Just like any city, Cincinnati has its fair share of risks when driving around. Here are some local risks that make car insurance worth it: 

• River & Flash flooding: Streets along Covington and Newport that are near the Ohio River are at risk from facing flood damage when heavy rain hits.
• Winter Weather: Ice, snow, and freezing rain create substantial dangers on Cincinnati’s hills around Mt. Adams or Mt. Lookout.
• Traffic & Congestion: I-71, I-75, and I-275 see frequent traffic jams, especially around rush hour.
• Vehicle Teft & Vandalism: Over-the-Rhine and parts of Madisonville report higher theft rates.

Every driver in Cincinnati must meet liability standards set by the state of Ohio. The legal requirements for Cincinnati car insurance include: 

• $25,000 per person and $50,000 per accident in bodily injury liability.
• $25,000 per accident in property damage liability
• Uninsured/Underinsured Motorist (UM/UIM) coverage

Keep in mind, this is the minimum amount of coverage that you’re required to have if you’re the at-fault driver. Some accidents may be more severe or expensive, so it’ soften recommended that you increase these limits to avoid making costly out-of-pocket expenses. 

For more information on the state requirements, visit our Ohio car insurance page to read more. 

Meeting the legal requirements doesn’t protect yourself or your vehicle if you’re at fault. Because of this, consider adding these coverage options to your policy: 

• Comprehensive Coverage: Helps pay for non-collision damages (fire, theft, weather, etc.) caused by a covered incident. Subject to your deductible.
• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident, regardless of fault. Subject to your deductible.
• Gap Insurance: Only applicable for cars being paid off if they are deemed total losses. Helps cover the difference between what you owe and what the car is valued at.
• Roadside Assistance: Helps cover the cost of towing if your vehicle becomes undrivable.
• Rental Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired due to a covered accident.
• Medical Payments (MedPay): Helps pay for medical expenses for you and your passengers that were the result of a covered accident, regardless of fault.

This may not be a full list of every coverage available, and the descriptions are meant to be general in nature to give you an understanding of what they cover. 

Goosehead agents work with you, learning your lifestyle and needs, so that they can craft a policy that makes the most sense for you. 

On average, Cincinnati drivers pay roughly around $400 for liability-only insurance (policies that only meet the state minimums). Those that have more coverage tend to pay around $1,500 to $1,800 a year. 

However, what you pay for your premium will depend on more than just your coverage levels, deductibles, and carrier. Other factors include: 

• Location: Rates tend to be higher in areas that have high claims reports of weather damage or theft. Over-the-Rhine and West End have high theft reports while Newport and Covington see more flood-related risks.
• Driving Record: A history of accidents, violations, or claims all impact your rate.
• Age: Younger drivers don’t have as much experience and see higher rates due to increased risk.
• Vehicle Type: Vehicles that are highly customized or are labeled “luxury” see higher repair rates and have higher premiums.
• Mileage: It’s simple: the more you’re on the road, the higher your chances are of getting into an accident.
• Credit Score: Carriers are allowed to use your credit score as a rating factor.

This may not be every rating factor; however, these are some well-known and highly influential factors carriers consider. 

Protecting your car doesn’t have to break the bank. There are many ways to save or qualify for discounts on your premium:  

• Bundle Policies: It’s common for carriers to offer discounts when you bundle your auto policy with home or renters’ insurance.
• Safe Driver Discounts: Maintaining an accident-free history or taking defensive driving courses can help qualify you for discounts.
• Install Anti-Theft Devices: Carriers reward measures taken to lower the risk of your vehicle being stolen.
• Shopping Around: It’s possible to see lower rates if you shop before your policy renews. Goosehead makes it easy to make those comparisons and find a better rate.

Car insurance can be confusing to navigate by yourself. With Goosehead, you get a dedicated team to help you find coverage that makes the most sense for you. 

Here’s why drivers trust us: 

• State Expertise: Our agents are licensed in Ohio, so they’re aware of the risks Cincinnati drivers face.
• Comparisons Made Easy: We have access to a wide range of carriers, so we can make quick work of comparisons for you.
• Tailored Solutions: Get the coverage for what you need without paying for what you don’t.
• Top-Notch Service: Our agents make sure you get the service you need at every step of the way.