Updated: October 31, 2025
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Cincinnati Insurance ranks eighth for full coverage affordability and sixth for minimum liability coverage with average rates of $99 and $38 monthly, respectively.
Cincinnati Insurance earns sixth place nationwide for overall customer satisfaction, standing out due to strong agent service and positive forum reviews.
Cincinnati Insurance captures the seventh spot for coverage options, offering unique features like new car replacement coverage and accident forgiveness programs.
Cincinnati Insurance ranks third overall regionally, placing it among the best car insurance companies in our analysis. It performs strongest in customer experience and coverage options.
However, this ranking represents a 40-year-old male driver with good credit and no driving violations, so Cincinnati Insurance's position for you will vary based on your specific profile and coverage needs.
| Overall Score | 4.61 | 3 |
| Customer Experience | 4.64 | 6 |
| Coverage | 4.08 | 7 |
| Affordability | 4.68 | 8 |
Cincinnati Insurance works best for adult drivers, those with low income, drivers with bad credit and those seeking strong overall value. However, it's not the top choice for senior drivers or young drivers.
Below, you can compare how Cincinnati Insurance stacks up for your unique profile.
| Overall Score | 4.46 | 6 |
Cincinnati Insurance car insurance costs vary widely based on your personal profile, ranging from $34 to $1,345 monthly. We've analyzed how age group, gender, coverage level, credit score and driving record affect your rates nationwide to help you find the best option.
| $219 | $2,623 | -21% | 10 |
Cincinnati Insurance will be much more expensive on average for young drivers, senior drivers, drivers with accidents, drivers with DUIs and drivers with newer cars. The company doesn't rank among the cheapest car insurance companies for any driver category. You can review how affordable Cincinnati Insurance is for your specific driving profile below.
| Adult Drivers | $35 | $92 | -25% | 8 |
| Drivers With A DUI | $80 | $213 | -9% | 17 |
| Drivers With An Accident | $61 | $161 | -8% | 15 |
| Drivers With A Speeding Ticket | $41 | $108 | -28% | 8 |
| Drivers With Bad Credit | $56 | $143 | -42% | 7 |
| Drivers With Low Income | $42 | $105 | -32% | 5 |
| Drivers With Newer Cars | $52 | $142 | -14% | 13 |
| Drivers With Old Cars | $30 | $79 | -27% | 8 |
| Senior Drivers | $64 | $137 | -4% | 19 |
| Young Drivers | $86 | $217 | -20% | 11 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, Adults 26 to 64, and seniors 65 and older. Older vehicles change the vehicle age to 2007, and newer vehicles change it to 2025.
Cincinnati Insurance offers two advertised car insurance discounts, with average savings of up to 18% depending on your driving profile, involvement in programs and your area. Check out its offerings:
RideWell® Discount | Up to 10% sign-up discount, up to 18% at renewal | Enroll in smartphone app that monitors driving behavior including braking, speeding, phone use, turning, and acceleration | Program and discount availability varies by state; available in limited number of states |
Multi-Policy Discount | Not specified | Bundle auto insurance with other policies (suggested in cost reduction tips) | Available in all states served |
Cincinnati Insurance ranked sixth in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Based on customer feedback across various platforms, the company receives strong ratings for agent service and digital experience.
However, customer reviews show more complaints related to claims handling compared to other service areas. Below, we break down the buying, policy management and claims process experiences based on our research.
Cincinnati Insurance works only through local independent agents, not online quotes or direct sales.
This approach gives customers personal service from agents who “live and work in the communities you call home.”
The drawback is that the company’s website shares little coverage detail, so many drivers must speak with an agent for basic information.
The mobile app experiences technical issues with some users reporting persistent login errors and crashes. Customer service hours are limited compared to other insurers, and weekend support is minimal.
Customer experiences with claims show significant variation. Positive reviews describe exceptional service with claims representatives who "remained in constant contact throughout the claims process" and provided "caring and professionalism" during difficult times like hurricanes.
However, negative experiences include systematic denial of legitimate claims (particularly hail damage), with customers reporting Cincinnati uses "engineers" who provide "canned reports" to deny valid claims.
Some customers report communication delays lasting weeks, unresponsive adjusters, and feeling that the company uses "defer, delay, and eventually deny" tactics. A 2024 class-action lawsuit settlement spanning 10 states and 10 years found Cincinnati was "cheating" customers on claims.
Cincinnati Insurance ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Cincinnati Insurance's scores from industry agencies.
AM Best Financial Strength | A+ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | AA | AAA to D | High credit quality |
S&P Global Financial Strength | A | AAA to D | Strong financial security characteristics |
Moody's Financial Strength | A2 | Aaa to C | Upper-medium grade with low credit risk |
J.D. Power Auto Claims Satisfaction | 672 out of 1,000 | 1,000-point scale | Below average (industry average: 697) |
J.D. Power Digital Service Experience | 715 out of 1,000 | 1,000-point scale | Above average (tied for third place) |
J.D. Power Auto Insurance Shopping Study | 678 out of 1,000 (ninth of 17) | Out of 1,000 | Ninth out of 17 companies with a better-than-average experience |
NAIC Auto Complaints | 0.25-0.50 | 1.00 is average | Far below-average-complaints (fewest complaints category) |
Cincinnati Insurance customers on Reddit and online forums frequently praise the company's excellent claims handling, strong financial stability, and personalized service through independent agents.
The company's focus on quality over quantity and selective underwriting practices resonates well with customers seeking reliable coverage and fair treatment. However, some concerns emerge around stricter qualification requirements and limited direct-to-consumer options compared to larger national carriers.
Below, we've provided generated quotes based on actual customer reviews to summarize the general experiences from forums across the web.
General thoughts on pricing are positive among qualified customers, with competitive rates and excellent value for the coverage quality according to forum users:
"Cincinnati Insurance isn't always the cheapest quote, but the value is outstanding. When you factor in their claims service and financial strength, it's worth every penny."
"My rates with Cincinnati have been stable for years - no surprise increases or games with renewal pricing. They seem to price fairly upfront rather than using teaser rates."
Claims processing often earns outstanding reviews, with customers pointing to speed, fairness, and professionalism:
"Cincinnati Insurance handled my total loss claim flawlessly. Fair settlement, quick processing, and the adjuster was knowledgeable and professional throughout. Best claims experience I've ever had."
"When a tree fell on my car during a storm, Cincinnati had an adjuster out the next day and approved repairs immediately. No hassles, no delays - just excellent service when I needed it most."
Several customers highlight Cincinnati Insurance’s service, pointing to the support of independent agents and knowledgeable staff:
"My Cincinnati Insurance agent is top-notch - always available, extremely knowledgeable, and genuinely cares about getting me the right coverage. The personal attention is remarkable."
"Every interaction with Cincinnati has been professional and helpful. Whether calling the main office or working with my local agent, they clearly train their people well."
The digital platform receives moderate reviews, with reliable basic functionality but room for enhancement compared to tech-focused competitors:
"Cincinnati's online portal is clean and functional - I can manage my policies, make payments, and access documents easily. It's not cutting-edge but it works well and reliably."
"The mobile app handles essential tasks fine, though I'd love to see more self-service features. For most things I prefer working with my agent anyway since the service is so good."
Trust levels are exceptionally high, with customers frequently mentioning the company's financial strength and ethical business practices:
"Cincinnati Insurance is rock solid financially and ethically. They've been around for over 60 years and have an excellent reputation in the industry for doing right by policyholders."
"I chose Cincinnati specifically for their financial stability and claims-paying reputation. When you need insurance to actually work, you want a company with their track record."
Customers value the range of coverage options and the chance to work with knowledgeable agents to customize policies:
"Cincinnati offers excellent coverage options and my agent helped me understand exactly what I was buying. No surprises in the policy language - everything was clearly explained upfront."
"The coverage is comprehensive and competitively priced. Only limitation is they're selective about who they'll insure, so not everyone qualifies, but if you do, it's excellent."
"Cincinnati's umbrella coverage integrates perfectly with auto and home policies. Having everything with one financially strong company gives me real peace of mind."
"Coverage options are solid, though they tend to focus on standard risks. If you have a complex situation or specialty needs, they might not be the right fit since they're pretty selective."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Cincinnati Insurance provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
Personal Auto Plus Endorsement | Comprehensive add-on package including windshield glass replacement, airbag replacement, roadside assistance, lock replacement, child safety seat replacement, transportation expenses | Zero deductible windshield replacement; includes multiple coverage enhancements in one package |
Replacement Cost Plus | Combines new car replacement and gap coverage to address depreciation issues | Pays difference between car value and loan balance; covers new car replacement for total losses |
Gap Coverage | Pays the difference between auto value and unpaid loan/lease balance in total loss | Available as standalone or part of Replacement Cost Plus; can be worth thousands of dollars |
Exhibition Auto Coverage | Coverage for antique or collector cars displayed at shows, parades, and events | Agreed value coverage; no minimum age requirement; mutually agreed settlement amount |
RideWell App Discount | Safe driving monitoring app that tracks braking, speeding, and phone use | Earn discount at sign-up; additional discounts at renewal based on driving scores |
Rental Car Coverage | Industry-leading rental coverage through auto liability policy | Claims paid with no deductible; covers lost rental company income during repairs |
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Cincinnati Insurance (Directly Offered) | |
Third-Party Partner | Excess and surplus lines (through Cincinnati Specialty Underwriters and Lloyd's of London coverholder CSU Producer Resources), specialized coverage for hard-to-place accounts |
Cincinnati Insurance is a reliable and reasonably affordable insurance provider with an extensive selection of add-on coverage options. Due to this, it ranked well overall in our study of providers, earning the fourth spot for full coverage and second for minimum coverage. Research and compare multiple insurers to determine your coverage needs before purchasing, ensuring you get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Cincinnati Insurance car insurance:
Yes, Cincinnati Insurance is a legitimate car insurance company that secures third place in our comprehensive car insurance provider rankings. The insurer particularly excels in customer experience, consistently demonstrating strong performance among its industry competitors.
Cincinnati Insurance isn't the top option for any state, but it does rank fourth overall in Alabama.
Cincinnati Insurance charges adults an average of $442 annually for state minimum coverage and $1,169 for full coverage. Annual premiums range from $406 to $4,106 for minimum coverage and $1,016 to $10,459 for full coverage.
Cincinnati Insurance gets mixed feedback on claims. Some customers report denied claims for weather damage and property losses, while others point to delays and disputes over coverage details. Broader data on denial patterns is limited and comes mostly from individual forum reviews.
Note: This represents limited information based primarily on forum reviews.
Cincinnati Insurance offers competitive rates for certain high-risk drivers. It ranks fifth overall for drivers with low income and seventh for drivers with bad credit, making it a solid choice for these groups.
Yes, Cincinnati Insurance raises car insurance rates over time due to inflation impacting repair and medical expenses, increased claims from distracted driving and severe weather, plus higher vehicle technology costs. They also adjust rates based on area risk assessments, regulatory changes, and personal factors like credit score shifts.
Yes, Cincinnati Insurance does increase rates over time like most insurers. However, Cincinnati Insurance isn't the best choice for young drivers, ranking 11th for overall affordability with higher premiums.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
To keep rate comparisons consistent, we applied a single driver profile as the baseline. This standard driver is defined by the following traits:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
