Car Insurance in Cincinnati
Numbers refreshed
Car insurance in Cincinnati draws on Ohio averages, and local driving habits are shown too.
- $94The Ohio average each month for full coverage.
- 25/50/25.The state minimum limits.
The amounts drivers around Cincinnati pay
In Ohio, full coverage averages $1,134 a year, while the legal minimum averages $518. Prices in a big city usually sit above the state average, because of more traffic, more claims and more theft.
| Coverage in Ohio | Per year | Per month |
|---|---|---|
| Liability | $518 | $43 |
| Collision | $392 | $33 |
| Comprehensive | $225 | $19 |
| Full coverage (all three) | $1,134 | $94 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Cincinnati driving
| Census figure | Cincinnati |
|---|---|
| People | 311,224 |
| Average trip to work | 22 minutes |
| Drive to work alone | 65% |
| Homes with no car | 17% |
| Median household income | $52,909 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Estimate for you
With Ohio's calculator, the price comes from your age, your record and the car you drive. State rules are covered on Ohio car insurance requirements.
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