Cincinnati law enforcement has had a busy first quarter in 2021. Distracted driving offenses are nearly three times higher than the total in 2020. Crash fatalities are already up more than in 2020. Drivers must be alert on the roads, and ensure they have the best car insurance in Cincinnati.
For Ohio‘s minimum insurance requirements, the annual average cost for car insurance in Cincinnati is $397 and $1149 respectively for full coverage with collision and comprehensive coverage. Rates in the city are lower than the average for full coverage car insurance, which is $1,674 annually. Our shortlist of Cincinnati’s best car insurance companies will help you if you are new to the area, or if you believe that switching carriers can provide better coverage. Four insurance companies in Cincinnati are worth looking at. We compared pricing information from Quadrant Information Services, customer reviews and financial stability.
Cincinnati’s best car insurance companies
There are many options for car insurance in Cincinnati. There are many providers in Cincinnati that offer car insurance. However, not all providers offer the same level of customer service or rates. Bankrate’s top picks for best car Insurance in Cincinnati include:
USAA
J.D. gives USAA high marks Due to eligibility restrictions, USAA is not eligible for an official ranking. USAA insurance is available only to veterans, active military personnel and their immediate families. USAA has the lowest annual rates for minimum coverage, and the second-cheapest for full coverage. USAA also offers military personnel special discounts
Hastings Mutual
Hastings Mutual, a Michigan-based company, specializes in affordable coverage. There are optional coverages that include roadside assistance and gap insurance, as well as new car replacement coverage. Hastings Mutual isn’t large enough to be ranked in the J.D. The Power customer satisfaction study is widely known and well appreciated by local residents.
Erie
Erie Insurance may be an alternative to USAA if you cannot get car insurance due to restrictions imposed by the military. Erie Insurance is also rated highly in customer satisfaction. It’s affordable if you only need minimal liability insurance. Erie Insurance has the most expensive coverage of any of our four listed carriers, but it offers full coverage.
Geico
Geico offers many ways to save money. Geico is a national carrier that strives to provide fast claims service and affordable car insurance. The company is able do this by serving customers online and through its mobile app. Geico offers 16 discount. Vehicle safety equipment (upto 23% off) and multi-vehicle (upto 25% off) are the ones that offer the greatest reductions in your premiums.
Cincinnati has the lowest car insurance
When it comes to insurance, Cincinnati isn’t the most expensive city in Ohio. The state’s average cost for coverage is $1,034 per annum, while the city’s average is $1,149. It is therefore important to find the best rates. By choosing the right carrier, and taking advantage the available discounts, you may be able beat the average.
It is possible to get quotes from these carriers and find the best coverage for you.
USAA, which is affordable in Cincinnati for car insurance, is not available to family members or military personnel. Erie Insurance is the best choice for low-cost coverage. Geico is the best option for low-cost coverage if you have a newer vehicle. State Farm comes in second. Auto-Owners offers great discounts for young drivers and is value-driven.
Cincinnati insurance requirements
Drivers in Cincinnati, Ohio are required to have minimum liability insurance. It is:
- $25,000 per accident victim for injuries/death
- $50,000 per accident for injury/death
- $25,000 per accident for property damage
The minimum coverage requirement may not be sufficient. Any damages exceeding the limit would be your responsibility. Liability coverage does not cover expenses to third parties. Minimum coverage doesn’t cover vehicles that are damaged or need repairs.
Cincinnati: Car insurance discounts
You can save even more on your car insurance in Cincinnati by looking for the following discounts:
- Bundling: If you insure more than one vehicle, or your home and car with the same carrier, your premiums could be lower.
- Good student: Vehicle coverage costs more for younger drivers. A discount may be available if your college or high school student is doing well.
- Vehicle safety equipment: Your premiums could be lower if your car has newer technology like driver assistance or multiple airbags.
- You can lower your premiums by being a safe driver.
Questions frequently asked
Which is the best auto insurance company?
It is difficult to find the best car insurer because it can vary depending on your needs. Consider factors such as customer service ratings, rates and coverages. It is also worth researching things such as financial stability and average complaints.
What is the cost of car insurance in Cincinnati?
Cincinnati car insurance is less expensive than the national average. The cost of basic coverage is $397/year, while full coverage costs $1,149.
What amount of car insurance do you need in Cincinnati
Liability coverage must cover at least $25,000 for bodily injury per person, $50,000 per accident bodily liability insurance and $25,000 for property damage. You may need to have higher limits in the event of a serious accident.