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Last updated: October 27, 2025Best Cheap Car Insurance in Cincinnati
American Family, USAA, Nationwide, Erie, and Progressive are our top picks in Cincinnati, Ohio.
Cheapest
Editor's Rating:4.4/5
Average Cost in Cincinnati
- Full Coverage Monthly: $71
- Minimum Coverage Monthly: $33
Best for Military and Veterans
Editor's Rating:5/5
Average Cost in Cincinnati
- Full Coverage Monthly: $90
- Minimum Coverage Monthly: $34
Best for Usage-Based Insurance
Editor's Rating:4.8/5
Average Cost in Cincinnati
- Full Coverage Monthly: $98
- Minimum Coverage Monthly: $34
Key Takeaways
- Auto insurance in Cincinnati is more expensive than the Ohio car insurance average. The average annual rate for full coverage in Cincinnati is $1,768, compared with $1,401 for all of Ohio. For minimum coverage, the Cincinnati average is $561 annually, compared with the state average of $504 annually.
- Based on our research, American Family is our overall best pick for most drivers looking for cheap car insurance. USAA and Nationwide are other good, low-cost options.
- Exactly how much you’ll pay depends on a number of factors, like your ZIP code, age, vehicle and driving history. Compare quotes from a few companies to find the cheapest rates.
Our Top Picks for the Best Cheap Auto Insurance in Cincinnati
- Cheapest: American Family
- Best for Military and Veterans: USAA
- Best for Usage-Based Insurance: Nationwide
- Best Value: Erie
- Best for Online Quotes: Progressive
Compare the Best Cheap Auto Insurance in Cincinnati
| Company | Full coverage annual average | Minimum coverage annual average | North Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| American Family | $849 | $396 | Above average |
| USAA | $1,079 | $404 | Above average* |
| Nationwide | $1,181 | $409 | Above average |
| Erie | $1,380 | $375 | Above average (Ranked highest) |
| Progressive | $1,411 | $450 | Below average |
| Cincinnati average | $1,768 | $561 | – |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Detailed List of the Best Cheap Providers in Cincinnati
1. Cheapest - American Family
What We Like Most:
- Cheapest full coverage averages in Cincinnati
- High customer satisfaction
- Low consumer complaints
Why we chose it
American Family consistently provides the cheapest full coverage auto insurance in Cincinnati, with an average rate that’s less than half the Cincinnati average. According to third-party sources, such as J.D. Power, customer satisfaction for American Family is on par with regional and national averages, and its NAIC Complaint Index (a metric for comparing the quantity of consumer complaints) is the lowest of our five picks.
Who it’s best for
Cincinnati drivers looking for the best deal for full coverage should consider American Family, as this provider’s average annual rate is $230 less than its nearest competitor. The company uses captive agents, and has strong ratings for digital tools, making it a good option regardless of preference for human or digital policy management. On the other hand, if you prioritize claims handling, you might want to consider a provider like Erie, as American Family’s reviews were somewhat inconsistent, scoring slightly lower than average on J.D. Power’s claims satisfaction survey.
American Family Cincinnati Pricing
| American Family | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $71 | $33 |
| Annually | $849 | $396 |
| Difference from Cincinnati average | -52% | -29% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Affordable and reliable for military and veterans
- Cheap rates in Cincinnati
- Customer satisfaction ratings higher than regional average
Why we chose it
USAA consistently delivers affordable, reliable auto insurance to customers affiliated with the military, and the Cincinnati market is no exception. Along with American Family, USAA provides, on average, the cheapest full coverage insurance in Cincinnati. It also boasts very high J.D. Power customer satisfaction ratings, scoring more than 80 points higher than the regional average.
Who it’s best for
USAA is available only to active-duty military, veterans and their families; nonmilitary customers will have to look elsewhere. But for customers affiliated with the military, USAA is a strong choice.
USAA Cincinnati Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $90 | $34 |
| Annually | $1079 | $404 |
| Difference from Cincinnati Average | -39% | -28% |
3. Best for Usage-Based Insurance - Nationwide
What We Like Most:
- Second-cheapest full coverage averages in Cincinnati
- Solid customer satisfaction ratings
- Plethora of incentives and programs
Why we chose it
Nationwide has the second-cheapest full coverage averages in Cincinnati that’s available to people without a military affiliation. Nationwide also boasts solid customer satisfaction ratings, scoring about thirty points higher than average on J.D. Power’s regional and claims satisfaction surveys. It’s also one of the few major providers to offer pay-per-mile insurance in most states, including Ohio.
Who it’s best for
Nationwide is a good option for drivers in Cincinnati with clean records who are looking for affordable car insurance without compromising on service. Safe drivers can get up to 40 percent off at renewal with Nationwide SmartRide, a usage-based tracking program that provides discounts for safe driving. That’s one of the biggest advertised telematics discounts on the market. Alternately, those who drive fewer than 8,000 miles annually may save with its pay-per-mile program, SmartMiles.
DID YOU KNOW?
In addition to telematics programs, there are a number of other car insurance discounts, including savings for bundling policies, having multiple cars on the same policy, and driving safely.
Nationwide Cincinnati Pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $98 | $34 |
| Annually | $1,181 | $409 |
| Difference from Cincinnati Average | -33% | -27% |
4. Best Value - Erie
What We Like Most:
- Cheapest minimum coverage in Cincinnati
- Easy to start an online quote
- #1 in the North Central region according to J.D. Power
Why we chose it
Erie currently boasts the highest score on the J.D. Power customer satisfaction ranking in North Ohio. One standout feature is its Rate Lock, which lets you lock your premium and avoid unexpected rate hikes. As long as you don’t make major changes, such as adding or removing a driver, switching vehicles, or moving to a new address, your rate will stay the same, year after year.
Who it’s best for
Erie is ideal for drivers in Cincinnati who prioritize value, and don’t want to overcomplicate their car insurance. Erie offers predictable outcomes, and the cheapest minimum coverage in the area. For drivers who are content with Erie’s current rates and don’t plan on changing their car insurance plan anytime soon, Erie is an excellent pick. It also offers rideshare insurance, for people who drive for services like Uber, Lyft, or DoorDash.
Erie Cincinnati Pricing
| Erie | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $115 | $31 |
| Annually | $1,380 | $375 |
| Difference from Cincinnati Average | -22% | -33% |
5. Best for Online Quotes - Progressive
What We Like Most:
- Easy online quotes
- Name Your Price tool helps you budget
- Affordable rates with a DUI
Why we chose it
Progressive’s rates in Cincinnati aren’t the cheapest, but they still fall below the citywide average. The company has some of the cheapest rates in Ohio for drivers with a DUI, along with USAA and Erie. Its Name Your Price Tool allows you to set a budget for your car insurance payments, and use that as a starting point to determine how much coverage you need.
Who it’s best for
For those in Cincinnati who prefer a digital approach to auto insurance, Progressive offers a seamless experience without the need to visit an agent.
Progressive Cincinnati Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $118 | $37 |
| Annually | $1,411 | $450 |
| Difference from Cincinnati Average | -20% | -20% |
Cincinnati Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – North Central1 | CRASH Network Insurer Report Card2 | J.D. Power Claims Satisfaction Study3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| American Family | 653 | C+ | 692 | 0.47 |
| USAA | 728 | D+ | 726 | 1.22 |
| Nationwide | 674 | C | 728 | 0.90 |
| Erie | 684 | A- | 733 | 0.67 |
| Progressive | 634 | C | 672 | 0.98 |
| Average | 643 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Cincinnati
American Family, USAA, and Nationwide have the cheapest average full coverage car insurance rates in Cincinnati.
| Company | Monthly full coverage | Annual full coverage |
|---|---|---|
| American Family | $71 | $849 |
| USAA | $90 | $1,079 |
| Nationwide | $98 | $1,181 |
| Hastings Mutual | $102 | $1,220 |
| Central Insurance | $106 | $1,268 |
| State Farm | $111 | $1,330 |
| Erie | $115 | $1,380 |
| Travelers | $116 | $1,390 |
| GEICO | $118 | $1,411 |
| Progressive | $118 | $1,411 |
| Auto-Owners | $135 | $1,624 |
| Grange | $165 | $1,975 |
| Allstate | $200 | $2,405 |
| Cincinnati average | $147 | $1,768 |
| Ohio average | $117 | $1,401 |
| National average | $200 | $2,399 |
Cheapest Minimum Coverage Car Insurance in Cincinnati
On average, the cheapest auto insurance provider for minimum coverage in Cincinnati is Erie, with an average annual rate of $375, or $31 per month — 33 percent below the city average.
| Company | Monthly minimum coverage | Annual minimum coverage |
|---|---|---|
| Erie | $31 | $375 |
| American Family | $33 | $396 |
| Auto-Owners | $33 | $398 |
| USAA | $34 | $404 |
| Nationwide | $34 | $409 |
| GEICO | $36 | $429 |
| Travelers | $37 | $444 |
| Progressive | $38 | $450 |
| Allstate | $63 | $761 |
| Cincinnati average | $47 | $563 |
| Ohio average | $42 | $504 |
| National average | $53 | $635 |
FYI:
Although minimum coverage is substantially cheaper than full coverage, it will likely cost you more out of pocket if you end up in a crash. See if minimum coverage is enough for your needs.
How many automotive collisions happen in Cincinnati?
For the past three years, there have been about 15,000 to 16,000 auto collisions per year in Cincinnati. In 2024, there were 15,427 crashes, of which 30 were fatal, 3,173 involved injuries, and 12,224 involved property damage only. As of late October, there have been 12,161 crashes in 2025, which is roughly on track with the past three years’ worth of trends.
STAY ALERT FOR PEDESTRIANS AND CYCLISTS:
Collisions involving pedestrians account for a disproportionate quantity of fatalities; while pedestrians were involved in only 2 percent of all automotive crashes in Cincinnati, almost 25 percent of fatal crashes involved pedestrians.
Some of the most dangerous streets for drivers in Cincinnati are Reading Road and Glenway Avenue. Each of these roads was the site of at least 300 more collisions than the third-most dangerous road. The neighborhood with the most car crashes was Westwood.5
Minimum Auto Insurance Requirements in Cincinnati
Cincinnati has the same requirements as the rest of Ohio:
- Bodily injury liability: $25,000 for one person’s injury or death/$50,000 for the injury or death of two or more people in one accident
- Property damage: $25,000 for property damages per accident6
Frequently Asked Questions
What is a deductible?
A deductible is the amount you are required to pay out of pocket before your insurance provider begins to reimburse you. For example, if you have a $500 deductible and get into a collision that causes $5,000 worth of damages, you are responsible for paying the first $500, and the insurance would take care of the remaining $4,500. However, smaller deductibles are a trade-off because smaller deductibles tend to raise premiums. Generally, a $1,000 deductible strikes a good balance, because you want to avoid filing claims for under that amount.
Who has the cheapest auto insurance in Cincinnati?
On average, American Family has the cheapest full coverage auto insurance in Cincinnati, while Erie has the cheapest minimum coverage. However, these are just averages, so your rate may vary based on factors that are unique to you. That’s why it’s important to get quotes from multiple providers.
Can I get non-owner auto insurance in Cincinnati?
Yes, you can get non-owner car insurance in Cincinnati. If you drive often but don’t own a car — for example, you rent or borrow cars frequently (including carshare services like ZipCar or Turo) — non-owner auto insurance is a wise, cheap option. Providers such as (despite the name) Auto-Owners offer inexpensive non-owner auto insurance for Cincinnati customers.
How do I ensure I get the cheapest insurance possible?
It’s important to compare plans when you’re looking into getting automotive insurance. Securing quotes from a number of providers is the best way to make sure you’re getting the best deal available. It can also be helpful to contact an insurance agent to help you work through your options.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Cincinnati, Ohio, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmTraffic Crashes. City of Cincinnati. (2025).
https://insights.cincinnati-oh.gov/stories/s/Traffic-Crashes/sj28-dfcf/Mandatory Insurance. Ohio Bureau of Motor Vehicles. (2025).
https://www.bmv.ohio.gov/dl-mandatory-insurance.aspx
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