Find the Best Car Insurance Companies in Cincinnati, OH

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.