Shelter vs. Cincinnati Insurance

Which insurance company is right for you? Compare products, premiums, and quotes from Shelter and Cincinnati.

Compare Car Insurance Rates in Your Area

Shelter vs. Cincinnati: What You Need to Know

Shelter Insurance company is a mutual insurance company that focuses on auto, property, business and life insurance. In, when the company was founded and called MFA Mutual Insurance Company. Its focus was to provide farmers access to reliable insurance protection at prices that they could afford.

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 Shelter Overview and Cincinnati Insurance Overview.

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

Below is a list of the average rates that drivers typically pay with Shelter and Cincinnati Insurance. On average, Shelter charges approximately $217.52 per month while Cincinnati Insurance comes in at around $169.48 per month. For Shelter, the cheapest state average is Arkansas at $143.59 per month and the most expensive is Kentucky at $304.85 per month. For Cincinnati Insurance, the cheapest state average is Indiana at $101.49 per month and the most expensive is Alabama at $354.67 per month.

Shelter

Average Rate

$217.52
Cincinnati Insurance

Average Rate

$169.48
National

Average Rate

$120.03
State Shelter Cincinnati Insurance
Alabama- $354.67
Arkansas $143.59 -
Illinois- $183.26
Indiana- $101.49
Kansas $235.09 -
Kentucky $304.85 $149.18
Mississippi $180.91 -
Missouri $197.24 -
Nebraska $198.96 -
Ohio- $131.71
Oklahoma $187.56 -
Tennessee- $157.34
Virginia- $154.62

Shelter 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 Shelter and Cincinnati Insurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Shelter Cincinnati Insurance
1 Vehicle $203.29 $157.46
2 Vehicles $273.63 $215.64
3 Vehicles $ $368.12

Shelter 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 Shelter charges $204.69 per month and Cincinnati Insurance charges $165.99 per month for customers who own their home.

Own/Rent Shelter Cincinnati Insurance
Own $204.69 $165.99
Rent $223.51 $171.09

What is Shelter and Cincinnati Insurance Rating?

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

ComparisonShelterCincinnati
Year Founded19461950
A.M. Best RatingAA+
BBB RatingA+A+
Financial StrengthExcellentExcellent
Moody's RatingA1
NAIC Complaint Index0.22
NAIC Complaint Ratio0.36 (2013)
S&P RatingA+

Shelter or Cincinnati: Insurance Products Offered

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

InsuranceShelterCincinnati
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Shelter 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. In contrast, Shelter also offers a few discounts that Cincinnati doesn’t, including Window Identification System – Louisiana Residents, Safe Driver, and Pay in Full discounts. Start taking advantage of discounts offered by insurance providers like Cincinnati and Shelter insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

ShelterCincinnati
Accident Prevention Course DiscountGood Claim History Discount
Anti-Theft Discount - Kentucky and Illinois ResidentsGood Student Discount
Companion Life DiscountHealthy Living Discount (Life Insurance)
Companion Policy DiscountHigh Deductible Discount
Driver Training Course DiscountMulti-car Policy Discount
Good Student DiscountMulti-policy Discount
Military DiscountNew Home Discount
Multi-car DiscountSafety Equipment Discount (Auto, Home, Business)
Multi-coverage Discount - Nevada ResidentsSafety Features Discount
Passive Restraint Discount
Pay in Full Discount
Safe Driver Discount
Window Identification System Discount – Louisiana Residents

Pros & Cons of Shelter & Cincinnati

Pros

Shelter
  • Shelter Insurance offers personalized service through a network of more than 1,400 agents.
  • The company has a few customer's complaints, which indicates high satisfaction.
  • You can start your claims online or by phone.
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

Shelter
  • The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
Cincinnati
  • Cincinnati Insurance Company only operates in 13 states.

Shelter or Cincinnati Mobile Apps Options

The Shelter Insurance Mobile app is available for iOS and Android. With the app, you can access your ID cards, report a claim and upload photos, view coverages and policy details, obtain roadside assistance, get in touch with your agent and pay your bill by credit or debit card.

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.

Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews
Cincinnati Mobile App
iOS     4.65 user reviews
Android     3.111 user reviews

Shelter & Cincinnati Contact Info

Shelter Contact Info
Address1817 West Broadway - Columbia, MO 65218
Phone1-800-743-5837
Websitehttps://www.shelterinsurance.com/
Facebookhttps://www.facebook.com/ShelterInsurance/
Twitterhttps://twitter.com/Shelter_ins/
Linkedinhttps://www.linkedin.com/company/shelter-insurance-companies/
Youtubehttps://www.youtube.com/user/ShelterIns
Instagramhttps://www.instagram.com/shelter_ins/
Pinteresthttps://www.pinterest.com/shelterins/
Vimeohttps://vimeo.com/user48805731
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.

Compare Insurance Rates for Free.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.