Cincinnati has 311,224 residents in 144,297 households. We list 18 agencies for health insurance in Cincinnati. Here is what the local numbers say about the cover people here need.

Cincinnati at a glance

18health insurance agencies listed
60.2%of households rentRenters insurance
$230,900median home valueHome insurance
1951median year homes were builtRebuild cost calculator
17.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Hamilton County

FEMA rates the overall natural hazard risk in Hamilton County, where most Cincinnati agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Cincinnati
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Cincinnati
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Cincinnati
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Ohio

Ohio requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Cincinnati How much liability cover do you need?

Source: insurance.ohio.gov. Checked 2026-10-24.

Insurance companies Cincinnati agencies work with

Of the 18 Cincinnati agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare14 agencies
Humana12 agencies
Aetna9 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY9 agencies
Medicare Advantage8 agencies
National Pacific Dental,8 agencies
Nationwide7 agencies
Principal7 agencies
The Hartford7 agencies
Ameritas Life Insurance6 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Cincinnati agencies are

Cincinnati agencies we list sit in 12 ZIP codes, mostly in Hamilton County.

452023 agencies
452363 agencies
452422 agencies
452552 agencies
452061 agency
452081 agency
452091 agency
452271 agency
452301 agency
452411 agency
452431 agency
452631 agency

Questions

Health insurance in Cincinnati

All insurance agencies in Cincinnati · Health insurance across Ohio

Where can I find health insurance in Cincinnati?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does health insurance cover?

Individual and family medical cover outside an employer plan.

Which insurance companies do Cincinnati agencies work with?

Among the 18 Cincinnati agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (14), Humana (12), Aetna (9), PACIFICARE LIFE AND HEALTH INSURANCE COMPANY (9), Medicare Advantage (8). An appointed agency can quote that company's policies.

Do I need flood insurance in Cincinnati?

FEMA's National Risk Index rates inland flooding risk in Hamilton County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

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