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Sentry vs. Cincinnati Insurance
Which insurance carrier is right for you? Compare cost, ratings, and quotes from Sentry and Cincinnati.
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- Sentry vs Cincinnati Insurance
Sentry vs. Cincinnati: What You Need to Know
Sentry insurance specializes in business insurance and its subsidiary, Dairyland, sells high-risk car insurance, which includes SR-22 and FR-44 filings.
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 13 states 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 Sentry Overview and Cincinnati Insurance Overview.
Sentry vs. Cincinnati Insurance: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Sentry and Cincinnati Insurance. On average, Sentry charges approximately $240.97 per month while Cincinnati Insurance comes in at around $169.54 per month. For Sentry, the cheapest state average is Idaho at $154.21 per month and the most expensive is Pennsylvania at $267.84 per month. For Cincinnati Insurance, the cheapest state average is Ohio at $144.30 per month and the most expensive is Virginia at $206.63 per month.
Average Rate
Average Rate
Average Rate
| State | Sentry | Cincinnati Insurance |
|---|---|---|
| Alabama | - | $188.86 |
| Arkansas | $256.26 | - |
| Idaho | $154.21 | - |
| Illinois | - | $182.81 |
| Kentucky | - | $177.79 |
| Ohio | - | $144.30 |
| Oregon | $246.64 | - |
| Pennsylvania | $267.84 | - |
| Tennessee | - | $161.07 |
| Virginia | - | $206.63 |
| Washington | $236.90 | - |
Sentry vs. Cincinnati Insurance: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Sentry and Cincinnati Insurance typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Sentry | Cincinnati Insurance |
|---|---|---|
| 1 Vehicle | $238.75 | $166.82 |
| 2 Vehicles | $301.18 | $271.76 |
Sentry vs. Cincinnati Insurance: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Sentry charges $217.70 per month and Cincinnati Insurance charges $150.95 per month for customers who own their home.
| Own/Rent | Sentry | Cincinnati Insurance |
|---|---|---|
| Own | $217.70 | $150.95 |
| Rent | $243.34 | $170.96 |
What is Sentry and Cincinnati Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Sentry and Cincinnati ranked among the industry ratings.
| Comparison | Sentry | Cincinnati |
|---|---|---|
| Year Founded | 1904 | 1950 |
| A.M. Best Rating | A+ | A+ |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| Moody's Rating | A1 | |
| NAIC Complaint Index | 0.22 | |
| S&P Rating | A+ |
Sentry or Cincinnati: Insurance Products Offered
What coverage is available through Sentry and Cincinnati? Both insurance companies offer Auto, Home, and Life insurance. Additional products from Sentry insurance also includes Commercial and SR22/FR44 insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Sentry and Cincinnati Insurance Insurance page.
| Insurance | Sentry | Cincinnati |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| SR22/FR44 | ✔ | |
| Umbrella Insurance | ✔ |
Sentry or Cincinnati: Ways To Save
Sentry offers a wide range of discounts to its policyholders, including Homeowners, Multi-vehicle, and Payment Frequencys discounts. In contrast, Cincinnati also offers a few discounts that Sentry doesn’t, including Safety Features, Safety Equipment (Auto, Home, Business), and New Home discounts. Start taking advantage of discounts offered by insurance providers like Cincinnati and Sentry insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Sentry | Cincinnati |
|---|---|
| Driving Course Discounts | Good Claim History Discount |
| Homeowners Discount | Good Student Discount |
| Multi-vehicle Discount | Healthy Living Discount (Life Insurance) |
| Payment Frequency Discounts | High Deductible Discount |
| Transfer Discount | Multi-car Policy Discount |
| Vehicle Safety Feature Discounts | Multi-policy Discount |
| New Home Discount | |
| Safety Equipment Discount (Auto, Home, Business) | |
| Safety Features Discount |
Pros & Cons of Sentry & Cincinnati
Pros
Sentry
- Sentry offers a comprehensive suite of business insurance products.
- Sentry offers high-risk insurance through Dairyland Insurance.
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
Sentry
- Sentry does not offer basic car insurance to the average driver, only high-risk drivers through Dairyland and auto insurance for business fleets and cars.
Cincinnati
- Cincinnati Insurance Company only operates in 13 states.
Sentry or Cincinnati Mobile Apps Options
The Sentry Mobile parking app is available for iOS and Android. The app interacts with your parking meter in real-time and lets you buy time on an MPS parking meter. You can also access a map of nearby meters and parking space availability.
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.
| Sentry Mobile App | ||
|---|---|---|
| iOS | 2.7 | 5 user reviews |
| Android | 3.1 | 8 user reviews |
| Cincinnati Mobile App | ||
|---|---|---|
| iOS | 4.6 | 5 user reviews |
| Android | 3.1 | 11 user reviews |
Sentry & Cincinnati Contact Info
| Sentry Contact Info | |
|---|---|
| Address | 1800 North Point Drive, Stevens Point, WI 54481 |
| Phone | 1 (800) 473-6879 |
| Website | https://www.sentry.com/ |
| https://www.facebook.com/SentryInsurance/ | |
| https://twitter.com/SentryInsurance | |
| Youtube | https://www.youtube.com/channel/UC8e_0-7XichFIuDa-JI54gQ |
| https://www.linkedin.com/company/sentry/ | |
| 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/ | |
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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