Driving in Cincinnati means navigating hilly terrain, sharp turns and traffic on major routes like Interstates 71 and 75. Winter snow and ice can make roads slick, while Ohio River fog reduces visibility. Reliable car insurance ensures you’re prepared for the city’s unique driving challenges.
We’ve gathered quotes from real Jerry customers in Cincinnati to show you how your age, driving record and preferred coverage level can affect your rate. Use this information to help choose a provider as you shop for insurance.
Cheapest minimum coverage insurance in Cincinnati
Drivers in Ohio are required to carry the following minimum coverages:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 for property damage liability.
Here are the cheapest quotes that real Jerry customers in Cincinnati have received for minimum coverage.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $32 | $382 | Commonwealth Insurance | 35 | February 3, 2025 | Cincinnati, OH | 45231 |
| $34 | $407 | Commonwealth Insurance | 52 | February 1, 2025 | Cincinnati, OH | 45244 |
| $36 | $430 | Commonwealth Insurance | 59 | January 20, 2025 | Cincinnati, OH | 45233 |
| $38 | $452 | Progressive | 52 | February 1, 2025 | Cincinnati, OH | 45244 |
| $38 | $458 | Trexis | 64 | February 2, 2025 | Cincinnati, OH | 45215 |
| $39 | $463 | Commonwealth Insurance | 31 | February 6, 2025 | Cincinnati, OH | 45215 |
| $39 | $466 | Progressive | 28 | May 13, 2024 | Cincinnati, OH | 45211 |
| $39 | $471 | Commonwealth Insurance | 61 | December 16, 2024 | Cincinnati, OH | 45238 |
| $41 | $488 | Trexis | 43 | May 28, 2024 | Cincinnati, OH | 45206 |
| $41 | $490 | Trexis | 43 | June 8, 2024 | Cincinnati, OH | 45206 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Cincinnati
Full coverage protects your finances in more situations than minimum coverage, including if bad weather damages your car and you need to make repairs, or if your car is stolen or vandalized.
Here are the cheapest full coverage quotes in Cincinnati, based on data from Jerry customers.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $42 | $500 | Progressive | 38 | June 11, 2024 | Cincinnati, OH | 45202 |
| $43 | $512 | Progressive | 45 | October 17, 2024 | Cincinnati, OH | 45238 |
| $46 | $548 | Progressive | 56 | January 14, 2025 | Cincinnati, OH | 45220 |
| $48 | $578 | Progressive | 26 | January 20, 2025 | Cincinnati, OH | 45241 |
| $51 | $606 | Progressive | 29 | May 24, 2024 | Cincinnati, OH | 45244 |
| $51 | $612 | Progressive | 27 | November 4, 2024 | Cincinnati, OH | 45245 |
| $55 | $656 | Progressive | 47 | December 21, 2024 | Cincinnati, OH | 45240 |
| $55 | $660 | Progressive | 38 | January 14, 2025 | Cincinnati, OH | 45230 |
| $56 | $672 | Progressive | 35 | January 16, 2024 | Cincinnati, OH | 45231 |
| $57 | $680 | Progressive | 66 | April 1, 2025 | Cincinnati, OH | 45213 |
Cheapest car insurance for young drivers in Cincinnati (18-29 years old)
Age influences your car insurance costs. As a young driver, you’re likely to pay a high insurance premium. Check out the cheapest quotes that young drivers in Cincinnati have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $39 | $466 | Progressive | 28 | No | May 13, 2024 | Cincinnati, OH | 45211 |
| $43 | $516 | Progressive | 28 | No | March 10, 2024 | Cincinnati, OH | 45236 |
| $44 | $523 | Commonwealth Insurance | 29 | No | April 5, 2025 | Cincinnati, OH | 45231 |
| $44 | $526 | Progressive | 29 | No | February 5, 2025 | Cincinnati, OH | 45240 |
| $46 | $552 | Progressive | 28 | No | March 12, 2024 | Cincinnati, OH | 45236 |
Cheapest car insurance for mature drivers in Cincinnati (30-54 years old)
Drivers between 30 and 54 years old can expect a steady decline in insurance rates. Here are the cheapest quotes that mature drivers in Cincinnati have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $32 | $382 | Commonwealth Insurance | 35 | No | February 3, 2025 | Cincinnati, OH | 45231 |
| $34 | $407 | Commonwealth Insurance | 52 | No | February 1, 2025 | Cincinnati, OH | 45244 |
| $38 | $452 | Progressive | 52 | No | February 1, 2025 | Cincinnati, OH | 45244 |
| $39 | $463 | Commonwealth Insurance | 31 | No | February 6, 2025 | Cincinnati, OH | 45215 |
| $41 | $488 | Trexis | 43 | No | May 28, 2024 | Cincinnati, OH | 45206 |
Cheapest car insurance for older drivers in Cincinnati (55+ years old)
Drivers older than 54 are likely to pay the lowest insurance rates until they reach their 70s, when rates start ticking upwards. Check out the cheapest quotes for older drivers in Cincinnati, based on Jerry data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $36 | $430 | Commonwealth Insurance | 59 | January 20, 2025 | Cincinnati, OH | 45233 | No |
| $38 | $458 | Trexis | 64 | February 2, 2025 | Cincinnati, OH | 45215 | No |
| $39 | $471 | Commonwealth Insurance | 61 | December 16, 2024 | Cincinnati, OH | 45238 | No |
| $43 | $512 | Progressive | 64 | February 2, 2025 | Cincinnati, OH | 45215 | No |
| $44 | $528 | Trexis | 57 | October 2, 2024 | Cincinnati, OH | 45224 | No |
Cheapest car insurance for drivers with clean records in Cincinnati
Keeping your driving record clean will help you keep your premium as low as possible. Check out the cheapest quotes for drivers in Cincinnati who have clean driving records, based on data from Jerry customers.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $32 | $382 | Commonwealth Insurance | 35 | February 3, 2025 | No | Cincinnati, OH | 45231 |
| $34 | $407 | Commonwealth Insurance | 52 | February 1, 2025 | No | Cincinnati, OH | 45244 |
| $38 | $452 | Progressive | 52 | February 1, 2025 | No | Cincinnati, OH | 45244 |
| $39 | $463 | Commonwealth Insurance | 31 | February 6, 2025 | No | Cincinnati, OH | 45215 |
| $39 | $471 | Commonwealth Insurance | 61 | December 16, 2024 | No | Cincinnati, OH | 45238 |
| $41 | $488 | Trexis | 43 | May 28, 2024 | No | Cincinnati, OH | 45206 |
| $41 | $490 | Trexis | 43 | June 7, 2024 | No | Cincinnati, OH | 45206 |
| $41 | $490 | Trexis | 43 | June 8, 2024 | No | Cincinnati, OH | 45206 |
| $42 | $500 | Progressive | 38 | June 11, 2024 | Yes | Cincinnati, OH | 45202 |
| $43 | $512 | Progressive | 45 | October 17, 2024 | Yes | Cincinnati, OH | 45238 |
Cheapest car insurance for drivers with low credit scores in Cincinnati
Ohio allows insurers to use your credit score to help determine your car insurance rate, and having a low score can cause your rates to be more expensive. Compare quotes from multiple providers to find the lowest-cost policy. Here are the cheapest quotes that drivers in Cincinnati with credit scores below 550 have received via Jerry.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $38 | $458 | Trexis | 64 | February 2, 2025 | Cincinnati, OH | 45215 |
| <550 | $42 | $510 | Commonwealth Insurance | 50 | March 9, 2025 | Cincinnati, OH | 45240 |
| <550 | $43 | $512 | Progressive | 64 | February 2, 2025 | Cincinnati, OH | 45215 |
| <550 | $49 | $591 | The General | 57 | December 25, 2024 | Cincinnati, OH | 45217 |
| <550 | $50 | $602 | Commonwealth Insurance | 35 | February 1, 2025 | Cincinnati, OH | 45213 |
Cheapest car insurance for drivers with at-fault accidents in Cincinnati
An at-fault accident typically causes an increase in your insurance rate. If you’ve had an at-fault accident, it’s wise to rate shop with multiple insurers before your policy renews to find the most affordable coverage. Here are the cheapest quotes for drivers in Cincinnati with accidents on their records, based on Jerry’s customer data.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $38 | $458 | Trexis | 64 | No | February 2, 2025 | Cincinnati, OH | 45215 |
| At Fault With No Injury | $42 | $510 | Commonwealth Insurance | 50 | No | March 9, 2025 | Cincinnati, OH | 45240 |
| At Fault With No Injury | $43 | $512 | Progressive | 64 | No | February 2, 2025 | Cincinnati, OH | 45215 |
| At Fault With No Injury | $43 | $516 | Progressive | 28 | No | March 10, 2024 | Cincinnati, OH | 45236 |
| At Fault With No Injury | $46 | $548 | Progressive | 56 | Yes | January 14, 2025 | Cincinnati, OH | 45220 |
Cheapest car insurance for drivers with speeding tickets in Cincinnati
Drivers with speeding tickets tend to pay more for car insurance, but insurers weigh tickets differently, so comparing quotes could save you money. Check out the cheapest quotes for drivers in Cincinnati with speeding tickets, based on Jerry’s data.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $36 | $430 | Commonwealth Insurance | 59 | January 20, 2025 | Cincinnati, OH | 45233 |
| Speeding under 15 | $39 | $466 | Progressive | 28 | May 13, 2024 | Cincinnati, OH | 45211 |
| Speeding over 15 | $44 | $526 | Progressive | 32 | January 28, 2024 | Cincinnati, OH | 45230 |
| Speeding over 15 | $45 | $546 | Commonwealth Insurance | 59 | November 9, 2024 | Cincinnati, OH | 45233 |
| Speeding over 15 | $49 | $590 | Progressive | 33 | November 11, 2023 | Cincinnati, OH | 45251 |
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
