Based in Ohio, Cincinnati Insurance has been offering insurance coverage for almost 70 years.
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.
|NAIC Complaint Index||0.22|
|iOS||4.7 stars (out of 5)||949 user reviews|
|Android||3.6 stars (out of 5)||25 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.
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.
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.
Yes, Cincinnati has an A+ BBB rating.
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).
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.
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.
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.
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.
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.
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.
Cincinnati Insurance s a financially strong company with some of the highest ratings in several areas, which include customer service.
Yes, Cincinnati Insurance has a good student discount for those with a grade point average of a “B” or above.
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
No, Cincinnati auto insurance does not include SR22.
Yes, Cincinnati Insurance writes policies in Florida.
|Auto Insurance||Home Insurance|
|Umbrella Insurance||Personal Articles|
|Earthquake Insurance||Enhanced Replacement Cost (Home)|
|Homeowner Plus, Watercraft and Yachts||Landlord Insurance|
|Identity Theft, Personal Cyber Protection||Antique or Collector Car Insurance|
|Auto Plus||Gap Coverage|
|Replacement Cost Plus (Auto)||Term Life Insurance|
|Universal Life Insurance||Whole Life Insurance|
This form of protection covers bodily injuries to a third party in an accident that was deemed your fault.
This form of protection covers property damage and loss of use to a third party.
This insurance pays for damages and loss other than that caused by a collision. It is subject to a deductible.
This insurance pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.
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.
This coverage takes care of renting a vehicle while yours is being repaired for more than 24 hours.
This protection pays for medical expenses if you’re injured in a vehicular accident caused by someone who doesn’t carry liability insurance.
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.
With one policy you can insure all your vehicles, antique or collector vehicle(s), motorcycle and/or motorhome.
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.
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 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.
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 helps you avoid a rate increase after the first accident in which you are at fault. This coverage is not available in all states.
|Good Claim History Discount||Healthy Living Discount (Life Insurance)|
|Safety Equipment Discount (Auto, Home, Business)||Multi-policy Discount|
|Good Student Discount||Multi-car Policy Discount|
|New Home Discount||High Deductible Discount|
|Safety Features Discount|
Below is a list of the average rates that drivers typically pay with Cincinnati Insurance. On average, Cincinnati Insurance charges approximately $178.19 per month. The cheapest state average is Ohio at $115.46 per month followed by Kentucky at $140.33 per month. The most expensive state average is Virginia at $241.77 per month.
|State||Avg monthly rate|
|State||Avg monthly rate|
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|
Customers who own their home rather than rent can sometimes get a small discount. We found that on average Cincinnati Insurance charges $171.29 per month for drivers who own their home and $196.79 per month for those who rent.
|Own/Rent||Avg Monthly Rate|
|Address||600 S. Gilmore Road, Fairfield, OH 45014-5141|
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.
How Does Cincinnati Compare to Other Car Insurance Companies?
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