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Cincinnati vs. Hastings Mutual Insurance

Which insurance company is right for you? Compare ratings, rates, and quotes from Cincinnati and Hastings Mutual.

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Cincinnati vs. Hastings Mutual: 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 13states through nearly 1,000 selected independent agencies.

After more than 130 years since it began, Hastings Mutual is an award-winning, regional property casualty insurance company providing top-quality insurance products through a network of independent agents. The company offers insurance products for businesses, farms, and individuals in 6 Midwestern states, including Illinois, Indiana, Iowa, Michigan, Ohio, and Wisconsin.

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 Hastings Mutual Insurance Co Overview.

Cincinnati Insurance vs. Hastings Mutual Insurance Co: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Cincinnati Insurance and Hastings Mutual Insurance Co. On average, Cincinnati Insurance charges approximately $224.48 per month while Hastings Mutual Insurance Co comes in at around $156.69 per month. For Cincinnati Insurance, the cheapest state average is Tennessee at $197.19 per month and the most expensive is Tennessee at $197.19 per month. For Hastings Mutual Insurance Co, the cheapest state average is Illinois at $126.05 per month and the most expensive is Michigan at $158.84 per month.

Cincinnati Insurance

Average Rate

$224.48
Hastings Mutual Insurance Co

Average Rate

$156.69
National

Average Rate

$133.56
State Cincinnati Insurance Hastings Mutual Insurance Co
Illinois- $126.05
Michigan- $158.84
Tennessee $197.19 -

Cincinnati Insurance vs. Hastings Mutual Insurance Co: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Cincinnati Insurance and Hastings Mutual Insurance Co typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Cincinnati Insurance Hastings Mutual Insurance Co
1 Vehicle $229.97 $153.24
2 Vehicles $ $209.49

Cincinnati Insurance vs. Hastings Mutual Insurance Co: Rates by Homeownership

Home

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 Hastings Mutual Insurance Co charges $141.27 per month for customers who own their home.

Own/Rent Cincinnati Insurance Hastings Mutual Insurance Co
Own $156.20 $141.27
Rent $253.75 $161.31

What is Cincinnati and Hastings Mutual Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Cincinnati and Hastings Mutual ranked among the industry ratings.

ComparisonCincinnatiHastings Mutual
Year Founded19501885
Market Share0.2% (2018)
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbove Average
Moody's RatingA1
NAIC Complaint Index0.22
S&P RatingA+

Cincinnati or Hastings Mutual: Insurance Products Offered

What coverage is available through Cincinnati and Hastings Mutual? Both insurance companies offer Auto and Home insurance. Additional products from Hastings Mutual insurance also includes Commercial, Condo, Farm, Life, 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 Hastings Mutual Insurance Co Insurance page.

InsuranceCincinnatiHastings Mutual
Auto Insurance✔✔
Commercial Insurance✔
Condo Insurance✔
Farm Insurance✔
Home Insurance✔✔
Life Insurance✔
Renters Insurance✔
RV Insurance✔
Umbrella Insurance✔

Cincinnati or Hastings Mutual: Ways To Save

Hastings Mutual offers a wide range of discounts to its policyholders, including Claim Free, Defensive Driving, and Good Student discounts. Cincinnati also offers a few discounts that Hastings Mutual doesn’t including Safety Features, Safety Equipment (Auto, Home, Business), and New Home discounts. Start taking advantage of discounts offered by insurance providers like Hastings Mutual and Cincinnati insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

CincinnatiHastings Mutual
Good Claim History DiscountAway at School Discount
Good Student DiscountClaim Free Discount
Healthy Living Discount (Life Insurance)Defensive Driving Discount
High Deductible DiscountGood Student Discount
Multi-car Policy DiscountMulti-car Discount
Multi-policy DiscountMulti-policy Discount
New Home DiscountPaid in Full Discount
Safety Equipment Discount (Auto, Home, Business)Paperless Bills Discount
Safety Features Discount

Pros & Cons of Cincinnati & Hastings Mutual

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.
Hastings Mutual
  • Hastings Mutual Company focuses on providing A+ customer service and promoting strong relationships with its customers.
  • Established history: the company has 130 years of service and has built a good reputation among its customers.
  • It has affordable rates.
  • Offers Multi-Policy discounts.

Cons

Cincinnati
  • Cincinnati Insurance Company only operates in 13 states.
Hastings Mutual
  • Limited service: coverage is available in only 6 midwestern states across the US.
  • It doesn’t offer an online application, you need to call an agent for a quote.

Cincinnati or Hastings Mutual Mobile Apps Options

The Cincinnati Insurance Mobile app is available for android and iPhones 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.

Hastings Mutual does not currently have a mobile app.

Cincinnati Mobile App
iOS     4.65 user reviews
Android     3.111 user reviews
Hastings Mutual Mobile App
Hastings Mutual does not currently have a mobile app.

Cincinnati & Hastings Mutual Contact Info

Cincinnati Contact Info
Address600 S. Gilmore Road, Fairfield, OH 45014-5141
Phone(888) 242-8811
Websitehttps://www.cinfin.com/
Facebookhttps://www.facebook.com/CincinnatiInsurance/
Youtubehttps://www.youtube.com/channel/UCrqm2BGqGoKndbr6D8oRlcg
Linkedinhttps://www.linkedin.com/company/the-cincinnati-insurance-companies/
Hastings Mutual Contact Info
Address404 E. Woodlawn Ave. Hastings, MI 49058
Phone1-800-442-8277
Websitehttps://www.hastingsmutual.com/
Facebookhttps://www.facebook.com/HastingsMutual/
Linkedinhttps://www.linkedin.com/company/hastings-mutual-insurance-company/

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.

About the Author
Fran Majidi
Fran Majidi
Insurance Expert

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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