Shoppers with high-value homes or collector cars in search of affordable coverage may want to consider Cincinnati Insurance.
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AutoAvg. annual premium for full coverage $1,887Avg. annual premium for min coverage $546HomeAvg. annual premium for $300k dwelling coverage $1,729Avg. annual premium for $750k dwelling coverage $4,230
Compare Cincinnati with other insurers
While Cincinnati Insurance may be a great fit for some, other carriers may also meet your needs. If you are gathering quotes from multiple insurers, you might want to consider these carriers as well:
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Featured
Cincinnati
4.1
Bankrate Scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
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Auto-Owners
4.3
Bankrate Scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
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Chubb
4.3
Bankrate Scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Policyholders who value affordable insurance for high-value assets over robust coverage options might consider Cincinnati as their company of choice.
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Auto-Owners has an impressive list of endorsements and discounts that you might find helpful if you value personalizing your policies
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Similar to Cincinnati, Chubb specializes in high-value homes. The company’s coverage offerings and policy extras are specifically geared toward clients with a high net worth.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Auto Plus endorsement
Local agents
Three types of life insurance
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Guaranteed home replacement
Identify theft coverage
Sewer backup coverage
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24/7 customer service
Masterpiece auto insurance
Free consulting service
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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$1,887 |
$1,890 | $3,527 |
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J.D. POWER AUTO SCORE
J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored |
692/1000 |
Not Scored |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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$1,729 |
$2,121 | $3,251 |
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J.D. POWER HOME SCORE
J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored | 719/1000 |
773/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| A+(Superior) |
A++(Superior) |
A++(Superior) |
Cincinnati car insurance review
Cincinnati's car insurance offerings are highly customizable, with endorsement packages and optional coverage to meet the needs of a wide range of drivers. It may be a particularly good fit for shoppers who own multiple vehicles, including collector cars, motorcycle and motor homes. With coverage available in most states and Washington, D.C., it may be worth getting a quote from Cincinnati to see if its coverage and pricing is a good fit.
Like other top-rated insurance providers, Cincinnati offers all standard coverage types, along with a Personal Auto Plus endorsement that includes zero-deductible windshield replacement, roadside assistance, transportation expenses and other benefits. Other available endorsements include Replacement Cost Plus, which combines new car replacement and gap coverage in a single endorsement, and coverage for collector cars with no minimum age requirement. Cincinnati's wide range of coverage options that may not be available from other carriers, along with high financial strength ratings and a low level of recorded complaints from current customers, contribute to the company's Bankrate Score of 4.3 out of 5.0 for auto insurance.
Pros and cons of Cincinnati car insurance
If you're looking for car insurance quotes from smaller companies, Cincinnati Insurance could be a good fit. However, it's important to understand each carrier's strengths and weaknesses to find the right fit for your needs.
Pros
- Robust endorsements
- Can add a collector car to primary auto policy
- RideWell mobile app offers savings for safe drivers
Cons
- No third-party ratings from J.D. Power
- Not available in some states
- No online quotes
Cincinnati car insurance cost
According to Quadrant Information Services, drivers who insure their car with Cincinnati pay an average of $157 per month for full coverage and $45 per month for state minimum coverage. That's around 30 percent less than the national average cost of car insurance.
Compare Cincinnati car insurance rates
Compared with larger carriers whose names may be more familiar, Cincinnati is typically more affordable, as seen by the average premiums shown below. However, keep in mind that your own rates from each carrier depend on complex rating algorithms, meaning that the cheapest car insurance company for you might be different from the average.
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$157
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$45
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$224
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$75
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$183
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$60
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$181
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$49
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$280
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$82
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$172
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$50
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$161
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$58
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$256
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$81
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$185
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$61
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$188
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$62
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Cincinnati home insurance review
Like its auto insurance products, Cincinnati's affordable home insurance offerings put an emphasis on custom coverage, particularly for high-net-worth clients. The Executive Capstone program permits policyholders to tailor their coverage to meet a complex range of needs and may include coverage for homes valued up to $50 million. Additional packages may be available, including benefits like water damage coverage, golf cart coverage and kidnap and ransom coverage.
Together with low average premiums, high financial strength ratings and a low NAIC complaint index, Cincinnati's coverage offerings helped to earn the company a Bankrate Score of 4.0 out of 5.0 for home insurance.
Pros and cons of Cincinnati homeowners insurance
If you're comparing a home insurance quote from Cincinnati to rates from other carriers, take the time to consider the non-financial factors — both positive and negative — that set Cincinnati apart from its competitors.
Pros
- Tailored coverage for high-value homes
- Multiple endorsements available
- Sold by local independent agents
Cons
- No third-party ratings from J.D. Power for customer satisfaction
- Not available in all states
- Fewer advertised discounts than competitors
Cincinnati home insurance cost
On average, a home insurance policy with $300,000 in dwelling coverage from Cincinnati Insurance costs $1,729 per year, according to Quadrant Information Services. That's approximately 28 percent less than the national average cost of home insurance.
Compare Cincinnati homeowners insurance rates
Cincinnati's home insurance premiums are typically lower than competitors' rates, as shown in the comparison chart below. However, keep in mind that your own quotes from any given company will depend on a wide range of factors, from your location to the age and value of your home.
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$1,729
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- $668 |
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$2,223
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- $174 |
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$2,528
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+ $131 |
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$1,236
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- $1,161 |
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$2,787
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+ $390 |
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$1,969
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- $428 |
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$3,251
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+ $854 |
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$1,987
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- $410 |
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$2,713
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+ $316 |
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$2,436
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+ $39 |
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Answering a few quick questions to check your availability with Cincinnati
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Cincinnati life insurance review
Cincinnati offers three types of life insurance policies — term, whole and universal — to suit the financial considerations of potential policyholders. While Cincinnati’s life insurance products aren’t especially unique, as reflected by its 3.9 out of 5.0 Bankrate Score for life insurance, it could still be a good choice for life insurance, especially for existing Cincinnati customers who prefer to manage their life insurance along with their auto and home. Unlike auto and home insurance, Cincinnati offers life coverage in 49 states and Washington, D.C. New York residents unfortunately don’t have access to Cincinnati life insurance.
Pros and cons of Cincinnati life insurance
If you're considering buying life insurance from Cincinnati, take the following strengths and weaknesses into account. Considering factors beyond the cost of coverage when comparing life insurance quotes can set you up for success down the line.
Pros
- Term, whole and universal policies available
- Term policy lengths range from 10 to 30 years
- Sold by local financial professionals
Cons
- Not available in New York State
- Few riders advertised
- No J.D. Power life insurance score
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
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78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
What are real-life customers saying about Cincinnati?
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Frequently asked questions
What policyholders are saying about Cincinnati
Cincinnati has 50 reviews
Dive into community reviews below and see what others think about Cincinnati.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
Methodology
Bankrate utilizes Quadrant Information Services to analyze August 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Auto Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
