Cincinnati Auto Insurance: User Reviews and Quotes (2024)

Cincinnati Insurance is an Ohio-based insurance company that offers a variety of insurance products in all 50 U.S. states. Founded in 1950, the company boasts strong ratings in both financial strength and customer service.

Cincinnati Insurance tends to have higher car insurance rates and fewer discounts than other insurers on the market. So it’s important to compare quotes with other insurers in your area to help ensure you get the best deal.

How Cincinnati Insurance compares to other insurance companies

How Cincinnati Insurance rates compare to competitors

Cincinnati Insurance rates tend to be higher compared to competitors such as American Family and Auto-Owners. The chart below shows average monthly full-coverage rates for some of Cincinnati Insurance’s competitors.

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Average cost of Cincinnati auto insurance

Insurers view drivers with incidents like accidents, speeding tickets, and DUIs as higher risk. So they typically charge higher rates to make up for the added risk when these drivers file a claim. If you have a poor driving history or are a new driver or senior, your rates might be higher than experienced drivers or people with a clean record.

See how monthly liability rates for Cincinnati Insurance compare to the national averages for different driver profiles.

Cincinnati car insurance cost by state

Car insurance requirements and prices vary widely depending on what state you’re located in. For an idea of what you may pay for car insurance with Cincinnati, see the below chart for the monthly average liability-only premiums in states where it operates.^[2]

Cincinnati Insurance discounts

When shopping around for rates, it’s a good idea to be on the lookout for discounts that can help lower your premium. Cincinnati Insurance offers many potential discounts that you might be able to qualify for, including:

• Good driver: if you have few or no accidents over a certain period of time, you could get a premium reduction.

• Multi-line policy: Insuring both your home and your car with Cincinnati Insurance can qualify you for this bundling discount.

• Good student: Students with a 3.0 GPA (or higher) or B average (or higher) may be eligible for this discount.

• Multi-vehicle policy: Insure multiple vehicles on the same policy to qualify.

• High deductible: Choosing a deductible of $500 or higher can get you this discount.

• Use of an unowned vehicle: If you regularly use another vehicle that you don’t own (like a work vehicle), you may qualify for this discount.

• RideWell: This safe driving program offers between 5% and 18% off your premium.

How customers feel about Cincinnati Insurance 

Cincinnati Insurance’s reviews are largely positive. The company came in third in J.D. Power’s 2023 U.S. Small Commercial Insurance Study. The company also has a very low number of complaints on the National Association of Insurance Commissioners (NAIC) Complaint Index.

Cincinnati Insurance also has an A+ rating with the Better Business Bureau (BBB) and has seen only 17 complaints in the last three years.^[3]

Cincinnati Insurance ratings 

Industry ratings can be a good way to gauge an insurer’s business practices, and Cincinnati Insurance shines in this respective area.

It boasts an AM Best financial strength rating of A+ (Superior), indicating solid financial strength. And it has high ratings with J.D. Power, indicating overall customer satisfaction. The insurer also has a high BBB rating and a low NAIC Complaint Index, which shows the company gets few customer complaints — and, when received, resolves them quickly.

Cincinnati Insurance coverage options

Cincinnati Insurance offers standard state-minimum car liability coverages. The company offers comprehensive and collision coverage, which cover damage to your car if you’re in an accident.

Other coverage options include:

• 

  Antique and collector car insurance

  This covers vintage vehicles that require extra protection.

• 

  Rental car coverage

  Rental car reimbursement covers the cost of a rental if you need a loaner vehicle after an accident.

• 

  Replacement cost coverage

  Replacement cost coverage helps protect newly purchased vehicles.

• 

  Gap coverage

  Gap insurance covers the difference between your loan or lease balance and the actual value of the car if you’re in a wreck. Not every insurer offers gap coverage, so Cincinnati Insurance may be a good choice if you’re eyeing this sort of protection.

The company also offers a wide variety of endorsements that can add extra layers of protection, like roadside assistance, air bag or lock replacement, trip interruption, and more. It also has waivers for deductibles and glass damage.

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Other options for Cincinnati Insurance customers

Cincinnati Insurance offers non-vehicle-related insurance options, too — both for individuals and for businesses.

The company currently has the following insurance products:

• Home insurance: This protects your house and the belongings within your property from damage.

• Umbrella insurance: This is a type of liability coverage that protects your assets.

• Watercraft and yacht insurance: This coverage is designed to protect your boat, yacht, or other watercraft, such as jet skis.

• Personal articles insurance: This coverage helps protect high-value items, like artwork or jewelry collections.

• Life insurance: Life insurance policies give your beneficiaries a payout if you pass away.

How Cincinnati Insurance RideWell works

If you’re looking to lower your car insurance premium, you can sign up for Cincinnati Insurance’s RideWell program. RideWell uses a mobile app to track your driving habits and score how safely you drive over time. Factors tracked include your distance, speed, hard stops, brake usage, turns, and mobile device use.

RideWell discounts range from 5% to 18% off your premium, depending on your score. That’s up to $180 saved on a $1,000 policy. If you’re interested in adding RideWell, you’ll need to contact your agent to sign up.

Cincinnati Insurance FAQs