For a 40-year-old driver with a clean record, Cincinnati car insurance averages about $152 a month ($1,827 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 11% above the Ohio average of $137 a month. Progressive has the lowest full-coverage average of the four major insurers we compared (Allstate, Erie, GEICO and Progressive), at about $102 a month.
Cincinnati is priced above the Ohio average. Our benchmark driver pays about $15 a month more here than the state average and about $18 a month more than in Dayton, about 50 miles north.
Our data covers 42 ZIP codes with a Cincinnati mailing address, more than any other Ohio city, including suburbs across Hamilton County and beyond. They range from about $126 a month in 45245 to $172 in 45214.
Cost data comes from the auto rates insurers file with state regulators, priced across all 42 Cincinnati ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Cincinnati, OH?
Full coverage in Cincinnati averages $1,827 a year, or about $152 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $548 a year ($46 a month), and 50/100/50 liability with comprehensive and collision averages $1,833 ($153 a month).
- Full coverage (100/300/100, $500 deductibles): $1,827 a year ($152 a month)
- 50/100/50 with $500 deductibles: $1,833 a year ($153 a month)
- Liability only (15/30/10): $548 a year ($46 a month)
- Hamilton County: $1,832 a year ($153 a month) for full coverage
- Ohio average: $1,638 a year ($137 a month) for full coverage
- ZIP code range: $126 (45245) to $172 (45214) a month for full coverage
Cheap Car Insurance in Cincinnati: Companies Compared
- Lowest average in our data, full coverage: Progressive, at about $102 a month ($1,227 a year).
- Next lowest: Erie, at about $136 a month, then GEICO at $140.
- Lowest liability-only average among the four major insurers we compared (15/30/10): Progressive, at about $28 a month, then Erie at $37.
- State Farm (Nov. 2025 rates)*: about $135 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $96 a month, Grange at $119, Auto-Owners at $153, Westfield at $168 and Travelers at $213 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $231 a month, $1,540 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the four insurers in our Cincinnati rate data. The published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA, which sells only to military families; others put Travelers or Auto-Owners first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among these four insurers, at about $28 a month, followed by Erie at $37.
Full-coverage averages by insurer in Cincinnati
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $335 | $28 | $1,227 | $102 |
| Erie | $447 | $37 | $1,628 | $136 |
| GEICO | $550 | $46 | $1,685 | $140 |
| Allstate | $862 | $72 | $2,767 | $231 |
| State Farm (Nov. 2025 rates)* | $443 | $37 | $1,623 | $135 |
| USAA (military families)* | $304 | $25 | $1,151 | $96 |
| Grange Insurance* | $310 | $26 | $1,424 | $119 |
| Auto-Owners* | $431 | $36 | $1,836 | $153 |
| Westfield* | $441 | $37 | $2,016 | $168 |
| Travelers* | $785 | $65 | $2,551 | $213 |
| Cincinnati average | $548 | $46 | $1,827 | $152 |
This table uses Cincinnati ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Cincinnati Car Insurance Rates by ZIP Code
Across the 42 Cincinnati ZIP codes we price, full coverage for our driver ranges from about $126 a month in 45245 to $172 in 45214, a gap of $555 a year. Eastern suburban ZIP codes such as 45244, 45245 and 45255, in and near Anderson Township on the city’s east side, are the least expensive in our data, and west-side ZIP codes near downtown, such as 45205, 45214 and 45225, are the most expensive.
Lowest-priced Cincinnati ZIP codes
Highest-priced Cincinnati ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Cincinnati’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 45202 | $546 | $46 | $1,877 | $156 | +3% |
| 45204 | $578 | $48 | $2,019 | $168 | +11% |
| 45205 | $582 | $49 | $2,056 | $171 | +13% |
| 45206 | $581 | $48 | $1,969 | $164 | +8% |
| 45207 | $578 | $48 | $1,975 | $165 | +9% |
| 45208 | $541 | $45 | $1,816 | $151 | -1% |
| 45209 | $542 | $45 | $1,808 | $151 | -1% |
| 45211 | $574 | $48 | $1,914 | $160 | +5% |
| 45212 | $539 | $45 | $1,816 | $151 | -1% |
| 45213 | $549 | $46 | $1,822 | $152 | About average |
| 45214 | $583 | $49 | $2,067 | $172 | +13% |
| 45215 | $550 | $46 | $1,735 | $145 | -5% |
| 45216 | $569 | $47 | $1,910 | $159 | +5% |
| 45217 | $577 | $48 | $1,969 | $164 | +8% |
| 45219 | $574 | $48 | $1,992 | $166 | +9% |
| 45220 | $575 | $48 | $1,994 | $166 | +9% |
| 45223 | $579 | $48 | $2,008 | $167 | +10% |
| 45224 | $574 | $48 | $1,953 | $163 | +7% |
| 45225 | $582 | $49 | $2,049 | $171 | +13% |
| 45226 | $530 | $44 | $1,767 | $147 | -3% |
| 45227 | $546 | $46 | $1,789 | $149 | -2% |
| 45229 | $582 | $49 | $2,014 | $168 | +11% |
| 45230 | $528 | $44 | $1,706 | $142 | -7% |
| 45231 | $550 | $46 | $1,766 | $147 | -3% |
| 45232 | $578 | $48 | $2,015 | $168 | +11% |
| 45233 | $543 | $45 | $1,721 | $143 | -6% |
| 45236 | $526 | $44 | $1,697 | $141 | -7% |
| 45237 | $559 | $47 | $1,903 | $159 | +5% |
| 45238 | $558 | $47 | $1,867 | $156 | +3% |
| 45239 | $567 | $47 | $1,839 | $153 | +1% |
| 45240 | $544 | $45 | $1,732 | $144 | -5% |
| 45241 | $521 | $43 | $1,661 | $138 | -9% |
| 45242 | $517 | $43 | $1,651 | $138 | -9% |
| 45243 | $526 | $44 | $1,688 | $141 | -7% |
| 45244 | $484 | $40 | $1,542 | $129 | -15% |
| 45245 | $471 | $39 | $1,512 | $126 | -17% |
| 45246 | $544 | $45 | $1,743 | $145 | -5% |
| 45247 | $518 | $43 | $1,736 | $145 | -5% |
| 45248 | $521 | $43 | $1,688 | $141 | -7% |
| 45249 | $518 | $43 | $1,670 | $139 | -9% |
| 45251 | $539 | $45 | $1,748 | $146 | -4% |
| 45255 | $485 | $40 | $1,529 | $127 | -16% |
Your ZIP code matters
Does Better Coverage Cost More in Cincinnati?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Cincinnati data: with the same $500 deductibles, full coverage averages $1,827 a year and 50/100/50 averages $1,833. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Cincinnati?
Not for our benchmark driver. Comparing the same insurers in the same Cincinnati ZIP codes, full coverage averaged $1,914 a year nine months earlier and $1,827 in rates as of Aug. 31, 2026, a 4.5% drop. Progressive cut its Cincinnati average 19.0% and Erie 3.6%, while Allstate’s and GEICO’s averages were unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 4.5%, led by Progressive, which cut its liability-only average 25.9%.
What Shapes Car Insurance Costs in Cincinnati
Hamilton County averages about $153 a month for full coverage, the second-most expensive of the 86 Ohio counties we price, behind only Franklin County ($157). Nearby counties cost less: Butler County averages $135, Clermont County $129 and Warren County $128.
Nearby cities vary: West Chester averages about $134 a month, Mason $130, Loveland $130 and Hamilton $138. Prices depend on where in Ohio you live, not just on your car and driving record.
How Cincinnati Car Insurance Compares With Other Ohio Cities
More Ohio cities and towns are in the Ohio rates by city table, and you can compare states on our car insurance rates by state page.
Dayton, about 50 miles north, averages $134 a month, and Columbus, about 100 miles northeast, $161. Cleveland averages $158.
What Car Insurance Is Required in Cincinnati?
Drivers in Cincinnati follow Ohio’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
Uninsured and underinsured motorist coverage is optional in Ohio, and insurers don’t have to include it, so check whether your policy has it. Our Ohio requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Cincinnati
- Compare Progressive and Erie first. They have the two lowest full-coverage averages among the four major insurers we compared in Cincinnati, about $102 and $136 a month.
- Quote several insurers. In our Cincinnati data, the lowest and highest insurer averages are about $129 a month apart for the same driver and car.
- Ask about uninsured motorist coverage. It’s optional in Ohio and insurers don’t have to include it, so add it if you want protection when a driver with no insurance or too little insurance injures you.
- Compare at every renewal. Over the past nine months, Progressive has cut its Cincinnati average 19.0% and Erie 3.6%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Ohio home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Cincinnati Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 168 full-coverage premiums from four insurers across 42 Cincinnati ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Ohio averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Ohio’s minimum has been 25/50/25 since December 2013, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Ohio rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Ohio law and the Ohio Department of Insurance. We refresh these figures when new rate data is released.
Cincinnati Car Insurance FAQ
For our benchmark driver, full coverage in Cincinnati averages about $152 a month ($1,827 a year) and liability-only coverage at 15/30/10 limits about $46 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 11% above the Ohio average of $137 a month.
Progressive has the lowest full-coverage average in our Cincinnati rate data, at about $102 a month, followed by Erie at $136. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among the four major insurers we compared, at about $28 a month. The published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Dayton, for our benchmark driver. Dayton full coverage averages about $134 a month and Cincinnati about $152, a difference of about $18 a month for the same driver and car.
In our data, 45245 has the lowest full-coverage average in Cincinnati, at about $126 a month, and 45214 the highest, at about $172. The ZIP code table on this page lists all 42.
In our Cincinnati data, full coverage (100/300/100 with $500 deductibles) averages about $152 a month and liability-only coverage at 15/30/10 limits about $46, a difference of about $106 a month ($1,279 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Ohio law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Cincinnati full coverage fell 4.5% over the past nine months, from about $1,914 to $1,827 a year. Progressive cut its Cincinnati average 19.0% and Erie 3.6%. Liability-only coverage at 15/30/10 limits fell 4.5%.
For our benchmark driver, full coverage in Cincinnati averages about $152 a month. Nearby, Dayton averages about $134, Columbus about $161 and Toledo about $150. Dayton and Toledo are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
