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Cincinnati, Ohio Car Insurance

Cincinnati is a large city with more than 300,000 residents. The city covers many hills, bluffs, and low ridges that can make getting around the city a challenge, especially in winter. Most people in the city travel by car, because the city is well laid-out, causing little traffic congestion.

Cincinnati drivers should be careful to carry adequate insurance, including 12,500 per person liability insurance with 25,000 per accident. You will also need to carry a minimum of $7,500 property damage insurance. You can get a quote on insurance coverage by entering your Cincinnati zip code in the box at the top of this page.

Bus Travel
Those who travel by bus have two bus services from which to choose. There is the METRO (Cincinnati’s Bus Service) and TANK, the Northern Kentucky bus service. METRO is a fixed route bus service for southwest Ohio. It makes more than 22 million trips each year and delivers about 20% of Cincinnati's workforce into the office.

The Southbank Shuttle is part of TANK, servicing downtown Cincinnati and northern Kentucky areas like Newport On The Levee, the Newport Aquarium, MainStrasse Village and more. The daily service stops every 15 to 20 minutes and is very affordable.

Taxi transportation is neat and orderly in the city. No standing on the curb and hailing a cab in Cincinnati; it is not allowed by law. You can call a cab on the phone or wait at a cabstand for the next taxi to drive by.

Walking around downtown Cincinnati is a great way to spend a day. The compact area offers a real taste of the city and its German heritage. You’ll eat some of the best chili in the country and have your pick of shopping and activities.

Air Travel
Flying to and from Cincinnati is convenient but crowded. The Cincinnati/Northern Kentucky International Airport (CVG) is just 15 minutes from downtown and serves more than 20 million passengers. The airport is the home to one of the largest Delta Airlines hub and is often recognized for satisfied flyers. Because of this, more people choose CVG for air travel every day.

You may be wondering about a subway in Cincinnati. Shouldn’t a city of this size have such a transportation system? The answer is yes and no. The city of Cincinnati began plans for a subway in the early 1900s and even dug all the tunnels needed for the system. But when the great depression hit, and then was followed by WWII, the project was abandoned. Today these tunnels are maintained by the city to ensure the city does not collapse down on top of them.

Occasional tours are set up to see the tunnels through the Cincinnati Heritage Programs and the Cincinnati Museum Center. The “Subway Walk and Talk” is often sold out well in advance, so plan accordingly. Visitors enjoy a five-block walk in the subways dark and dusty underground tunnels. If you can’t get to Cincinnati, consider a virtual tour. Many of these can be found online.

If you live in Ohio, you will want to make certain you have the appropriate car insurance that you need in the event that you are involved in an accident. Cincinnati is a huge city that has over 331,000 residents so this makes it very important you are adequately insured because if you aren’t, you could end up paying a lot of money out of pocket.

When it comes to accidents, you may be surprised how quickly some of the costs can increase so quickly. This is why you will want to talk to your insurance agent to make certain you have all the coverage that you will need in the event you are involved in an accident.

The minimum coverage in Ohio include having a liability insurance policy with at least $12,500 per person and $25,000 per accident for bodily injury and $7,500 for property damage. This is the bare minimum you should have and it is really required that you actually have much more than this.

Finding out how much you really need is something that your insurance agent will gladly be able to tell you. They can also tell which type of policy would best suit your needs. In many cases, it is entirely possible to just have liability coverage and do without the collision coverage.

You can likely get by with just liability insurance if you have your car paid off and do not any money on it at all. Collision is usually recommended if you have a newer car and a huge loan on it. If you do owe money to a lender, you will have to carry collision so in the event you are in an accident the lender will be paid in full. This is required by law but many people aren’t aware of it.