Cincinnati Financial Insurance Review
Cincinnati Financial Insurance Review
Impressive add-on coverages and service, but competitors have cheaper rates.
Cincinnati Insurance boasts impressive add-on coverage packages and provides top-notch customer service. However, shoppers could easily get cheaper rates elsewhere.
We generally recommend Cincinnati Insurance to individuals looking to insure high-value cars and properties rather than to shoppers looking to score the cheapest possible rate.
Good for
Bad for
Our thoughts on Cincinnati Insurance
Cincinnati Insurance has an excellent customer service reputation and offers an impressive array of add-on coverages. It's a good company for those who are willing to pay more for coverage that offers protection in a variety of contingencies, or, alternatively, who want to insure their collector car on the same policy as their standard cars.
However, you'll pay more to get these added benefits. ValuePenguin's analysis found that Cincinnati Insurance charges higher rates than other major insurers. Additionally, users who value a top-notch mobile experience will want to consider another insurer. Cincinnati Insurance's mobile app received middling ratings from Android users, though Apple users seemed to have a more positive experience.
What coverages does Cincinnati Insurance offer?
Cincinnati Insurance stands out for its impressive suite of add-on coverages, as well as for its strong rental car coverage. The coverage you purchase for your own car always extends to your rental, and you won't pay any deductible if you get into an accident. Cincinnati Insurance also pays the rental company for its lost income while the rental car is being repaired.
Additional coverages you can purchase from Cincinnati Insurance include:
- Gap coverage: Pays the difference between what you owe on your auto loan or lease and the worth of your car if it is totaled in a covered loss.
- Replacement Cost Plus: Covers the cost of a new car or pays the value of your car, plus the remainder of your auto loan, if your new car is totaled with less than 1,000 miles on it.
- Antique or collector car insurance: Includes agreed value insurance, and allows you to insure all your cars on one policy, instead of requiring a separate policy for your antique or collector car.
Highlighted features: The Personal Auto Plus Endorsement and Capstone Collector Auto Coverage
Cincinnati Insurance offers policyholders two packages that roll together multiple coverages into one: the Personal Auto Plus Endorsement and Capstone Collector Auto Coverage. The Personal Auto Plus Endorsement is ideal for drivers who like the security of knowing they're covered in most situations, while Capstone Collector Auto Coverage is suited to drivers who travel extensively and have invested significantly in cars.
Personal Auto Plus Endorsement
The Personal Auto Plus Endorsement gives policyholders access to a number of additional coverages, all rolled into one package. The following table outlines what you'll get if you purchase this endorsement:
Coverage | Explanation |
|---|---|
| Air bag replacement | Covers the cost of replacing your airbag with deductible |
| Safety restraint benefit | Drivers who have purchased MedPay will receive double their coverage if they or a passenger sustain an injury while driving with a seatbelt. Not available in New Jersey, Pennsylvania and D.C. |
| Transportation expenses | Doubles your coverage for temporary transportation expenses (such as a rental car) while your car receives covered repairs, from $20 to $50 per day. |
| Roadside assistance | Cincinnati Insurance increases your roadside assistance coverage to $250. |
| Deductible waiver | Waives your deductible if your car is a total loss. Not available in Pennsylvania. |
| Supplementary payments | Raises supplementary payment from $500 to $5,000 if you or your spouse die in a covered loss. |
| Trip interruption | Covers up to $600 if you or a family member are stranded by a car breakdown more than 100 miles from your home and need transportation, lodging and/or meals. You are not charged a deductible. Not available in New Hampshire. |
| Lock replacement | Covers up to $1,500 to replace the locks on your car if your keys are lost or stolen, provided that you notify Cincinnati Insurance within 72 hours. You are not charged a deductible. |
| Child safety seat replacement | Pays for the cost of replacing your installed child safety seat after a covered loss. Not available in Minnesota, Pennsylvania or South Carolina. |
| Glass deductible waiver | Waives the deductible for glass replacement after a covered loss. Not available in Arizona, Connecticut, Florida, Idaho, Kentucky, Minnesota, South Carolina, New York and Oregon. |
Capstone Collector Auto Coverage
The Capstone Collector Auto package allows you to insure all of your cars on one policy, including motor homes, motorcycles and antique or collector cars. This package is ideal for high-net-worth individuals who have invested extensively in cars and travel a good deal.
The package includes the following coverages:
Coverage | Explanation |
|---|---|
| Agreed value | Pays you the full worth of your car, as determined by you and Cincinnati Insurance ahead of time, if it is totaled in a covered accident |
| New car replacement | Replaces your car with a new one from the most recent model year |
| Original equipment manufacturer parts (OEM) | Cincinnati Insurance will only use parts from the original equipment manufacturer when doing covered repairs on your car |
| Transportation expense | Gives you a rental while you car receives repairs for a covered loss, with no daily expense limit |
| No deductible | Eliminates your deductible for pet injuries, repairing glass and replacing airbags, locks or child safety restraints |
| Roadside assistance | Covers emergency repair-related expenses, including towing, labor and delivery of gas, tires or batteries |
| Trip interruption expenses | Covers your meals and lodging if your car breaks down more than 50 miles away from home |
| Worldwide liability | Provides liability coverage worldwide, excepting places where the federal government has enacted travel or economic restrictions |
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003ECincinnati Insurance stands out for its impressive suite of add-on coverages, as well as for its strong rental car coverage. The coverage you purchase for your own car always extends to your rental, and you won't pay any deductible if you get into an accident. Cincinnati Insurance also pays the rental company for its lost income while the rental car is being repaired.\u003C\/p\u003E\n\n\u003Cp\u003EAdditional coverages you can purchase from Cincinnati Insurance include:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EGap coverage\u003C\/strong\u003E: Pays the difference between what you owe on your auto loan or lease and the worth of your car if it is totaled in a covered loss.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EReplacement Cost Plus\u003C\/strong\u003E: Covers the cost of a new car or pays the value of your car, plus the remainder of your auto loan, if your new car is totaled with less than 1,000 miles on it.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAntique or collector car insurance\u003C\/strong\u003E: Includes \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"agreed value insurance\" href=\"https:\/\/www.valuepenguin.com\/agreed-value-car-insurance\"\u003Eagreed value insurance\u003C\/a\u003E\u003C\/span\u003E, and allows you to insure all your cars on one policy, instead of requiring a separate policy for your antique or collector car.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EHighlighted features: The Personal Auto Plus Endorsement and Capstone Collector Auto Coverage\u003C\/h3\u003E\n\n\u003Cp\u003ECincinnati Insurance offers policyholders two packages that roll together multiple coverages into one: the \u003Cstrong\u003EPersonal Auto Plus Endorsement\u003C\/strong\u003E and \u003Cstrong\u003ECapstone Collector Auto Coverage\u003C\/strong\u003E. The Personal Auto Plus Endorsement is ideal for drivers who like the security of knowing they're covered in most situations, while Capstone Collector Auto Coverage is suited to drivers who travel extensively and have invested significantly in cars.\u003C\/p\u003E\n\n\u003Ch4\u003EPersonal Auto Plus Endorsement\u003C\/h4\u003E\n\n\u003Cp\u003EThe Personal Auto Plus Endorsement gives policyholders access to a number of additional coverages, all rolled into one package. The following table outlines what you'll get if you purchase this endorsement:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECoverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EExplanation\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EAir bag replacement\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECovers the cost of replacing your airbag with deductible\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ESafety restraint benefit\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDrivers who have purchased MedPay will receive double their coverage if they or a passenger sustain an injury while driving with a seatbelt. Not available in New Jersey, Pennsylvania and D.C.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ETransportation expenses\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDoubles your coverage for temporary transportation expenses (such as a rental car) while your car receives covered repairs, from $20 to $50 per day.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ERoadside assistance\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECincinnati Insurance increases your roadside assistance coverage to $250.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EDeductible waiver\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EWaives your deductible if your car is a total loss. 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Not available in New Hampshire.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ELock replacement\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECovers up to $1,500 to replace the locks on your car if your keys are lost or stolen, provided that you notify Cincinnati Insurance within 72 hours. You are not charged a deductible.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EChild safety seat replacement\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPays for the cost of replacing your installed child safety seat after a covered loss. Not available in Minnesota, Pennsylvania or South Carolina.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EGlass deductible waiver\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EWaives the deductible for glass replacement after a covered loss. Not available in Arizona, Connecticut, Florida, Idaho, Kentucky, Minnesota, South Carolina, New York and Oregon.\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Coverage\",\"Explanation\"],[\"\\u003Cstrong\\u003EAir bag replacement\\u003C\\\/strong\\u003E\",\"Covers the cost of replacing your airbag with deductible\"],[\"\\u003Cstrong\\u003ESafety restraint benefit\\u003C\\\/strong\\u003E\",\"Drivers who have purchased MedPay will receive double their coverage if they or a passenger sustain an injury while driving with a seatbelt. 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This package is ideal for high-net-worth individuals who have invested extensively in cars and travel a good deal.\u003C\/p\u003E\n\n\u003Cp\u003EThe package includes the following coverages:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003E\u003Cstrong\u003ECoverage\u003C\/strong\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003E\u003Cstrong\u003EExplanation\u003C\/strong\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EAgreed value\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPays you the full worth of your car, as determined by you and Cincinnati Insurance ahead of time, if it is totaled in a covered accident\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ENew car replacement\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EReplaces your car with a new one from the most recent model year\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EOriginal equipment manufacturer parts (OEM)\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECincinnati Insurance will only use parts from the original equipment manufacturer when doing covered repairs on your car\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ETransportation expense\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGives you a rental while you car receives repairs for a covered loss, with no daily expense limit\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ENo deductible\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EEliminates your deductible for pet injuries, repairing glass and replacing airbags, locks or child safety restraints\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ERoadside assistance\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECovers emergency repair-related expenses, including towing, labor and delivery of gas, tires or batteries\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ETrip interruption expenses\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECovers your meals and lodging if your car breaks down more than 50 miles away from home\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EWorldwide liability\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProvides liability coverage worldwide, excepting places where the federal government has enacted travel or economic restrictions\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" 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limit\"],[\"\\u003Cstrong\\u003ENo deductible\\u003C\\\/strong\\u003E\",\"Eliminates your deductible for pet injuries, repairing glass and replacing airbags, locks or child safety restraints\"],[\"\\u003Cstrong\\u003ERoadside assistance\\u003C\\\/strong\\u003E\",\"Covers emergency repair-related expenses, including towing, labor and delivery of gas, tires or batteries\"],[\"\\u003Cstrong\\u003ETrip interruption expenses\\u003C\\\/strong\\u003E\",\"Covers your meals and lodging if your car breaks down more than 50 miles away from home\"],[\"\\u003Cstrong\\u003EWorldwide liability\\u003C\\\/strong\\u003E\",\"Provides liability coverage worldwide, excepting places where the federal government has enacted travel or economic 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Auto insurance quotes from Cincinnati Insurance: How do they compare?
If cheap car insurance is your top priority, pick another company besides Cincinnati Insurance. You could pay half as much for basic coverage from State Farm.
While not the most expensive insurer in our study, Cincinnati Insurance did not offer cheap auto insurance quotes to either of our sample drivers. Compared to State Farm, the cheapest insurer in this analysis, Cincinnati Insurance's rates were 95% higher for a driver with a clean record and 244% higher for a driver with one accident on his record.
Find Cheap Auto Insurance Quotes
Insurer | 30-year-old driver, clean record | 30-year-old driver, one accident | % increase after accident |
|---|---|---|---|
| Cincinnati Insurance | $1,789 | $3,725 | 108% |
| Allstate | $2,672 | $4,929 | 84% |
| Geico | $1,994 | $3,162 | 59% |
| State Farm | $918 | $1,083 | 18% |
Additionally, Cincinnati Insurance raised rates the most after an at-fault accident. Premiums for our sample 30-year-old driver went up by 108% after an at-fault accident, while State Farm only increased rates by 18%. Be sure to get a quote from at least three other companies before you purchase from Cincinnati Insurance; otherwise, you could significantly overpay for the same coverage.
What discounts does Cincinnati Insurance offer?
Cincinnati Insurance has only a limited number of auto insurance discounts, which means shoppers will struggle to reduce the company's above-average rates. Available discounts include:
- Multicar: Insure multiple cars on the same policy.
- Multipolicy: Insure both home and auto with Cincinnati Insurance.
- Good student: Maintain a 3.0 or a B average.
- Accident-free: Avoid accidents (number or period of time to earn discount unspecified).
Highlighted discount: RideWell app
RideWell is Cincinnati Insurance's usage-based telematics program. Cincinnati Insurance monitors your driving behaviors via mobile app and offers you discounts based on how safely you drive. Monitored behaviors include:
- Braking
- Speeding
- Hard stops
- Mobile device use
- Turning and acceleration
Other insurers offer better rates and more generous telematics discounts. We'd recommend choosing another company if your main goal is cheap coverage.
RideWell program participants receive an initial sign-up discount of 5%. For drivers under the age of 24, that discount goes up to 10%. Drivers who score well can earn a discount of up to 18% — not nearly as high as the discounts offered by other telematics programs like State Farm's Drive Safe and Save (up to 50%) or Allstate Drivewise (up to 40%).
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003ECincinnati Insurance has only a limited number of auto insurance discounts, which means shoppers will struggle to reduce the company's above-average rates. Available discounts include:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EMulticar\u003C\/strong\u003E: Insure multiple cars on the same policy.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EMultipolicy\u003C\/strong\u003E: Insure both home and auto with Cincinnati Insurance.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EGood student\u003C\/strong\u003E: Maintain a 3.0 or a B average.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAccident-free\u003C\/strong\u003E: Avoid accidents (number or period of time to earn discount unspecified).\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EHighlighted discount: RideWell app\u003C\/h3\u003E\n\n\u003Cp\u003ERideWell is Cincinnati Insurance's \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"usage-based\" href=\"https:\/\/www.valuepenguin.com\/usage-based-auto-insurance-savings-privacy\"\u003Eusage-based\u003C\/a\u003E\u003C\/span\u003E telematics program. Cincinnati Insurance monitors your driving behaviors via mobile app and offers you discounts based on how safely you drive. Monitored behaviors include:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Braking\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Speeding\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Hard stops\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Mobile device use\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Turning and acceleration\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Other insurers offer better rates and more generous telematics discounts. We'd recommend choosing another company if your main goal is cheap coverage.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003ERideWell program participants receive an initial sign-up discount of 5%. For drivers under the age of 24, that discount goes up to 10%. Drivers who score well can earn a discount of up to 18% \u2014 not nearly as high as the discounts offered by other telematics programs like \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm's Drive Safe and Save\" href=\"https:\/\/www.valuepenguin.com\/state-farm-drive-safe-and-save-insurance-review\"\u003EState Farm's Drive Safe and Save\u003C\/a\u003E\u003C\/span\u003E (up to 50%) or \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Allstate Drivewise\" href=\"https:\/\/www.valuepenguin.com\/allstate-drivewise-insurance-review\"\u003EAllstate Drivewise\u003C\/a\u003E\u003C\/span\u003E (up to 40%). \n","padding":"double"}
Customer service reviews and ratings of Cincinnati Insurance
Cincinnati Insurance has an excellent customer service reputation. The average score on the National Association of Insurance Commissioners (NAIC) Complaint Index is a 1.0, but Cincinnati Insurance scored a 0.47 — meaning it has about half as many complaints as would be expected of an insurance company of its size.
Not only does Cincinnati Insurance have strong auto insurance customer service reviews, but the company also received an A+ Financial Strength Rating from A.M. Best. A.M. Best assesses insurers based on their ability to meet financial obligations, and Cincinnati Insurance's A+ grade equates to a "superior" ability to pay out claims.
Rating system | Maximum score | Cincinnati Insurance score |
|---|---|---|
| NAIC Complaint Index | Average score is 1.0; lower is better | 0.47 |
| A.M. Best Financial Strength Rating | A+ (Superior) | A+ (Superior) |
| Apple App Store | 5.0 | 4.6 |
| Google Play | 5.0 | 3.3 |
In terms of mobile experience, however, Cincinnati Insurance's reputation is a little more mixed. Android users gave the MyCincinnati mobile app just a 3.3 out of 5, while Apple users ranked it much more highly, at 4.6 out of 5. Android users may want to consider another insurer if a superior mobile experience is a top priority.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003ECincinnati Insurance has an excellent customer service reputation. The average score on the National Association of Insurance Commissioners (NAIC) Complaint Index is a 1.0, but Cincinnati Insurance scored a 0.47 \u2014 meaning it has about half as many complaints as would be expected of an insurance company of its size.\u003C\/p\u003E\n\n\u003Cp\u003ENot only does Cincinnati Insurance have strong auto insurance customer service reviews, but the company also received an A+ Financial Strength Rating from A.M. Best. A.M. Best assesses insurers based on their ability to meet financial obligations, and Cincinnati Insurance's A+ grade equates to a \"superior\" ability to pay out claims.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERating system\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMaximum score\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECincinnati Insurance score\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENAIC Complaint Index\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EAverage score is 1.0; lower is better\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.47\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EA.M. Best Financial Strength Rating\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+ (Superior)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+ (Superior)\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EApple App Store\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E5.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4.6\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGoogle Play\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E5.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3.3\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rating system\",\"Maximum score\",\"Cincinnati Insurance score\"],[\"NAIC Complaint Index\",\"Average score is 1.0; lower is better\",\"0.47\"],[\"A.M. Best Financial Strength Rating\",\"A+ (Superior)\",\"A+ (Superior)\"],[\"Apple App Store\",\"5.0\",\"4.6\"],[\"Google Play\",\"5.0\",\"3.3\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIn terms of mobile experience, however, Cincinnati Insurance's reputation is a little more mixed. Android users gave the MyCincinnati mobile app just a 3.3 out of 5, while Apple users ranked it much more highly, at 4.6 out of 5. Android users may want to consider another insurer if a superior mobile experience is a top priority. \n","padding":"double"}
Cincinnati Insurance claims
Policyholders have several options for claims with Cincinnati Insurance.
- Option 1: Log in to your Cincinnati Insurance personal lines online account.
- Option 2: Use the MyCincinnati mobile app to file a claim.
- Option 3: Contact your independent insurance agent who sold you your Cincinnati Insurance policy.
- Option 4: Contact Cincinnati Insurance by calling the dedicated claims phone number at 877-242-2544, where you can speak to a company representative about your auto, casualty or homeowners claim.
- Option 5: Contact the company via email by using their online email form. You do not need to log in to file your claim using this method.
Drivers should note that Cincinnati Insurance has a seperate number for auto glass repairs: 877-588-4527.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EPolicyholders have several options for claims with Cincinnati Insurance.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EOption 1\u003C\/strong\u003E: Log in to your Cincinnati Insurance personal lines online account.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EOption 2\u003C\/strong\u003E: Use the MyCincinnati mobile app to file a claim.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EOption 3\u003C\/strong\u003E: Contact your independent insurance agent who sold you your Cincinnati Insurance policy.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EOption 4\u003C\/strong\u003E: Contact Cincinnati Insurance by calling the dedicated claims phone number at 877-242-2544, where you can speak to a company representative about your auto, casualty or homeowners claim.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EOption 5\u003C\/strong\u003E: Contact the company via email by using their online email form. You do not need to log in to file your claim using this method.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EDrivers should note that Cincinnati Insurance has a seperate number for auto glass repairs: 877-588-4527.\n","padding":"double"}
About Cincinnati Insurance
You can purchase the following personal insurance products from Cincinnati Insurance:
- Life insurance
- Home insurance
- Umbrella
- Personal articles
- Watercraft and yacht
- Renters insurance (described as a "tenants" homeowners policy on the site)
Homeowners can also purchase flood insurance from Cincinnati Insurance instead of purchasing from the federal government.
In addition to personal lines like auto and home insurance that protect an individual's property, Cincinnati Insurance sells commercial insurance to protect a business or company.
Cincinnati Financial is the parent company of Cincinnati Insurance, and corporate headquarters for the company are located in Fairfield, Ohio. The Cincinnati Insurance Company headquarters address is:
6200 South Gilmore Road Fairfield, OH 45014
Subsidiaries of the company include:
- The Cincinnati Insurance Company
- The Cincinnati Casualty Company
- The Cincinnati Indemnity Company
- The Cincinnati Life Insurance Company
- The Cincinnati Specialty Underwriters Insurance Company
- CFC Investment Company
- CSU Producer Resources, Inc.
- MSP Underwriting
Methodology
ValuePenguin pulled thousands of quotes from across the state of Illinois for two sample drivers. Both are 30 years old, drive a 2015 Honda Civic EX and have an average credit score. One has a clean driving record; the other has an at-fault accident on his record.
We gave our sample drivers the following coverages:
Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
Quadrant Information Services supplied ValuePenguin with the rate data used in this analysis. Rates are publicly sourced from insurer filings. They are intended solely for comparative purposes, as your own rates could differ based on your age, driving history and other factors.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EValuePenguin pulled thousands of quotes from across the state of Illinois for two sample drivers. Both are 30 years old, drive a 2015 Honda Civic EX and have an average credit score. One has a clean driving record; the other has an at-fault accident on his record.\u003C\/p\u003E\n\n\u003Cp\u003EWe gave our sample drivers the following coverages:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECoverage type\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EStudy limits\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EBodily liability\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$50,000 per person\/$100,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPersonal injury protection\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$10,000\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProperty damage\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$25,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUninsured\/underinsured motorist bodily injury\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$50,000 per person\/$100,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EComprehensive and collision\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$500 deductible\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Coverage type\",\"Study limits\"],[\"Bodily liability\",\"$50,000 per person\\\/$100,000 per accident\"],[\"Personal injury protection\",\"$10,000\"],[\"Property damage\",\"$25,000 per accident\"],[\"Uninsured\\\/underinsured motorist bodily injury\",\"$50,000 per person\\\/$100,000 per accident\"],[\"Comprehensive and collision\",\"$500 deductible\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EQuadrant Information Services supplied ValuePenguin with the rate data used in this analysis. Rates are publicly sourced from insurer filings. They are intended solely for comparative purposes, as your own rates could differ based on your age, driving history and other factors.\n","padding":"double"}
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.