Skip to Main Content

Cincinnati insurance review 2024

Updated Nov 26, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

4.1
Rating: 4.1 stars out of 5
Bankrate Score
Caret Down Icon

Auto

Rating: 4.1 stars out of 5

4.1

Caret Down Icon

Cost & ratings

Rating: 4.5 stars out of 5

4.5

Coverage

Rating: 3.5 stars out of 5

3.5

Support

Rating: 4 stars out of 5

4.0

Home

Rating: 4 stars out of 5

4.0

Caret Down Icon

Cost & ratings

Rating: 4.25 stars out of 5

4.3

Coverage

Rating: 4.33 stars out of 5

4.3

Support

Rating: 3 stars out of 5

3.0

About Bankrate Score

Bankrate's take

Policyholders who value affordable insurance for high-value assets over robust coverage options might consider Cincinnati as their company of choice.

  • Policies sold by local agents
  • Auto Plus Endorsement
  • Earthquake coverage
  • Life insurance available in 49 states
  • No J.D. Power ratings
  • No online quotes

Cincinnati car insurance review

Drivers with higher-end lifestyles may particularly benefit from Cincinnati car insurance, especially when the coverage is combined with other product lines. Auto insurance coverage is available in most states and Washington, D.C., but Cincinnati does not sell auto insurance in Alaska, Louisiana, Mississippi, Oklahoma or South Dakota. If you’re shopping for the best car insurance company, it may be worth getting a quote from Cincinnati to see how well its coverage fits your situation.

Cincinnati offers all the standard auto insurance coverage types, plus several endorsements to help you build a policy that works for you. Drivers looking for a coverage boost might be interested in the Personal Auto Plus endorsement, which adds numerous optional financial protections to your policy, including trip interruption coverage, airbag replacement and lock replacement — although the specifics of the endorsement vary by state. These optional add-ons, plus Cincinnati’s high financial strength rating and low level of complaints, contribute to its auto insurance Bankrate Score of 4.1 out 5.0.

Pros and cons of Cincinnati car insurance

If you’re in the process of getting car insurance quotes and comparing rates, you may want to think about comparing other aspects of insurers too. That way, you get a better understanding of how a company will fit your needs. Here are some pros and cons that we identified in our Cincinnati Insurance review for the company’s car insurance product:

Green circle with a checkmark inside

Pros

  • Robust Auto Plus endorsement
  • Local agents may better understand the needs of policyholders in your area
  • Has insurance options for antique and collector cars
Red circle with an X inside

Cons

  • No J.D. Power customer claims satisfaction ratings
  • Not available nationwide
  • No online quotes
Caret Down Icon

Cincinnati car insurance cost

Based on Bankrate’s analysis of premium data from Quadrant Information Services, the average cost of full coverage car insurance with Cincinnati is $1,579 per year, while minimum coverage costs an average of $432 per year, as of November 2024. For comparison, the national average cost of car insurance is $2,458 per year for full coverage and $678 per year for minimum coverage. Your unique rating factors, such as the make and model of your car and where you live, will impact how much you pay, and your rate with Cincinnati could be higher or lower than the averages we show here.

How much is Cincinnati car insurance?

Your driving history has a large impact on how much you pay for your car insurance. Drivers with at-fault accidents or moving violations on their records may find it harder to find cheap car insurance. Below, we compare Cincinnati’s average rates to the national average for a few different driver profiles.

Good driver, good credit
Cincinnati full coverage premium
$1,579
National full coverage premium
$2,458
Cincinnati full coverage premium
$2,829
National full coverage premium
$4,502
Cincinnati full coverage premium
$1,852
National full coverage premium
$2,975
Cincinnati full coverage premium
$2,188
National full coverage premium
$3,508
Cincinnati full coverage premium
$4,967
National full coverage premium
$4,713
*All rates displayed are average annual rates.

Cincinnati car insurance quotes by age

In most states, your age is also a major car insurance rating factor. Younger drivers usually pay higher rates but may be able to save on car insurance by staying on their parents’ policies until they have established their own households. We compare Cincinnati’s average rates to the national average for several ages below, and we’ve included young drivers both on and off their parents’ policy (note that drivers under 18 are not legal adults and generally cannot own a car insurance policy). These drivers have clean driving records; keep in mind that driving incidents will likely increase rates.

Cincinnati full coverage premium
$2,905
National full coverage premium
$5,229
Cincinnati full coverage premium
$2,610
National full coverage premium
$4,501
Cincinnati full coverage premium
$4,832
National full coverage premium
$4,972
Cincinnati full coverage premium
$2,847
National full coverage premium
$3,031
Cincinnati full coverage premium
$2,447
National full coverage premium
$2,622
Cincinnati full coverage premium
$1,579
National full coverage premium
$2,458
Cincinnati full coverage premium
$1,400
National full coverage premium
$2,220
Cincinnati full coverage premium
$1,579
National full coverage premium
$2,458
Cincinnati full coverage premium
$1,400
National full coverage premium
$2,220
*All rates displayed are average annual rates.

Compare Cincinnati car insurance rates

$1,579
$432
$3,060
$987
$2,418
$706
$2,107
$558
$3,081
$925
$1,992
$585
$1,934
$697
$2,688
$886
$1,996
$543
$2,127
$767
$1,992
$585
$1,934
$697
$2,688
$886
$1,996
$543
$2,127
$767

Cincinnati customer satisfaction

Analyzing a company’s customer satisfaction scores and other third-party ratings is an important part of choosing the best insurer for your needs. Cincinnati earns an A+ (Superior) financial strength rating from AM Best, the second-highest level available. This indicates that Cincinnati has historically been able to pay claims. When analyzing auto insurance satisfaction, consumer data analytics company J.D. Power rates insurers for both overall satisfaction and claims satisfaction. Unfortunately, Cincinnati wasn’t rated in any studies, likely because it is a smaller insurer.

Cincinnati auto insurance customer complaints

Cincinnati's rating with the National Association of Insurance Commissioners (NAIC) has been impressive for three straight years. The NAIC Complaint Index has a baseline of 1.0, which marks the industry average number of complaints for similar-sized companies. For private passenger insurance, specifically, Cincinnati scored under 0.50 for every year between 2021 and 2023. These low indexes suggest that the company is responsive to customer needs and handles customer issues and claims swiftly and efficiently.

Cincinnati car insurance discounts

Making use of your insurer's discounts is one way to lower your rate. Almost all insurers offer a few discounts, and many are easy to earn. Here are a few discounts available from Cincinnati for your auto insurance policy.

  • Bundling: The company rewards you with a discount on each policy if you insure your home and vehicle.
  • Multiple vehicles: Save on each vehicle you insure with Cincinnati.
  • Claims-free: If you’ve gone a certain period of time without filing a claim, Cincinnati will issue you a discount.
  • Student: Students enrolled in high school or college who earn at least a 3.0 GPA or B average can earn a discount.
  • Telematics: If you participate in RideWell, Cincinnati’s telematics program, you could earn discounts for driving safely.
  • Billing: Paying for your entire policy period upfront or enrolling in paperless billing are two easy-to-earn discounts.
Bankrate and Coverage Logo

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Cincinnati
Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cincinnati home insurance review

While Cincinnati home insurance stands out for its high-value home coverage, the carrier insures homes of any value in the states it serves (all but Alaska, Louisiana, Mississippi, Oklahoma and South Dakota). Homeowners have a couple of different options to choose from, including the Executive package for homes of any value and the Executive Capstone package for homes valued at $1 million or more. Each package comes with its own set of built-in coverage and optional endorsements like Wildfire Protection Service, water damage coverage, golf cart coverage and kidnap and ransom coverage to name a few. Package availability varies by state. 

Our Cincinnati home insurance review determined the company has a Bankrate Score of 4.0 out of 5.0 for home insurance based on its low average premiums, high financial strength rating and low NAIC Complaint Index.

Pros and cons of Cincinnati homeowners insurance

Just like with auto insurance, it may be helpful to compare home insurance quotes as well as other aspects of each insurer as you shop. We identified the following perks and drawbacks of Cincinnati home insurance to keep in mind as you shop for coverage:

Green circle with a checkmark inside

Pros

  • Two levels of coverage to choose from depending on the value of your home
  • Several endorsements available
  • Sold by local agents
Red circle with an X inside

Cons

  • No J.D. Power customer or claims satisfaction ratings
  • Not available nationwide
  • Fewer discounts advertised than many competitors
Caret Down Icon

Cincinnati home insurance cost

Nationally, home insurance costs an average of $2,304 per year for $300,000 in dwelling coverage. Cincinnati Insurance’s average annual premium for the same amount of coverage is $1,613 per year, which is 30 percent less. Remember that the cost of home insurance will vary based on a number of factors, though, including the specific features of your home, your claims history, your state and the coverage limits on your policy. Below, we compare Cincinnati’s average rates to the national average for several dwelling coverage amounts.

$150K dwelling
Cincinnati average premium
$930
National average premium
$1,406
$300K dwelling
Cincinnati average premium
$1,613
National average premium
$2,304
$350K dwelling
Cincinnati average premium
$1,829
National average premium
$2,571
$450K dwelling
Cincinnati average premium
$2,289
National average premium
$3,118
$750K dwelling
Cincinnati average premium
$3,643
National average premium
$4,549

Compare Cincinnati homeowners insurance rates

Home insurance rates for the same home may vary by company. Each insurer has its own formula for calculating rates and discounts, so comparing policy quotes is important.

$1,613
- $691
$1,984
- $320
$2,289
- $15
$1,451
- $853
$2,448
+ $144
$1,772
- $532
$3,567
+ $1,263
$1,698
- $606
$2,485
+ $181
$1,871
- $433
$1,772
- $532
$3,567
+ $1,263
$1,698
- $606
$2,485
+ $181
$1,871
- $433

Cincinnati customer satisfaction

Cincinnati has an A+ (Superior) financial strength rating from AM Best, meaning its historical ability to pay out claims has been strong. Consumer data analytics company J.D. Power did not rate Cincinnati home insurance in any customer satisfaction studies, however, likely because it is a smaller insurer.

Cincinnati home insurance customer complaints

Cincinnati has a stellar track record for customer service. For three years in a row, from 2021 to 2023, they’ve posted an NAIC index of 0.25 or lower for their home insurance product. This means Cincinnati receives fewer than one complaint for every four that a similar-sized insurer with a rating at the industry average would receive. Hopefully, you never have to file a home insurance claim, but if you do, Cincinnati has a reputation for making the process relatively hassle-free.

Cincinnati home insurance discounts

Taking advantage of discounts may help you find cheaper home insurance, but just like with auto insurance, Cincinnati doesn’t advertise many home discounts. However, you could save by:

Discounts may vary by state, so talking with a local Cincinnati agent may be the best way to learn about your savings options.

Bankrate and Coverage Logo

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Cincinnati

Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cincinnati life insurance review

Cincinnati offers three types of life insurance policies — term, whole and universal — to suit the financial considerations of potential policyholders. Although Cincinnati’s products don’t particularly stand out as unique, it could still be a good choice for life insurance depending on your circumstances. 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

As you shop for and compare life insurance quotes, you may want to take even more care to look at factors other than price. The cost of life insurance is based primarily on your age, health and the type of policy you choose. Identifying the pros and cons of different life insurance companies can help you find a carrier that meets your needs. Here are some areas where Cincinnati excels and falls short:

Green circle with a checkmark inside

Pros

  • Sells three types of life insurance: term, whole and universal
  • Offers a wide range of term life insurance policy lengths, from one to 30 years
  • Sold by local financial professionals to help guide you to the right policy type
Red circle with an X inside

Cons

  • Not available in New York
  • Few riders advertised
  • No J.D. Power life insurance satisfaction score

Cincinnati life insurance riders

The add-ons or riders that are available to add to your Cincinnati life insurance policy will depend on the type of policy you buy, the state you live in and your eligibility. If you’re looking for cheap life insurance, remember that riders will increase your premium, but the extra coverage could be a worthwhile tradeoff. Cincinnati offers the following riders, among others, for its term and whole life policies:

  • Accelerated benefit rider: If you are diagnosed with a terminal illness or are expected to reside in a nursing home or assisted living facility for the remainder of your life, you may be able to access some of your death benefit before you pass.
  • Children’s term rider: This rider could allow you to add coverage for a qualifying child on your own policy, rather than buying separate life insurance for your child.
  • Disability waiver of premium rider: If you’ve been disabled for four consecutive months, you may have your premium payment waived for the duration of your disability.

Compare life insurance providers quickly and easily

See which provider is right for you.

Caret Down IconCaret Up Icon
Please select age
Caret Down IconCaret Up Icon
Please select Coverage amount
Caret Down IconCaret Up Icon
Please select Policy type
Location-Icon
Your information is secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Bankrate
Why Lemonade? It's a fresh twist on life insurance: easy, accessible and affordable.
See more providers in
Choose from insurers in

Compare Cincinnati with other insurers

While Cincinnati Insurance company may be a great fit for some, you may also have other needs to consider. If you are gathering quotes from multiple insurers, you might want to consider these carriers as well:

Badge Icon Featured

Cincinnati

Cincinnati
Rating: 4.1 stars out of 5
4.1
Caret Down Icon

Cost & ratings

Rating: 4.4 stars out of 5
4.4

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 3.5 stars out of 5
3.5

Auto-Owners

Auto-Owners
Rating: 4.5 stars out of 5
4.5
Caret Down Icon

Cost & ratings

Rating: 4.8 stars out of 5
4.8

Coverage

Rating: 4.2 stars out of 5
4.2

Support

Rating: 4.2 stars out of 5
4.2

Chubb

Chubb
Rating: 4.3 stars out of 5
4.3
Caret Down Icon

Cost & ratings

Rating: 4 stars out of 5
4.0

Coverage

Rating: 4.8 stars out of 5
4.8

Support

Rating: 4.2 stars out of 5
4.2
OVERVIEW
Info Icon
Auto-Owners has an impressive list of endorsements and discounts that you might find helpful if you value personalizing your policies. Combine that with a low overall NAIC complaint index and several helpful discounts, and you may find that Auto-Owners is a great choice for your needs.
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.
STANDOUT FEATURES
Info Icon
Mortgage Puchase Icon
Guaranteed home replacement
Lock Icon
Identify left coverage
Home Insurance Guide Icon
Sewer backup coverage
Phone Icon
24/7 customer service
New Car Icon
Masterpiece auto insurance
Briefcase Icon
Free consulting service
AVG FULL COV. AUTO RATE
Info Icon
$1,775 $3,541
J.D. POWER AUTO SCORE
Info Icon
692/1000 Not Scored
AVG HOME RATE
Info Icon
$1,696 $3,567
J.D. POWER HOME SCORE
Info Icon
869/1000 876/1000
AM BEST RATING
Info Icon
A++(Superior) A++(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Cincinnati insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Cincinnati Insurance a good insurance company?

Cincinnati could be a good insurance company for many drivers and homeowners. The company offers a wide range of products and options and has a low level of complaints about its service. Cincinnati could be a particularly good choice for homeowners with high-value homes, due to the unique Executive Homeowner and Executive Capstone policies. Cincinnati doesn’t have the most robust digital tools, though, and it isn’t available nationwide. The best way to know if Cincinnati is the right company for you is to reach out to a local agent, get a quote and evaluate the coverage offerings and service for yourself.

What are real-life customers saying about Cincinnati?

To provide a clearer picture of the customer experience with Cincinnati Insurance, we've sourced real-life takes from two popular online platforms: Reddit and Bogleads.org, where users share honest reviews and offer personal experiences. Similarly, Bogleheads offers a space for users to request personal anecdotes and opinions from other users.

Reddit

From the Reddit community, Cincinnati Insurance reviews are overwhelmingly positive. For the most part, people are happy with how quickly claims are paid out and the level of coverage offered. However, there are a few negative experiences detailing inconsistent service or denied claims.

Reddit User 1*
Nov 28, 2023
Cincinnati claims
I’ve had Cincinnati for about 5 years and it has been incredible. Great price and great customer service. I’ve had both a home claim and car claim. Both were extremely smooth and there was no pushback. Highly recommend.
via Reddit
Reddit User 2*
Jan 12, 2024
Auto repair experience
Solid company but I've had a body shop complain about them recently. It was sort of shocking because they used to be known for being "easy" and paying whatever the shop asked for.
via Reddit

Bogleheads.org

Bogleheads.org also had positive Cincinnati Insurance reviews. Customers particularly praised the ability to talk to a local agent instead of getting a different customer service rep every time they call. Some customers mentioned that Cincinnati rates are only marginally better than alternatives.

Bogleheads User 1*
May 1, 2022
Switching from Chubb to Cincinnati
We just switched to Cincinnati from Chubb. We had Chubb for many years, but they objected to our Ring alarm system for fire and burglary. They don’t believe in WiFi. Cincinnati was fine with it.
Bogleheads User 2*
Jul 4, 2023
Cincinnati claims experience
I’ve had them for 20+ years. I have home, auto, and liability coverage. I haven’t had many claims, but the ones I had were processed fairly.

*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.

Cincinnati company details

  • Auto and home insurance customer service: 1-888-242-8811
  • Auto and home insurance claims: 1-877-242-2544
  • Life insurance customer service: 1-800-783-4479
  • Life insurance claims: 1-888-212-6970
  • Automated pay-by-phone: 1-800-364-3400
  • Payments and online support: 1-888-242-0888
  • Mailing address: P.O. Box 145496, Cincinnati, OH 45250-5496

State availability

Available in 45 states and Washington, D.C. Cincinnati does not sell auto or home insurance in Alaska, Louisiana, Mississippi, Oklahoma or South Dakota. Cincinnati life insurance is available nationwide, with the exception of New York.

Cincinnati tools and benefits

In addition to its core businesses of auto, home and life insurance, Cincinnati offers a number of other types of insurance as well as some tools that can help policyholders manage their financial business easily. Here are a few of the tools and benefits that are available:

  • Business insurance: If you own a business, you may want to take advantage of Cincinnati’s commercial options, including business auto, commercial property and workers’ compensation insurance.
  • Personal articles coverage: This policy type, also called scheduled personal property coverage, is designed to insure high-value items like fine jewelry, collectibles or antiques.
  • Boat insurance: If you own boats or personal watercraft that are both over or under 20 feet long, you can insure them through Cincinnati Financial.
  • Personal umbrella insurance: Umbrella insurance provides additional liability coverage that can help further protect your finances.
  • Antique and collector car coverage: Insure your collector cars on the same policy as your other vehicles, making policy management simple and easy.
  • Mobile app: You can access your Cincinnati account through the mobile app, which is available for iOS and Android. Android users give the app a rating of 4.0, while iOS users rate the app 4.7.
  • Executive Capstone program: If you have a home with a replacement cost value of $1 million or more, the Executive Capstone program could help you financially protect your home and could also extend to your auto, collector cars, boat or yacht policy and your personal umbrella policy
  • Annuities: If you’re trying to save for retirement, you may be interested in the variety of annuities that Cincinnati provides its customers.

Frequently asked questions about Cincinnati Insurance

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 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. 

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

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.

What policyholders are saying about Cincinnati

CTA Cincinnati has 24 reviews

Cincinnati has 24 reviews

Dive into community reviews below and see what others think about Cincinnati.

4.2 Star Icon
24 ratings
Info Icon
79% of consumers
recommend this insurer
Score breakdown
5 stars
46%
4 stars
33%
3 stars
17%
2 stars
4%
1 star
0%
Score by category
Overall rating 4.2 / 5
Original cost 3.7 / 5
Coverage 4.2 / 5
Customer Support 4.0 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, 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.

Community Reviews

See what users like you are saying about Cincinnati.
Search Icon
Caret Down Icon
Anonymous Policyholder
August 20, 2024
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Because they are a good place to get insurance
Insurance Type
Auto
Score by category
Original cost 2 / 5
Customer Support 3 / 5
Coverage 2 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Very prudent
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I love their services
Insurance Type
Auto
Score by category
Original cost 2 / 5
Customer Support 3 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Responsive and help customer support
How does this insurer compare to insurance companies you’ve had in the past?
Compare adoption of technology and innovation in service
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
This insurer has far surpassed my previous insurance experiences with its refreshingly personalized approach, lightning-fast claims resolution, and unwavering commitment to customer satisfaction, shattering my initial expectations and setting a new gold standard for what I demand from an insurance provider.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would enthusiastically recommend staying with this insurer due to their remarkable ability to balance comprehensive coverage with affordably priced premiums, but I would consider leaving if they were to sacrifice their exceptional customer service standards, which have been a hallmark of my experience and a key differentiator from other insurance providers.
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I have some relatives and friends who use their services, so i decided to try them out and i have not had any issue with them.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The number one reason that i would recommend staying with this insurer is that their customer service is top-notch. I don't have any reason that I'd consider leaving for a different company
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Compared to my previous insurance companies, [Current Insurer] stands out for its exceptional customer service, user-friendly claims process, and competitive pricing, exceeding my expectations and setting a new standard for what I expect from an insurance provider.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The exceptional customer service and support I receive from [Current Insurer], particularly the prompt and clear communication from their claims team, makes me feel valued and confident in their ability to help me when I need it most.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
It's been OK. Easy to contact customer service and they are knowledgeable, helpful, and friendly.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Cost
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
But this insurance has done compared to other insurance providers have had provides wonderful costs that I've never seen before. They offer grease periods and late fees to be waived. I really like this.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The number one reason I recommend this to others is the cost. The number one reason I would consider leaving for a different company is if they raise the rates too high. If they didn't have the promotional offers I would want to leave.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 3 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Reliable and convenient
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Stay for rates, leave for better reviews
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
It was recommended by associates of mine and it had good online reviews
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I'd recommend staying with them because of their good rates and coverage and their excellent customer service. I would not even consider switching companies.
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5