Cincinnati Insurance: Overview

Based in Ohio, Cincinnati Insurance has been offering insurance coverage for almost 70 years.

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About Cincinnati Insurance

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.

Cincinnati Insurance Facts & Ratings

Year Founded1950
Financial StrengthExcellent
BBB RatingA+
A.M. Best RatingA+
Moody's RatingA1
S&P RatingA+
NAIC Complaint Index0.22

Cincinnati Insurance Mobile App Rating

iOS     4.65 user reviews
Android     3.111 user reviews

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.

Pros & Cons of Cincinnati Insurance

  • 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.
  • Cincinnati Insurance Company only operates in 13 states.

Common Questions about Cincinnati Insurance

Does Cincinnati insurance cover gap insurance?

Cincinnati insurance offers gap insurance, which you can buy separately. Gap insurance takes care of your loan balance if you owe more in car loans than your car is worth according to Kelley Blue Book value.

What is Cincinnati insurance personal auto plus endorsement?

This endorsement takes your personal auto insurance policy above the standard coverages. It includes: air bag replacement, safety restraint benefit, transportation expenses, roadside assistance, deductible waiver, supplementary payments, trip interruption, lock replacement, child safety seat replacement and glass deductible waiver.

Does Cincinnati insurance have a good BBB rating?

Yes, Cincinnati has an A+ BBB rating.

What is Cincinnati insurance Homeowner Plus Endorsement?

The Cincinnati Insurance Companies’ Homeowner Plus Endorsement offers increased coverage and can save families thousands of dollars. It enhances and increases coverage for replacement cost on personal property without depreciation deductions. It can repair or replace damaged trees, shrubs and plants. You may also receive another 10% of your dwelling coverage amount, including up to $1,000 for anyone tree, plant or shrub. Other coverage includes the removal of debris left behind by a storm or because of the weight of ice, snow or sleet, up to $500. If your freezer ceases to work due to a power failure or mechanical breakdown, you’re covered for the contents of the freezer for up to $500, with no deductible. Your jewelry, watches, furs, precious and semiprecious stones are also covered for up $2,500. Homeowner Plus Endorsement also covers the increased cost of rebuilding, repairing or demolishing your dwelling according to building ordinances or laws after a covered loss. In most states, the deductible is waived if you experience a covered loss of $50,000 or more unless the loss is caused by wind, earthquake or landslide (these have a separate deductible).

What is Cincinnati’s insurance Enhanced Replacement Cost program?

People with Cincinnati homeowners insurance can add Enhanced Replacement Cost coverage to their policies to cover the excess amount of loss that exceeds coverage limits on homeowners.

Is Term better than Whole life insurance with Cincinnati insurance?

Term life insurance and whole life insurance are two very different products. Whole life insurance premiums are more expensive because the coverage lasts a lifetime and the policy has a cash value. You’re also guaranteed a rate of investment return on a portion of premiums. Term life insurance only covers you for a specified amount of time and has no cash/savings component. Your beneficiaries will only be paid out if you die within the specified period of time.

Does Cincinnati Insurance have accident forgiveness?

Yes, Accident Forgiveness helps you avoid a rate increase after the first accident in which you are at fault. This coverage is not available in all states.

What states does Cincinnati Insurance write in?

Cincinnati Insurance writes business in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.

Does the Cincinnati life insurance drug test?

According to Cincinnati's life insurance, depending on the amount of life insurance you apply for, you may have to submit a urine or blood sample. Your agent will tell you if you need to get a physical examination. The blood and urine tests look at cholesterol, triglycerides and blood sugar levels. They also check liver and kidney functions and may have an HIV test where it is permitted by law.

What coverages does Cincinnati Insurance cover for life insurance?

With Cincinnati Insurance you have the option of permanent or term life insurance. Permanent life insurance includes whole life and universal life insurance, which are life-long policies. Term life only covers you for a specified amount of time. Depending on the type and amount of coverage you buy you will be covered for funeral expenses, estate taxes, mortgage protection, income replacement, debt, future education, gifts and charitable donations.

Is Cincinnati Insurance a good company?

Cincinnati Insurance s a financially strong company with some of the highest ratings in several areas, which include customer service.

Does Cincinnati Insurance have student discounts?

Yes, Cincinnati Insurance has a good student discount for those with a grade point average of a “B” or above.

What coverage does Cincinnati business insurance offer?

Cincinnati Insurance offers a few different business insurance packages that work for most businesses. The Commercial Package Policy has the following types of coverage: property and general liability, auto, crime, inland marine and professional liability. CinciPlus® has a series of expanded endorsements that provide additional coverages or increase your current limits. These packages are less expensive than if you buy these coverages separately. The CinciPak Program includes commercial property, general liability, electronic data processing, property and crime coverage. Independent agents help business insurance clients customize a commercial package for more complex operations. Other business coverages include: data compromise, identity theft, crisis event expenses, management liability and employment practices like the worker's compensation

Does Cincinnati auto insurance provides SR22 insurance coverage?

No, Cincinnati auto insurance does not include SR22.

Does Cincinnati insurance write in florida?

Yes, Cincinnati Insurance writes policies in Florida.

Cincinnati Insurance Products

Auto InsuranceHome Insurance
Umbrella InsurancePersonal Articles
Earthquake InsuranceEnhanced Replacement Cost (Home)
Homeowner Plus, Watercraft and YachtsLandlord Insurance
Identity Theft, Personal Cyber ProtectionAntique or Collector Car Insurance
Auto PlusGap Coverage
Replacement Cost Plus (Auto)Term Life Insurance
Universal Life InsuranceWhole Life Insurance
Annuities

Cincinnati Insurance Coverage

Bodily Injury Liability

This form of protection covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of protection covers property damage and loss of use to a third party.

Comprehensive Coverage

This insurance pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

This insurance pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payments

This type of protection will cover you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.

Rental Car.

This coverage takes care of renting a vehicle while yours is being repaired for more than 24 hours.

Uninsured Motor Vehicle.

This protection pays for medical expenses if you’re injured in a vehicular accident caused by someone who doesn’t carry liability insurance.

Roadside Assistance.

This protection covers a vehicle breakdown due to a non-accident incident. Covered incidents include: towing, battery jump-start, locksmith, flat tire change, fuel delivery.

Capstone Auto.

With one policy you can insure all your vehicles, antique or collector vehicle(s), motorcycle and/or motorhome.

Personal Auto Plus.

This endorsement takes your personal auto insurance policy above the standard coverages. It includes: airbag replacement, safety restraint benefit, transportation expenses, roadside assistance, deductible waiver, supplementary payments, trip interruption, lock replacement, child safety seat replacement and glass deductible waiver.

Replacement Cost Plus.

You can add this option within 30 days of a purchase of a new car of a current or previous model year if it has less than 1,000 miles on it. With this coverage, you’ll get a replacement value not the depreciated value of a car you total (your choice between a new car or the balance of your loan).

Gap Coverage.

Gap insurance takes care of your expenses if your loss is greater than what’s covered by your policy. For instance, if you still owe $33,000 on a car but it’s valued at 30,000, you will still have to pay off $3,000 if it’s a total loss. Gap insurance would cover that remaining balance.

Antique or Collector Car Insurance.

This coverage is meant to protect cars primarily used for parades and car shows. This coverage can be on the same policy as your primary private passenger vehicles. In the event of a covered total loss, Cincinnati Insurance Company provides a settlement based on the value specified in the policy. Unlike other insurers, Cincinnati Insurance Company doesn’t define eligibility based on a 25-year minimum.

Accident Forgiveness.

Accident Forgiveness helps you avoid a rate increase after the first accident in which you are at fault. This coverage is not available in all states.

Discounts

Good Claim History DiscountHealthy Living Discount (Life Insurance)
Safety Equipment Discount (Auto, Home, Business)Multi-policy Discount
Good Student DiscountMulti-car Policy Discount
New Home DiscountHigh Deductible Discount
Safety Features Discount

Cincinnati Insurance Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Cincinnati Insurance. On average, Cincinnati Insurance charges approximately $140.77 per month. The cheapest state average is Indiana at $101.58 per month followed by Kentucky at $106.44 per month. The most expensive state average is Alabama at $227.61 per month.

State Avg monthly rate
AL $227.61
IL $162.67
IN $101.58
KY $106.44
State Avg monthly rate
OH $114.83
TN $146.41
VA $137.55

Cincinnati Insurance Auto Insurance Rates by Vehicle

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

Number of Vehicles Avg Monthly Rate
1 Vehicle $132.37
2 Vehicles $181.55
3 Vehicles $251.71
8 Vehicles $261.83
4 Vehicles $274.85
5 Vehicles $397.85
6 Vehicles $485.42

Cincinnati Insurance Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Cincinnati Insurance charges $131.81 per month for drivers who own their home and $144.64 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $131.81
Rent $144.64

Cincinnati Insurance 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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