Car Insurance in Cincinnati, OH (2024 Rates + Comparisons)

• Cincinnati car insurance rates cost an average of $1,478 per year, or around $123 per month.
• Car insurance rates for a few popular models in Cincinnati include the Honda CR-V at $1,260 per year, Toyota Highlander at $1,342, and Jeep Cherokee at $1,596.
• For cheap car insurance in Cincinnati, Ohio, small SUVs like the Honda CR-V, Hyundai Venue, and Nissan Kicks have the most affordable rates.
• Models with the most affordable auto insurance in Cincinnati in their automotive segment include the Jaguar E-Pace, Acura RDX, Toyota GR Corolla, Chevrolet Colorado, and Subaru Crosstrek.

What is average car insurance cost in Cincinnati?

The average cost of car insurance in Cincinnati is $1,478 per year, which is 24.1% less than the U.S. average rate of $1,883. The average cost of car insurance per month in Cincinnati is $123 for a policy that provides full coverage.

The average price for car insurance in Ohio is $1,380 per year, so Cincinnati drivers pay an average of $98 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 $44 per year cheaper than in Cleveland, $34 per year cheaper than in Toledo, and $18 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 rates in the prior chart range from $1,228 per year for a 40-year-old driver who qualifies for most policy discounts to $3,398 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 $1,478 per year.

As a monthly expense, the average cost of car insurance in Cincinnati ranges from $102 to $283 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 – $5,264 per year or $439 per month
• 17-year-old rated driver – $5,097 per year or $425 per month
• 18-year-old rated driver – $4,570 per year or $381 per month
• 19-year-old rated driver – $4,159 per year or $347 per month
• 20-year-old rated driver – $2,972 per year or $248 per month
• 30-year-old rated driver – $1,578 per year or $132 per month
• 40-year-old rated driver – $1,478 per year or $123 per month
• 50-year-old rated driver – $1,310 per year or $109 per month
• 60-year-old rated driver – $1,226 per year or $102 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.

Car insurance for a 16-year-old female in Cincinnati costs an average of $348 less per year than male drivers, while at age 19, the cost difference is significantly less but still $641 per year.

Insurance cost for Cincinnati’s favorite vehicles

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.

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 $400 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 $641 to $348 less annually than male drivers of the same age.
• Cincinnati, OH, car insurance cost is less than the U.S. average – $1,478 (Cincinnati average) versus $1,883 (U.S. average)
• Auto insurance rates decrease significantly in your twenties – The average 30-year-old Cincinnati driver will pay $1,394 less per year than a 20-year-old driver, $1,578 versus $2,972.
• Insuring teen drivers can cost a lot – Average cost ranges from $3,518 to $5,264 per year to insure a teenage driver in Cincinnati.
• Cincinnati auto insurance rates are more expensive than the Ohio state average – $1,478 (Cincinnati average) versus $1,380 (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 $1,200 or less per year, or $100 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 Volkswagen Taos.

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 $1,268 or less per year ($106 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.

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 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 $1,090 per year for full coverage insurance up to the Ford Mustang Mach-E at $1,730 per year. As another example, in the sports car segment, insurance rates range from the Mazda MX-5 Miata costing $1,368 per year to the Mercedes-Benz SL 63 at $3,036 per year, a difference of $1,668 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 $1,282 per year, Nissan Leaf at $1,296 per year, Honda Civic at $1,308 per year, and Nissan Sentra at $1,356 per year.

Rounding out the top 10 are models like the Hyundai Ioniq 6, Kia K5, Toyota Prius, and Chevrolet Malibu, with average cost of $1,434 per year or less.

Ranked in the bottom half of the top 20 cheapest cars to insure, cars like the Toyota Corolla, Volkswagen Jetta, Nissan Versa, Mazda 3, Subaru Legacy, and Volkswagen Arteon average between $1,434 and $1,530 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 $107 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.

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 $1,090 per year, Chevrolet Trailblazer at $1,110 per year, Kia Soul at $1,154 per year, and Nissan Kicks at $1,164 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 $1,210 per year or less.

On a monthly basis, auto insurance in Cincinnati on this segment for a middle-age safe driver starts at around $91 per month, depending on your location. The next table ranks the twenty SUVs with the cheapest car insurance rates in Cincinnati.

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 $1,656 or less per year, or around $138 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 $1,768 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 $1,768 and $2,504 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 $114 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 $1,368 per year ($114 per month) and ending with the Porsche Taycan at $2,504 per year ($209 per month).

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 $1,264 to $1,434 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 $1,522 per year or less.

Full-coverage car insurance in Cincinnati for this segment for a good driver starts at around $105 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 $1,264 per year ($105 per month) and ending with the Ram Truck at $1,706 per year ($142 per month).

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 $1,314 per year. Second place is the BMW 330i at $1,504 per year, the third most affordable is the Mercedes-Benz CLA250, costing an average of $1,520 per year, and the fourth most affordable is the Lexus IS 300, costing an average of $1,522 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 $1,554 per year or less.

Full-coverage insurance in this segment for a safe driver will start around $110 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 $1,314 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is cheapest to insure at $1,520 per year. And for large luxury cars, the Audi A5 is cheapest to insure at $1,748 per year.

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

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 $1,234 per year, the Lexus NX 250 at $1,306 per year, and the Cadillac XT4 at $1,334 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 $1,422 per year or less.

Some additional 2024 luxury models worth mentioning include the Acura MDX, Infiniti QX60, Lexus RX 350, and Mercedes-Benz GLA250, which cost between $1,422 and $1,482 to insure per year in Cincinnati.

Auto insurance for this segment in Cincinnati starts at around $103 per month, depending on the company and your location.

The lowest-cost small luxury SUV to insure in Cincinnati is the Acura RDX at $1,234 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $1,380 per year. And for full-size models, the Infiniti QX80 has the most affordable rates at $1,658 per year.

The next table ranks the SUVs with the lowest-cost insurance rates in Cincinnati, starting with the Acura RDX at $1,234 per year ($103 per month) and ending with the Lexus NX 350 at $1,482 per year ($124 per month).

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 $1,632 per year (about $136 per month) and varies from $1,354 to $3,792 annually.

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 $1,356 per year, or around $113 per month, and varies from $1,126 to $3,076.

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 $1,260 per year, or around $105 per month, and ranges from $1,048 to $2,894 for the driver ages and policy situations in the next insurance cost chart.

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 $1,438 per year, or around $120 per month, and varies from $1,194 to $3,324 for the sample driver risk profiles in the chart.

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 $250 per year.
• Better credit scores yield better car insurance rates. Having a good credit rating over 800 could save a minimum of $232 per year compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost around $269 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 $2,110 per year for a 20-year-old driver and as much as $360 per year for a 60-year-old driver. So be a cautious driver and save.