Cheap Car Insurance Cincinnati

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cheap car insurance cincinnati Cincinnati is located on the north bank of the Ohio River in Hamilton County, which is the southwestern area of the state of Ohio. The city is undergoing significant changes due to new development and private investment. Cincinnati includes 22 miles of riverfront along the northern banks of the Ohio River. This and its historic architecture result in the city being commonly referred to as “Paris of America”. The cost of living in Cincinnati is 3% lower than the Ohio average, and 11% lower than the national average. Two-thirds of the American population live within a one-day drive of the city, and there are many activities that attract visitors year round. The Cincinnati Zoo, the second oldest zoo in the United States is one such attraction, along with professional theater and sports events. This makes for busy road and a lot of traffic congestion, so it is important to understand all the options for cheap car insurance Cincinnati has to offer.

The Cincinnati Police Department has more than 1,000 sworn officers, and before the riots of 2001, Cincinnati’s overall crime rate had been dropping steadily. After the riot, violent crime increased, but crime has been on the decline since. However, the overall crime rate in Cincinnati is 125% higher than the national average, and property crime is 113% higher than the state average and 122% higher than the nation’s average. These statistics can affect your insurance rates, so be sure to ask for any discounts available to off set these costs.

Cincinnati Insurance Requirements

cheap car insurance cincinnati 2The Insurance Research Council has found that as many as 15% of Ohio drivers have failed to carry car insurance in recent years. Failure to present proof of insurance while driving results in immediate license plate suspension and a minimum fine of $500.

  • Ohio mandatory minimum coverage for bodily injury or death of one person in an accident is $20,000.
  • Ohio mandatory minimum coverage for bodily injury or death of more than one person in an accident is $40,000.
  • Ohio mandatory minimum coverage for damage to property of another person is $15,000.

The minimum coverage may be all the law requires, but Cincinnatie is a highly populated city with very busy highways. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Cincinnati can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Public Transportation In Cincinnati

cheap car insurance cincinnati 3There are a number of public transportation options in Cincinnati, including a new streetcar system which opened in September 2016. The mile-long Cincinnati Skywalk, which was completed in 1997, remains a viable way to traverse downtown on foot. Cincinnati is served by the Southwest Ohio Regional Transit Authority (SORTA), the Transit Authority of Northern Kentucky (TANK) and the Clermont Transportation Connection. The number of people who take public transportation in Cincinnati is 56% higher than the national average, and the average travel time to work in Cincinnati is 13% lower than the national average