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Best Cheap Auto Insurance in Cincinnati 45249

Are you looking for cheap auto insurance in Cincinnati? Auto Insurance Center is here to provide you with the best cheap auto insurance rates all while helping you learn more about your city.

Located on the banks of the Ohio River, Cincinnati is known for historical architecture and love of chili. In fact, Cincinnati has more chili restaurants per capita than any other U.S. city.

After the Revolutionary War, Col. Robert Patterson, Matthias Denman and Israel Ludlow settled on the north bank of the Ohio River in 1788. The area was officially incorporated as a city in 1819.

In the 1800s, Cincinnati grew into a meatpacking center and a city of commerce for those traveling on the Ohio River. Nicknamed, “The Queen City” the area experienced rapid growth and was the first major American city created after the Revolutionary War.

German and Irish immigrants also migrated to Cincinnati during the 1800s. By the end of the century, Cincinnati was an industrial, political, literary and educational center in Ohio and in the United States.

Today, Cincinnati is the national headquarters for Kroger, Procter & Gamble and Macy’s Inc.

Top Cincinnati attractions include: Cincinnati Zoo, Cincinnati Art Museum, John A. Roebling Suspension Bridge, Eden Park, Findlay Market, Fountain Square, American Sign Museum and Kings Island.

Cincinnati cuisine has German influences. As for chili, Cincinnati chili consists of Mediterranean-spiced chili over spaghetti or a hot dog. Another common food found within Cincinnati is Goetta, a meat-and-grain sausage.

Cincinnati is home to two professional sports teams, the Reds (MLB) and Bengals (NFL). The Reds have had the most success, having won five World Series Titles. Cincinnati is also home to the ATP Masters 1000 and WTA Premier 5 professional tennis tournament.

Cincinnati Driving Conditions

Cincinnati is located between both the humid subtropical and humid continental climate zones. The annual high temperature is 64.8 degrees and the annual low is 44.5 degrees. It rains heavily in the summer, with hot and humid conditions. In the winter, Cincinnati does receive snow storms, with colder temperatures. Though Cincinnati is not located in Tornado Alley, occasional tornadoes are present, along with severe thunderstorms.

Crime Statistics

According to the 2015 Crime in the United States report, Ohio had 300,525 accounts of property crime and 17,229 accounts of vehicle theft. Within cities and metropolitan areas in Ohio, vehicle theft was reported 16,178 times.

Ohio Driver’s Licence

As a legal resident of Ohio, you’ll need to obtain an Ohio driver’s licence. You will need to bring your current out-of-state driver’s licence, proof of your full legal name, proof of your Social Security number, proof of Ohio residency and proof of citizenship or legal presence to the DMV.

In addition, you will have to take a vision screening and pass the knowledge test.

Seat Belt Laws

Every driver and front seat passenger must wear a seatbelt in Ohio. Violators may have to pay a fine, ranging from $20 to $30.

Children under 8 years old must ride in a booster seat or other appropriate child safety seat, unless they are 4 feet, 9 inches tall. Fines range from $25 to $75.

Cell Phone & Texting Laws

Though cell phone use is not banned in Ohio for adults, drivers under 18 years old are not allowed to use a cell phone while driving, unless for emergency purposes.

In 2013, Ohio passed a law banning texting while driving. This same law also prohibits drivers under the age of 18 to use cell phones or other mobile devices. Those under the age of 18 caught texting or using a cell phone while driving will face a $150 fine and 6 month license suspension. Adults caught texting and driving could face a fine of up to $150.

Odd Law

In Ohio, it is illegal for more than five women to live in a house together.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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