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Find the Best Car Insurance Companies in Cincinnati, OH

When you drive, there’s always risk. With car insurance, though, you are protected from financial responsibility in the event of an accident, theft or other events. We researched the best car insurance in Cincinnati to help you select coverage that’s right for your needs and budget.

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Compare Top Car Insurance

  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Cincinnati

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Overall satisfaction rating
  • Bundle plans & save
  • Discounts: multi-policy, teen driver & more
  • Name your price tool
  • Available in Cincinnati

See car insurance within your budget with the Name Your Price tool. Get a personalized rate based on your driving with Snapshot. 99% of drivers earn at least one of multiple discounts. Insures over 20 million drivers.

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Liberty Mutual
Overall satisfaction rating
  • Save up to 30% for good driving
  • Deductible savings fund
  • 12-month rate guarantee
  • Available in Cincinnati

Customizes car insurance so you pay only for what you need. Has add-ons for new vehicle replacement, accident forgiveness and deductible savings. Over 15 types of discounts. Use the app to get ID cards, pay a bill or file a claim.

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The General
  • Driving record forgiveness
  • Discounts: pay-in-full, military & more
  • Low down payments
  • Available in Cincinnati
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Dwyer Insurance
  • Towing & rental coverage available
  • Full-service agency
  • Rates from multiple companies
  • Free online quote
3356 N. Bend Rd.
Cincinnati, OH 45239
(513) 389-4100
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Cincinnatus Insurance LLC
  • Licensed in Ohio and Kentucky
  • Online service center
  • Compares multiple insurance providers
  • Car & motorcycle coverage
4790 Red Bank Expy., Ste. 207
Cincinnati, OH 45227
(513) 587-3553
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Jami Anna Insurance Services
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • allstate.com
1136 S. Ft. Thomas Ave.
Fort Thomas, KY 41075
(859) 441-0310
State Farm
  • M-Th: 9am - 6pm
  • F: 9am - 5pm
  • Sat: By appointment only
  • Closed Sun
1210 Springfield Pike
Cincinnati, OH 45215
(513) 761-0300
Gibbs Insurance Associates
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • gibbsinsuranceassociates.com
7710 Shawnee Run Rd.
Cincinnati, OH 45243
(513) 561-5551
1st Choice Insurance
  • M-F: 9am - 5:30pm
  • Sat: 9am - 12pm
  • Closed Sun
  • 1stchoiceinsurance.com
7500 Dixie Hwy.
Fairfield, OH 45014
(513) 860-0666
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • allstate.com/auto-insurance
3006 Portsmouth Ave
Cincinnati, OH 45208
(513) 871-5300
Amity Insurance Agency, Inc.
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • amityinsurance.net
7659 Montgomery Rd.
Cincinnati, OH 45236
(513) 793-9191

How to choose a car insurance company in Cincinnati

Cincinnati skyline

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.

Car Insurance Reviews


Progressive, one of the largest auto insurers in the U.S., is trusted by over 18 million drivers. Discounts start as soon as you get a quote, which takes about six minutes. Customers can easily compare coverages from different companies. Progressive also offers a Name Your Price Tool and the Snapshot program, which personalizes rates based on how you drive. Reviewers like the savings, fast claims process and available add-ons.


Liberty Mutual

Car insurance from Liberty Mutual comes standard with a 12-month rate guarantee, 24/7 customer service and a lifetime repair promise. Plenty of discounts are available. The company also helps contribute to a fund to lower your deductible costs. Customers appreciate Liberty Mutual’s user-friendly website and the easy access to a quote.

Liberty Mutual

The General

The General has been insuring drivers across the U.S. for over 50 years. The company accepts most cars and drivers, even if you have a history of accidents, violations or poor credit. A brand new app gives customers more ways to pay, digital ID cards, a smooth claims process and on-demand support. According to reviews, The General is a great company for high-risk drivers, but prices can be on the higher side.

The General

Dwyer Insurance

Dwyer Insurance is an independent agency based in Cincinnati that shops around for policies that meet individual customer needs. As a full-service provider licensed in Ohio, Kentucky and Indiana, the company helps with billing, policy changes, reviews, claims and client questions. Reviewers say Dwyer Insurance genuinely cares about its customers, praising its exemplary service and helpful expertise.

Dwyer Insurance

Cincinnatus Insurance LLC

Cincinnatus Insurance LLC is an independent agency providing customers with objective and thorough advice based on years of experience. The company has access to numerous car insurance companies and helps clients see through the fine print to understand coverage. Call the office directly or visit the website to get a policy review and comparison underway. Many customers give five-star reviews and recommend the agency to friends and family.

Cincinnatus Insurance LLC