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Cincinnati vs. AAA Insurance
Which insurance company is right for you? Compare ratings, coverage, and quotes from Cincinnati and AAA.
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- Cincinnati Insurance vs Auto Club Group
Cincinnati vs. AAA: What You Need to Know
With an A+ rating from the BBB, Cincinnati Insurance Company has been serving its customers since 1950. The Cincinnati Insurance company was founded in 1950 by four independent agents, two of whom were brothers, John Jack Schiff and Robert Cleveland Schiff. The company operates in 13 states through nearly 1,000 selected independent agencies.
Today, AAA is one of the largest travel organizations in the world. Prevention of car crashes became a concern for AAA clubs early on. In 1920, the School Safety Patrol program began, with children protecting classmates from traffic dangers. This was introduced to elementary and junior high schools. AAA also pioneered driver education classes in high schools. The AAA also published a Responsible Driving textbook (first published as Sportsmanlike Driving), which has become the most widely used book for new drivers. AAA also offers alcohol education programs, which thousands of communities use to address the problem of drunk driving.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Cincinnati Insurance Overview and Auto Club Group Overview.
Cincinnati Insurance vs. Auto Club Group: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Cincinnati Insurance and Auto Club Group. On average, Cincinnati Insurance charges approximately $214.66 per month while Auto Club Group comes in at around $338.06 per month. For Cincinnati Insurance, the cheapest state average is Tennessee at $177.28 per month and the most expensive is Tennessee at $177.28 per month. For Auto Club Group, the cheapest state average is Illinois at $258.39 per month and the most expensive is Michigan at $396.08 per month.
Average Rate
Average Rate
Average Rate
| State | Cincinnati Insurance | Auto Club Group |
|---|---|---|
| Illinois | - | $258.39 |
| Michigan | - | $396.08 |
| Tennessee | $177.28 | - |
Cincinnati Insurance vs. Auto Club Group: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Cincinnati Insurance and Auto Club Group typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Cincinnati Insurance | Auto Club Group |
|---|---|---|
| 1 Vehicle | $222.43 | $329.65 |
| 2 Vehicles | $ | $379.50 |
Cincinnati Insurance vs. Auto Club Group: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Cincinnati Insurance charges $156.20 per month and Auto Club Group charges $327.47 per month for customers who own their home.
| Own/Rent | Cincinnati Insurance | Auto Club Group |
|---|---|---|
| Own | $156.20 | $327.47 |
| Rent | $241.64 | $342.04 |
What is Cincinnati and AAA Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Cincinnati and AAA ranked among the industry ratings.
| Comparison | Cincinnati | AAA |
|---|---|---|
| Year Founded | 1950 | 1902 |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| Moody's Rating | A1 | |
| NAIC Complaint Index | 0.22 | |
| NAIC Complaint Ratio | 0.53 | |
| S&P Rating | A+ | A+ |
Cincinnati or AAA: Insurance Products Offered
What coverage is available through Cincinnati and AAA? Both insurance companies offer Auto, Home, and Life insurance. Additional products from AAA insurance also includes Commercial, Renters, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Cincinnati Insurance and Auto Club Group Insurance page.
| Insurance | Cincinnati | AAA |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | |
| Umbrella Insurance | ✔ |
Cincinnati or AAA: Ways To Save
AAA offers a wide range of discounts to its policyholders, including Good Student, Loyalty, and Multi-policy discounts. Cincinnati also offers a few discounts that AAA doesn’t including Safety Features, Safety Equipment (Auto, Home, Business), and New Home discounts. Start taking advantage of discounts offered by insurance providers like AAA and Cincinnati insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Cincinnati | AAA |
|---|---|
| Good Claim History Discount | Good Driver Discount |
| Good Student Discount | Good Student Discount |
| Healthy Living Discount (Life Insurance) | Loyalty Discount |
| High Deductible Discount | Multi-policy Discount |
| Multi-car Policy Discount | Multi-vehicle Discount |
| Multi-policy Discount | Verified Mileage Discount |
| New Home Discount | |
| Safety Equipment Discount (Auto, Home, Business) | |
| Safety Features Discount |
Pros & Cons of Cincinnati & AAA
Pros
Cincinnati
- Cincinnati Insurance Company is dedicated to superior customer service.
- Cincinnati has the highest ratings for financial strength.
- For antique or collector car owners whose cars are less than 25 years old, Cincinnati Insurance is the best of very few options out there.
AAA
- With a membership with AAA means discounts and services like identity theft.
- Membership can be valuable for frequent travelers.
Cons
Cincinnati
- Cincinnati Insurance Company only operates in 13 states.
AAA
- The annual fee for membership.
- Membership required to buy car insurance.
Cincinnati or AAA Mobile Apps Options
The Cincinnati Insurance Mobile app is available for android and iPhones and iPads. This insurance tool is where you can manage payments, view auto policy information, download ID cards, submit glass claims, request roadside services and more.
The Auto Club App allows users to access Auto Club services, including membership, insurance, travel, and roadside assistance. It also shows members the Cheapest Gas and Branch Offices.
| Cincinnati Mobile App | ||
|---|---|---|
| iOS | 4.6 | 5 user reviews |
| Android | 3.1 | 11 user reviews |
| AAA Mobile App | ||
|---|---|---|
| iOS | 4.6 | 6.4K user reviews |
| Android | 4.3 | 4,061 user reviews |
Cincinnati & AAA Contact Info
| Cincinnati Contact Info | |
|---|---|
| Address | 600 S. Gilmore Road, Fairfield, OH 45014-5141 |
| Phone | (888) 242-8811 |
| Website | https://www.cinfin.com/ |
| https://www.facebook.com/CincinnatiInsurance/ | |
| Youtube | https://www.youtube.com/channel/UCrqm2BGqGoKndbr6D8oRlcg |
| https://www.linkedin.com/company/the-cincinnati-insurance-companies/ | |
| AAA Contact Info | |
|---|---|
| Address | 1225 Freeport Pkwy, Coppell, TX 75019, US |
| Phone | 1-877-387-8378 |
| Website | https://www.aaa.com/ |
| https://www.facebook.com/AAAFanPage/ | |
| Youtube | https://www.youtube.com/user/AAA |
| https://twitter.com/AAA4lyfe | |
| https://www.linkedin.com/company/aaa/ | |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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