Cincinnati Insurance Car Insurance Review for 2025 [See if It’s a Good Fit]
Our Cincinnati Insurance car insurance review highlights affordable rates starting at $90/month. Cincinnati Insurance Company offers a 25% discount for bundling policies and additional savings for good drivers. Rates vary by age, but Cincinnati Insurance has affordable coverage with great customer service.
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Jan 6, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 6, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Cincinnati Insurance Car Insurance
Average Monthly Rate For Good Drivers
$97A.M. Best Rating:
A++Complaint Level:
LowPros
- Affordable rates start at $90/month
- 25% bundling discount available
- Antique and classic car insurance options
Cons
- Higher rates for teens and drivers with poor records
- Not available in all states
Our Cincinnati Insurance car insurance review reveals affordable rates starting at $90/month for safe drivers, with discounts of up to 25% for bundling policies.
Cincinnati Insurance also offers additional savings for safe drivers, good students, and those who need classic car insurance. Scroll down to review Cincinnati Insurance rates and read real customer reviews.
Cincinnati Insurance Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.1 |
| Business Reviews | 4.5 |
| Claim Processing | 3.5 |
| Company Reputation | 4.5 |
| Coverage Availability | 5 |
| Coverage Value | 3.9 |
| Customer Satisfaction | 3.9 |
| Digital Experience | 3.5 |
| Discounts Available | 5 |
| Insurance Cost | 3.9 |
| Plan Personalization | 4.5 |
| Policy Options | 3.8 |
| Savings Potential | 4.3 |
Quotes for cheap car insurance are easy to find. Just enter your ZIP code into our free comparison tool for instant quotes near you.
- Cincinnati Insurance car insurance rates average $97/month
- Bundling Cincinnati home and auto policies can save up to 25%
- Coverage available for antique and collector cars
Cincinnati Insurance Car Insurance Cost Breakdown
Factors that affect car insurance rates include what you drive, age, gender, and policy type. The Cincinnati Indemnity Company uses these variables to help determine rates.
Cincinnati Insurance Car Insurance Monthly Rates by Age, Gender & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $250 | $400 |
| Age: 16 Male | $300 | $450 |
| Age: 18 Female | $200 | $350 |
| Age: 18 Male | $250 | $400 |
| Age: 25 Female | $120 | $200 |
| Age: 25 Male | $150 | $220 |
| Age: 30 Female | $100 | $170 |
| Age: 30 Male | $110 | $180 |
| Age: 45 Female | $90 | $150 |
| Age: 45 Male | $100 | $160 |
| Age: 60 Female | $95 | $155 |
| Age: 60 Male | $100 | $160 |
| Age: 65 Female | $105 | $165 |
| Age: 65 Male | $110 | $170 |
Cincinnati Insurance car insurance rates vary by age, gender, and coverage level, but it also adjusts car insurance rates based on your driving record.
For minimum coverage, rates range from $100/month for a clean record to $250/month for a DUI. Full coverage rates range from $120/month for a clean record to $300/month for a DUI. Rates also vary for drivers with one accident or ticket.
Understanding car accidents plays a crucial role in determining full coverage rates. Maintaining a clean driving record will assist you in obtaining the best Cincinnati minimum and full coverage rates.
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Compare Top Providers vs. Cincinnati Insurance Car Insurance
Compare monthly car insurance rates with Cincinnati Insurance vs. State Farm and other top providers. For the best full coverage car insurance, Cincinnati Insurance provides affordable options that compete closely with major insurers.
Cincinnati Insurance Car Insurance Monthly Rates vs. Top Providers by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $130 | $210 |
 | $120 | $200 |
 | $130 | $215 |
 | $100 | $180 |
 | $135 | $220 |
 | $125 | $205 |
 | $115 | $195 |
 | $110 | $190 |
 | $120 | $200 |
 | $90 | $170 |
Cincinnati Insurance car insurance offers competitive car insurance rates based on driving records. Compared to top competitors, Cincinnati Insurance remains one of the more affordable options.
Cincinnati Insurance Car Insurance Monthly Rates Compared to Top Competitors by Driving Record
| Insurance Company | Clean Record | Speeding Ticket | At-Fault Accident | DUI/DWI |
|---|---|---|---|---|
| $120 | $150 | $200 | $250 |
| $115 | $145 | $190 | $230 |
| $125 | $155 | $210 | $260 |
| $100 | $130 | $180 | $220 |
| $140 | $170 | $230 | $280 |
| $120 | $150 | $200 | $240 |
| $115 | $145 | $195 | $235 |
| $110 | $140 | $190 | $230 |
| $120 | $150 | $200 | $250 |
| $90 | $120 | $170 | $210 |
Cincinnati Insurance auto insurance rates are generally lower than providers like Liberty Mutual and Farmers in most states, but you should always compare quotes online to find the best price based on your personal driving history.
Cincinnati Insurance Company Car Insurance Discounts
Cincinnati Insurance provides multiple discount opportunities to help reduce your car insurance costs. Whether you’re a safe driver, a student, or want to bundle policies, these discounts could net you savings on your car insurance premiums.
Cincinnati Insurance Car Insurance Discounts
| Discount Name | Savings Potential |
|---|---|
| Good Student Discount | 20% |
| Multi-Policy Discount | 25% |
| Good Student Discount | 20% |
| Safe Driver Discount | 15% |
| Pay-in-Full Discount | 10% |
| Vehicle Safety Features Discount | 10% |
| Early Signing Discount | 10% |
| New Vehicle Discount | 10% |
| Anti-Theft System Discount | 5% |
| Paperless Billing Discount | 5% |
| Senior Driver Discount | Varies (Age-based) |
Other savings include 10% for pay-in-full, vehicle safety features, and new vehicles, along with 5% for anti-theft systems and paperless billing. Senior drivers also receive age-based discounts.
Essential Cincinnati Insurance Car Insurance Coverage Options
When selecting car insurance, it’s important to understand the available coverage options to ensure you’re properly protected. Compare the different types of car insurance to find the best options for your needs and budget. Here are some details on the main Cincinnati Insurance auto coverage choices.
- Liability Coverage: Required if you’re found at fault for property damage and bodily injury to others.
- Collision Coverage: Covers and repairs your vehicle in an accident, regardless of fault. This insurance kicks in if you get in an accident with another vehicle or an object, such as a fence or tree.
- Comprehensive Coverage: Protects your vehicle from damage caused by non-collision events, including theft, vandalism, fire, hail, or natural disasters such as floods or earthquakes.
- Uninsured/Underinsured Motorist Coverage: This type of coverage kicks in if you are in an accident with a driver without insurance or insufficient coverage to cover your damages. This is especially important if you live where uninsured drivers are common.
- Medical Payments Coverage: Pays the medical bills for you and your passengers after an accident, no matter who is at fault. That includes injuries from accidents inside and outside the vehicle.
Cincinnati Insurance Companies provides a range of options, from liability to medical payments, to safeguard you and your vehicle. It also offers personalized plans for antique and collector car insurance that’s tailored to classic cars.
Drivers can also add the Cincinnati Personal Auto Plus Endorsement to include perks like roadside assistance, glass deductible waivers, and discounts for seatbelts and child safety restraints, but it will raise your monthly Cincinnati insurance rates.
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Cincinnati Insurance Car Insurance Ratings Reviews
Let’s take a look at Cincinnati Insurance customer service reviews and business ratings. Cincinnati Insurance Companies received a score of 820/1,000 from J.D. Power and an A+ from the BBB, showing its aim for customer satisfaction and financial security.
Cincinnati Car Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 820/ 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Financial Strength |
 | Score: 75 /100 Good Customer Feedback |
 | Score: 0.65 Fewer Complaints than Avg. |
 | Score: A++ Superior Financial Strength |
Cincinnati gets top grades for customer satisfaction and financial reliability year after year. This Reddit user gave great praise to Cincinnati Insurance, stating it is both affordable and has had excellent customer service and experience for the past five years.
Comment
byu/Pass-word-1234 from discussion
infatFIRE
Both home and car insurance claims processes were described as smooth, with little pushback, and the provider received their strong recommendation.
Read More: Car Insurance Claim Investigation
Pros and Cons of Cincinnati Insurance Companies
Cincinnati Insurance offers personalized service and a wide range of coverage options, with strong customer support. Here’s what drivers like about Cincinnati Insurance Company:
- Personalized Service: Cincinnati Insurance uses independent agents to tailor coverage to meet individual needs.
- Comprehensive Coverage Options: The company provides coverage options you can’t find everywhere, like gap insurance and classic auto insurance.
- Strong Customer Service: Cincinnati Insurance is known for its claims service.
However, limited availability and potentially higher rates may be drawbacks for some drivers. Cincinnati Insurance falls short with:
- Limited Availability: Because Cincinnati Insurance products are sold exclusively through independent agents, they may not be available to every customer.
- Potentially Higher Costs: The independent agent model and custom service may lead to rates that are more than some more automated insurance options.
Cincinnati Insurance features personalized service and coverage options, but its limited availability and less affordable rates may be unsuitable for some drivers.
Choose Cincinnati Insurance Car Insurance for Affordable Rates
Cincinnati Insurance offers affordable rates starting at $90/month with customizable coverage options, making it a solid choice for many drivers. Our Cincinnati Insurance car insurance review considers it one of the best companies for bundling home and car insurance, with up to 25% discount for multiple policies.
Cincinnati Insurance prides itself on an insurance service model, which means drivers receive coverage that grows with them and their individual situations.
Brad Larson Licensed Insurance Agent
Cincinnati Insurance is well-known for its dependable claims handling and attitude of putting customers first. However, its use of independent agents may deter drivers who prefer to manage car insurance online, and coverage availability may vary by state.
Cheap car insurance quotes are just minutes away. Just enter your ZIP code into our free quote tool to find the best deal for you.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How do I contact Cincinnati Insurance auto claims for quick assistance?
You can contact Cincinnati Insurance car insurance claims by calling 877-242-2544, available 24/7.
Is Cincinnati Insurance a good carrier?
Cincinnati Insurance car insurance draws positive reviews, with customers noting that the insurance is affordable and customer-friendly. Other providers, like USAA and State Farm, also have good ratings and are available in more states. Enter your ZIP code in our free quote comparison tool to see the best car insurance company near you.
What do Cincinnati Insurance car insurance reviews say about customer satisfaction?
Understanding your car insurance policy is essential when evaluating Cincinnati Insurance car insurance reviews. The company has earned strong customer satisfaction, with an A+ BBB rating and an 820/1,000 J.D. Power score. Customers often praise the company’s claims process and affordability, making it a trusted provider in the region.
Is Cincinnati Insurance a legitimate provider of car insurance?
Yes, Cincinnati Insurance Company is a legitimate provider based in Ohio. Its financial strength is rated A++ by A.M. Best and A+ by the Better Business Bureau. Its long-standing reputation since 1950 makes it a trusted choice for car insurance and other coverage options.
What do Cincinnati Insurance Companies reviews reveal about customer experience?
Cincinnati Insurance reviews often highlight the provider’s strong customer service, reliable claims handling, and competitive rates. Customers frequently mention positive experiences with customizable coverage options and bundling discounts. Also, reviews consider the company’s financial strength, as evidenced by an A++ rating from A.M. Best.
Does Cincinnati Insurance pay claims promptly?
Yes, Cincinnati Insurance car insurance is known for its efficient claims processing. Customers frequently report smooth experiences when filing a car insurance claim, with car and home insurance claims handled quickly and without unnecessary disputes. Its A+ BBB rating reflects strong customer service and satisfaction.
How does Cincinnati Insurance rank among competitors?
Cincinnati Insurance car insurance is one of the best alternatives for car insurance in the business, receiving a score of 820/1,000 from J.D. Power for customer satisfaction. It’s also cheaper than popular companies like Allstate and Nationwide.
Who owns Cincinnati Insurance?
Cincinnati Insurance is owned by Cincinnati Financial Corporation, a publicly traded company. Founded in 1950, the corporation operates several subsidiaries, including The Cincinnati Insurance Company, The Cincinnati Indemnity Company, and The Cincinnati Casualty Company.
How large is Cincinnati Insurance in the insurance market?
Cincinnati Insurance is an industry leader ranked among the top 30 companies for U.S. car insurance market share.
How do Cincinnati Insurance Google reviews reflect customer experiences?
Reviews on Google for Cincinnati Insurance car insurance are largely positive, especially when it comes to claims processing and the helpfulness of agents. But some reviews raise concerns about rising premiums, so it’s important to double-check your coverage details. Learn how customer satisfaction ratings affect car insurance companies.
How long has Cincinnati Insurance been in business?
Cincinnati Insurance has more than 70 years of serving customers. Founded in 1950, the company has a long history of strong financial performance and customer satisfaction and is widely respected in the insurance industry.
Is Cincinnati Insurance admitted in all states?
No, Cincinnati Insurance auto insurance is not available in Alaska, Louisiana, Mississippi, Oklahoma, or South Dakota. Enter your ZIP code to find cheap car insurance in your state.
What type of insurance does the Cincinnati Insurance Company offer for businesses?
The Cincinnati Insurance Company offers business insurance products like general liability, commercial car insurance, workers’ compensation, and professional liability. It also provides industry-specific packages for retail, manufacturing, and healthcare.
Which states have the most insurance claims filed with Cincinnati Insurance?
States with high populations, frequent severe weather, or dense urban areas—such as Florida, Texas, and California—tend to have the most insurance claims filed with Cincinnati Insurance car insurance.
Is AARP car insurance cheaper than Geico for seniors?
AARP car insurance, through The Hartford, offers competitive rates for seniors with tailored discounts. However, Geico may provide lower premiums based on factors like driving history and vehicle type. Check out rates in our Geico car insurance review to get a better idea of company car insurance prices.
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Hugh1
Cincinnati Doesn't Care About Loyal Customers
Scrubalupagus
AVOID AT ALL COSTS - BUYER BEWARE!
Jadespirit
Great customer service
bravefreak1995
Silent Partner
mberao23
Great customer service
Abadam
Quality Coverage at Good Price
622L
Amazing Company
erina511
Recommend Cincinnati Insurance Company!
Janelle
Cincinnati Insurance is good.
TRUMP
Horriable company