Cincinnati insurance review 2025

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:

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:

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.

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:

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.

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.

*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

Bankrate utilizes Quadrant Information Services to analyze February 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. 

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 2023 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.

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.