Cincinnati Car Insurance Guide

Coverage you'll be 'Over-the-Rhine' for

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Spinning your wheels trying to get the best car insurance in Cincinnati? The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident. 

You can drive with confidence in Cincy knowing you’re covered with Lemonade Car

Insurance requirements and limitations in Cincinnati are determined by the great state of Ohio. When you apply for Lemonade Car, we’ll automatically get you hooked up with the coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.

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Read on to learn about how you can get the best rates on car insurance in Cincinnati. Here’s what we’ll discuss:

What car insurance coverage is required in Cincinnati?

The state of Ohio requires all Cincinnati drivers to have car insurance. 

Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.

For example, Ohio drivers are required to have a minimum of $25,000/$50,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)

To comply with Ohio’s car insurance coverage requirements, Cincinnati drivers need the following coverages and minimum coverage amounts:

Required minimum coverages for Cincinnati driversMinimum amount required
Bodily injury liability coverage$25,000/50,000
Property damage liability coverage$25,000

Keep in mind: Your levels of bodily injury and property damage liability coverage don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.

Additional coverages available to Cincinnati drivers

Cincinnati drivers who drive with Lemonade Car can (and arguably should) add the following coverages to their auto insurance policy to boost their protection behind the wheel. 

What add-on coverages does Lemonade Car offer?What can it help pay for?
Collision coverageTo repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on)
Comprehensive coverageTo fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Medical payments coverage (aka MedPay)Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Uninsured motorist coverage/underinsured motorist bodily injury coverageMedical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Uninsured/underinsured motorist property damage coverageTo repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Temporary transportation coverageTransportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Extended glass coverageTo replace your windshield, your sunroof, or your back glass if it’s damaged.

Want to dive into the nitty-gritty of what Ohio car insurance has to offer? Get the full scoop here

How much does Lemonade Car insurance cost in Cincinnati?

Well, that depends. 

Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles. 

But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price for your car insurance policy.

When you buy a Lemonade Car policy, you’ll have the chance, over every six-month term, to prove your safe driving habits and potentially lower your price. Those habits can boost your Lemonade Safety Score and possibly lower your cost of car insurance (especially if you maintain a clean driving record).

Here’s a shout-out to our low-mileage drivers—the less you drive, the more you save. Along with lots of other factors, we consider how much you drive (or how little in your case) to come up with your price, making Lemonade especially ideal for the low-mileage driver.  

The right car insurance combines the coverage you need with a rate and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and how you can lower the cost of your rates. 

The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website

Click below to get your car insurance quote in Cincinnati. 

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Best day trips around Cincinnati 

Cincinnati car insurance
You can easily slip away from the city and soak up this beautiful waterfall. It’s just a little over an hour drive to Glen Helen Nature Preserve.

Looking to get away for the day? Buckle up: These quick road trips can satisfy your wanderlust without taking you too far from Cincy.

The Glen Helen Nature Preserve

Right next to the quaint town of Yellow Springs, the Glen Helen Nature Preserve is just a little over an hour from Cincy. The preserve stretches over 1,125 acres and is laced with 15 miles of walking trails. In addition to the 400-year-old trees and beautiful wild flowers, visitors can also check out the Glen Helen Raptor Center, or attend one of the many educational programs the preserve has to offer.

Big Bone Lick State Park

Just about a half an hour away from Cincy, Big Bone Lick State Park is named after the remains of the huge megafauna that used to roam the area during the Ice Age found there. According to its website it hosts displays on “paleontology, Ordovician geology, Ice Age mammals, Native American history, the chronology of science at Big Bone, and ongoing research currently underway at the park.” For the less scientifically minded it also hosts hiking, fishing, putt-putt golf, and more.

The Serpent Mound

The Serpent Mound is one of the largest ancient effigy sites in the world. Built in the shape of a snake with a curled tail, it is thought to have been created by the Adena people who lived in the area about 900 years ago (although the exact dating is unclear). Due to its age and significance the site has been declared a World Heritage Site. The Serpent Mound is located in Peebles, just over an hour drive from Cincy. 

Other ways of getting around Cincinnati 

Cincinnati car insurance
Cincinnati Red Bikes are lined up around the city so you can leave your car in park while you get where you need to go

While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.

SORTA, the Southwestern Ohio Regional Transit Authority, operates buses throughout the Cincinnati area. You can buy tickets and plan your trip using the Transit app.

Proposals are also in the works for Wifi on buses, 24 hour service, shorter wait times, and more. Like many US cities, Columbus residents who choose not to drive can get around using rideshares, bikeshares, and electric scooters.

In addition there is the Connector—Cincinnati’s new streetcar system. It operates on a 3.6 mile loop through downtown to Finley Market and along the northern border of the Over-the-Rhine (OTR) neighborhood. Free of charge, the streetcar system became operational in 2016, and since then, has ferried thousands of locals and tourists through the heart of Cincy.

Likewise, Tri-State Trails, an initiative of the regional sustainability alliance, Green Umbrella, has put forth a proposal called CROWN—Cincinnati Walking or Riding Network. The proposed program would create a 100 mile transportation network anchored by a 34 mile walkable and bikeable loop. As of 2021 the non-profit had raised over $6 million of their $8 million goal, and in 2022 applied for a $12 million grant to continue their work connecting the city’s many trails. 

Cincinnati has also been rated one of the best cities in the US in terms of walkability. It hosts more than 22 acres of parkland per 1000 residents, and spends $188 on parks per resident. This makes the city one of the nicest places to walk around in the United States. 

At Lemonade Car, we reward low-mileage drivers with lower premiums. Cincinnati drivers who are behind the wheel fewer than 9,000 miles a year (around 22 miles daily) could be eligible for low-mileage car insurance discounts. 

Because of that, we encourage you—whenever possible—to go out and about without your car.  

How accessible are hybrid and electric vehicles in Cincinnati?

As accessibility, efficiency, and upfront costs of hybrid and electric vehicles (EV) improve, the trends of drivers heading towards the future do, too. The market is expected to continue growing exponentially as new makes and models, legislation, and incentives become available.

Cincy is committed to reducing the environmental impact of vehicles, led by the Green Cincinnati Plan that is helping transform the city’s approach to responsible, sustainable mobility.  As a part of the plan, the city will allocate $100,000 to green initiatives, including ensuring that EV charging stations are available in all 52 Cincinnati neighborhoods, and outfitting the municipal fleet with more electric vehicles. 

Drive Electric USA is bringing mobility education to the Cincinnati area through its local chapter Driver Electric Cincinnati. They provide electric vehicle experiences and education, helping members stay on top of news, events, new charging stations, and more.

You can find a map of available charging stations in Cincinnati here, by simply filling in your search location.

At Lemonade Car, we support Cincinnati drivers who make environment-friendly choices. We offer awesome protection and perks for hybrids and EVs—like coverage for your home charging station or a portable charger. Side note: Lemonade Renters and Homeowners policies can also be customized to include extra coverage for certain types of e-bikes, if that’s how you like to cruise. 

Fast transportation facts about Cincinnati 

The ‘Nati isn’t just one of the great cities in Ohio—it’s also a haven for those who love cars, car culture, and transportation history. Here are a few Cincinnati-oriented car-centric tidbits: 

Cincinnati Union Terminal

One of the last grand train stations built in the United State, the Cincinnati Union Terminal is now a museum. Since its opening in 1933, the incredible arts deco building has served as the home to three museums, an Omnimax theater, and the Cincinnati History Library and Archives. While there take in the mosaics in the train concourse which represents local industries, as well as the astonishing rotunda- the largest half-dome in the western hemisphere.

Cincinnati Auto Expo

Taking place over a long weekend at the end of March, the Cincinnati Auto Expo features over 400 motor vehicles from well-known manufacturers, to museums and private collections. It also gives visitors the opportunity to test-drive the car of their dreams. In addition, the expo hosts fun activities and attractions for the whole family- drivers and non-drivers alike.

The Cincinnati Subway

Cincinnati doesn’t have a subway system, but it almost did. Started in the early 20th century, the system of subway tunnels, stretching about 2 miles, was abandoned in 1918, due to rising costs after Word War I. Now, the tunnels and stations make up the largest abandoned underground subway system in the United States. Though, over the years, there have been many proposals to revive the subway system, or to use the tunnels and stations for other purposes, none of them have come to fruition.

Before we drive off into the sunset…

Cincinnati drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on Brent Spence Bridge!

Lemonade offers top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy, and coverage starts at just $30/month.

Our great coverage and super fast claims resolution don’t stop at Lemonade Car, though. Did you know that we also offer Homeowners, Renters, Pet, and Life Insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your Lemonade policies through the same app you use for Lemonade Car.

Let’s drive.

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Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.

This post is general in nature.  Any statement in this post does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence.  The terms, conditions, exclusions, or limitations applicable to your policy depend upon your unique circumstances, and you are encouraged to discuss your specific circumstances with your own professional advisors.  The purpose of this post is merely to provide you with information and insights you can use to make such discussions more productive.  Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them.

Coverages and other features described may not be available in all states.

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Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.