Cincinnati Cheap Car Insurance (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 29, 2025
Insurance price card

Cincinnati Cheap Car Insurance (July 2025)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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.

More: Best car insurance in Ohio

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 car insurance quotes that real Jerry customers in Cincinnati have received for minimum coverage.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$28 $330 Progressive 46 July 17, 2025 Cincinnati, OH 45240
$30 $362 Geico 48 July 2, 2025 Cincinnati, OH 45202
$30 $364 Progressive 39 June 16, 2025 Cincinnati, OH 45255
$31 $374 Geico 28 April 20, 2025 Cincinnati, OH 45220
$33 $392 Progressive 29 February 5, 2025 Cincinnati, OH 45240
$34 $407 Commonwealth Insurance 52 February 1, 2025 Cincinnati, OH 45244
$34 $408 Progressive 43 June 21, 2025 Cincinnati, OH 45211
$35 $426 Commonwealth Insurance 69 July 15, 2025 Cincinnati, OH 45217
$36 $432 Progressive 53 May 27, 2025 Cincinnati, OH 45214
$36 $436 Commonwealth Insurance 37 June 13, 2025 Cincinnati, OH 45212
Last Updated Jul 30, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

More: Cheapest car insurance in Ohio

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$44 $523 Safeco 65 July 15, 2025 Cincinnati, OH 45241
$50 $600 Geico 65 May 25, 2025 Cincinnati, OH 45229
$53 $630 Progressive 59 May 13, 2025 Cincinnati, OH 45239
$53 $634 Progressive 38 March 18, 2025 Cincinnati, OH 45238
$57 $680 Progressive 37 June 15, 2025 Cincinnati, OH 45238
$61 $730 Liberty Mutual 39 June 5, 2025 Cincinnati, OH 45243
$67 $804 Progressive 32 April 18, 2025 Cincinnati, OH 45239
$67 $806 Progressive 65 March 8, 2025 Cincinnati, OH 45239
$68 $812 Progressive 52 February 1, 2025 Cincinnati, OH 45244
$69 $830 Gainsco 45 June 28, 2025 Cincinnati, OH 45252
Last Updated Jul 30, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$41 $490 Geico 27 No April 21, 2025 Cincinnati, OH 45229
$46 $554 Geico 24 No March 29, 2025 Cincinnati, OH 45202
$53 $637 Dairyland 29 No June 15, 2025 Cincinnati, OH 45227
$64 $770 National General 22 No July 24, 2025 Cincinnati, OH 45236
$70 $840 Progressive 29 Yes March 10, 2025 Cincinnati, OH 45238
Last Updated Jul 30, 2025

More: Get cheap car insurance the smart way, today

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$28 $330 Progressive 46 No July 17, 2025 Cincinnati, OH 45240
$30 $364 Progressive 39 No June 16, 2025 Cincinnati, OH 45255
$34 $407 Commonwealth Insurance 52 No February 1, 2025 Cincinnati, OH 45244
$34 $408 Progressive 43 No June 21, 2025 Cincinnati, OH 45211
$36 $436 Commonwealth Insurance 37 No June 13, 2025 Cincinnati, OH 45212
Last Updated Jul 30, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$50 $600 Geico 65 May 25, 2025 Cincinnati, OH 45229 Yes
$50 $602 Progressive 64 July 10, 2025 Cincinnati, OH 45229 No
$53 $630 Progressive 59 May 13, 2025 Cincinnati, OH 45239 Yes
$57 $680 Progressive 57 June 27, 2025 Cincinnati, OH 45217 No
$57 $680 Clearcover 65 July 15, 2025 Cincinnati, OH 45241 No
Last Updated Jul 30, 2025

More: Best car insurance for seniors

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$28 $330 Progressive 46 July 17, 2025 No Cincinnati, OH 45240
$30 $364 Progressive 39 June 16, 2025 No Cincinnati, OH 45255
$34 $407 Commonwealth Insurance 52 February 1, 2025 No Cincinnati, OH 45244
$34 $408 Progressive 43 June 21, 2025 No Cincinnati, OH 45211
$36 $436 Commonwealth Insurance 37 June 13, 2025 No Cincinnati, OH 45212
$37 $446 Progressive 44 June 22, 2025 No Cincinnati, OH 45224
$41 $490 Geico 27 April 21, 2025 No Cincinnati, OH 45229
$46 $554 Geico 24 March 29, 2025 No Cincinnati, OH 45202
$50 $600 Geico 65 May 25, 2025 Yes Cincinnati, OH 45229
$50 $602 Progressive 64 July 10, 2025 No Cincinnati, OH 45229
Last Updated Jul 30, 2025

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 the Jerry app.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $45 $541 The General 57 May 14, 2025 Cincinnati, OH 45217
<550 $50 $602 Commonwealth Insurance 35 February 1, 2025 Cincinnati, OH 45213
<550 $60 $722 Progressive 64 May 18, 2025 Cincinnati, OH 45215
<550 $62 $739 The General 34 July 19, 2025 Cincinnati, OH 45242
<550 $63 $752 Trexis 37 May 20, 2024 Cincinnati, OH 45238
Last Updated Jul 24, 2025

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 go shopping for car insurance 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
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $46 $552 Progressive 28 No March 12, 2024 Cincinnati, OH 45236
At Fault With No Injury $49 $586 Commonwealth Insurance 49 No December 25, 2024 Cincinnati, OH 45209
At Fault With No Injury $50 $602 Commonwealth Insurance 35 No February 1, 2025 Cincinnati, OH 45213
At Fault With No Injury $59 $703 The General 49 No March 4, 2024 Cincinnati, OH 45255
At Fault With No Injury $60 $718 Progressive 45 No August 22, 2024 Cincinnati, OH 45202
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with speeding tickets in Cincinnati

Drivers with speeding citations 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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $39 $466 Progressive 28 May 13, 2024 Cincinnati, OH 45211
Speeding under 15 $50 $598 Progressive 26 May 19, 2025 Cincinnati, OH 45212
Speeding over 15 $50 $602 Commonwealth Insurance 35 February 1, 2025 Cincinnati, OH 45213
Speeding under 15 $63 $753 Commonwealth Insurance 44 August 29, 2024 Cincinnati, OH 45231
Speeding over 15 $69 $826 Commonwealth Insurance 33 July 27, 2024 Cincinnati, OH 45251
Last Updated Jul 24, 2025
MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has 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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.