Esurance vs. Cincinnati Insurance

Which insurance carrier is right for you? Compare ratings, coverage, and quotes from Esurance and Cincinnati.

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Esurance vs. Cincinnati: What You Need to Know

Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esuranceoffers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county, and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace found Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.

With an A+ rating from the BBB and A.M Best, 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.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Esurance Overview and Cincinnati Insurance Overview.

Esurance vs. Cincinnati Insurance: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Esurance and Cincinnati Insurance. On average, Esurance charges approximately $243.85 per month while Cincinnati Insurance comes in at around $169.70 per month. For Esurance, the cheapest state average is Utah at $130.99 per month and the most expensive is New York at $495.98 per month. For Cincinnati Insurance, the cheapest state average is Indiana at $102.70 per month and the most expensive is Alabama at $349.67 per month.

Esurance

Average Rate

$243.85
Cincinnati Insurance

Average Rate

$169.70
National

Average Rate

$119.16
State Esurance Cincinnati Insurance
Alabama- $349.67
Arizona $164.11 -
California $140.18 -
Colorado $173.51 -
Illinois $139.56 $182.10
Indiana- $102.70
Kentucky- $149.22
Maryland $351.38 -
Michigan $268.66 -
New Jersey $238.26 -
New York $495.98 -
Ohio- $131.38
Pennsylvania $199.92 -
Tennessee- $155.45
Texas $196.96 -
Utah $130.99 -
Virginia- $152.54

Esurance vs. Cincinnati Insurance: 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 Esurance and Cincinnati Insurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Esurance Cincinnati Insurance
1 Vehicle $237.26 $158.24
2 Vehicles $267.74 $210.06
4 Vehicles $413.95 $
3 Vehicles $462.87 $386.79

Esurance vs. Cincinnati Insurance: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Esurance charges $212.68 per month and Cincinnati Insurance charges $166.62 per month for customers who own their home.

Own/Rent Esurance Cincinnati Insurance
Own $212.68 $166.62
Rent $257.57 $171.29

What is Esurance and Cincinnati Insurance Rating?

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

ComparisonEsuranceCincinnati
Year Founded19991950
A.M. Best RatingA+A+
BBB RatingA-A+
Financial StrengthAbove AverageExcellent
Moody's RatingA1
NAIC Complaint Index0.22
NAIC Complaint Ratio1.14
S&P RatingAA-A+

Esurance or Cincinnati: Insurance Products Offered

What coverage is available through Esurance and Cincinnati? Both insurance companies offer Auto, Home, Life, and Umbrella insurance. Additional products from Esurance insurance also includes Commercial, Condo, Health, Motorcycle, Pet, 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 Esurance and Cincinnati Insurance Insurance page.

InsuranceEsuranceCincinnati
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Esurance or Cincinnati: Ways To Save

Cincinnati offers a wide range of discounts to its policyholders, including Good Student, Healthy Living (Life Insurance), and High Deductible discounts. Whereas, Esurance also offers a few discounts that Cincinnati doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Cincinnati and Esurance insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EsuranceCincinnati
Anti-lock Brakes DiscountGood Claim History Discount
Anti-theft DiscountGood Student Discount
Claim-free DiscountHealthy Living Discount (Life Insurance)
Defensive Driver DiscountHigh Deductible Discount
Emergency Road Assistance DiscountMulti-car Policy Discount
Fast 5 Discount®Multi-policy Discount
Good Driver DiscountNew Home Discount
Good Student DiscountSafety Equipment Discount (Auto, Home, Business)
Homeowners DiscountSafety Features Discount
Multi-car Discount
Multi-policy Discount
Online Shopper® Discount
Paid-in-full Discount
Renters Plus® Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of Esurance & Cincinnati

Pros

Esurance
  • Very few complaints from customers.
  • It has fewer customer complaints than the industry median, relative to its size.
  • Backed by Allstate, a large insurer that is financially sound.
  • Esurance is available in most states.
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.

Cons

Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico
Cincinnati
  • Cincinnati Insurance Company only operates in 13 states.

Esurance or Cincinnati Mobile Apps Options

The Esurance mobile app is available for iOS and Android.

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.

Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews
Cincinnati Mobile App
iOS     4.65 user reviews
Android     3.111 user reviews

Esurance & Cincinnati Contact Info

Esurance Contact Info
Address650 Davis Street, San Francisco, CA 94111
Phone1-800--378-7262
Websitehttps://www.esurance.com/
Facebookhttps://www.facebook.com/Esurance/
Twitterhttps://twitter.com/esurance
Youtubehttps://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedinhttps://www.linkedin.com/company/esurance/
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/

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.

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