Cincinnati, Ohio Auto, SR-22, Home, Renters & Motorcycle Insurance
Cincinnati has a lot of factors that make it unique. It is home to more than 300,000 people, and it metropolitan area is Ohio's largest, extending into both neighboring Indiana and Kentucky.
Hamilton County itself is also home to five of Ohio's top ten road segments with the highest average annual daily traffic. There are a lot of drivers on the road at any time. All of them must have car insurance. To get your policy, come to Cloverleaf Insurance. We have the expertise to insure all Ohio drivers.
You can start an online quote now or call us at (800) 530-5822. It's fast, free and easy to do online.
Cincinnati Residents: Choose Cloverleaf Insurance
Drivers who have car accidents or experience other problems should be able to rely on a trustworthy car insurance policy to help them cover their costs of recovery. In and around Cincinnati — where there where there were more than 30,000 wrecks in 2018, you can likely understand how important it is to have coverage at all times. With the help of Cloverleaf Insurance's dedicated agents, you can get a policy that will uniquely and effectively protect you and your bank account from significant losses.
Ohio's Auto Insurance Requirements
The State of Ohio requires all drivers to carry auto liability insurance. It will pay third parties, such as other drivers, for the losses you cause them if an accident is your fault. Your policy must include at least:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage total per accident
- $25,000 property damage coverage
Other Coverage Choices
It's non-negotiable that you must have the state's required liability insurance. Still, all drivers can carry additional coverage if they choose to do so. The more coverage you have, the more money you might be able to recover in case of disastrous losses. Consider enhancing your policy with:
- Higher Liability Coverage Limits that can pay more money if you face expensive liability losses.
- Collision Insurance to cover your car’s damage if you have a wreck.
- Comprehensive Coverage to pay for your car’s repairs if incidents not related to wrecks — theft, falling objects, fire, vandalism, severe weather — damage it.
- Medical Payments Protection to help you cover your own injury costs resulting from wrecks.
- Uninsured/Underinsured Coverage to pay you when another driver is at-fault for your losses but does not have the right liability insurance to repay you themselves.
Non-Standard Auto Insurance
You might have heard that if you have a specialty vehicle, or if you have a tarnished driving record, then you might not be able to get your car insurance affordably. Don't panic! Cloverleaf Insurance offers affordable policies for a huge diversity of drivers, including:
Cincinnati, OH Car Insurance Frequently Asked Questions
Full car insurance is a policy that includes both liability coverage and physical damage coverage. All in all, it's the policy that will provide you with the most financial assistance following a total vehicle loss. The amount of coverage you need will vary, so your own full coverage might differ from your neighbor's.
Citywide, the average car insurance rate in Cincinnati is about $1,375 per year. However, policy rates can vary from customer to customer. Policy rates are determined using such factors as the vehicle you want to insure, your driving history, and your insurance history.
We'll make sure you get affordable coverage that always creates a safety guard for you and your vehicle wherever you go. Call us at (800) 530-5822 or request your free quote estimate now!