the chart.

Average 2024 Honda Pilot insurance premiums in Cincinnati for different driver ages and risk scenarios.
Figure 8: Average 2024 Honda Pilot insurance premiums in Cincinnati for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Cincinnati includes all Zip Codes and vehicle trim levels.

2024 Honda Pilot Insurance Cost in Cincinnati, OH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,602$384
Safe Driver Age 20$4,034$336
At-fault Accidents Age 40$2,820$235
Low Deductibles Age 40$2,634$220
Safe Driver Age 30$2,126$177
Safe Driver Age 40$1,990$166
Safe Driver Age 50$1,758$147
High Deductibles Age 40$1,662$139
Discount Rate Age 40$1,652$138
Safe Driver Age 60$1,650$138

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Pilot trim levels. Updated June 27, 2025

The Honda Pilot is classified as a midsize SUV, and additional similar models from the same segment include the Ford Edge, Ford Explorer, and Toyota Highlander.

Tips for finding cheaper Cincinnati car insurance quotes

Shrewd drivers should always be looking to save money on auto insurance So take a minute to review the money-saving tips in this next list and see if you can save a few bucks when buying auto insurance.

  • Reduce coverage on older cars. Removing physical damage coverage from vehicles whose value has dropped to the point where coverage is not cost effective can reduce the cost of car insurance significantly.
  • Remain claim free. Most insurers reduce rates a little for not having any claims. Auto insurance is intended to be used in the case of significant financial loss, not small claims that can be paid out-of-pocket.
  • Earn discounts to save money. Discounted rates may be available if the policyholders take a defensive driving course, are loyal customers, are claim-free, insure their home and car with the same company, are homeowners, or many other discounts which could save the average Cincinnati driver as much as $344 per year.
  • Better credit scores yield better car insurance rates. Having a good credit rating over 800 could save a minimum of $321 per year compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost around $372 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Safe drivers have lower car insurance rates. Having multiple accidents could cost you more, potentially up to $2,920 per year for a 20-year-old driver and as much as $502 per year for a 60-year-old driver. So be a cautious driver and save.