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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, 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 $169.79 per month while Cincinnati Insurance comes in at around $214.51 per month. For Esurance, the cheapest state average is California at $125.61 per month and the most expensive is New York at $348.38 per month. For Cincinnati Insurance, the cheapest state average is Tennessee at $151.36 per month and the most expensive is Tennessee at $151.36 per month.
Average Rate
Average Rate
Average Rate
| State | Esurance | Cincinnati Insurance |
|---|---|---|
| Arizona | $164.75 | - |
| California | $125.61 | - |
| Michigan | $235.12 | - |
| New Jersey | $211.80 | - |
| New York | $348.38 | - |
| Pennsylvania | $193.49 | - |
| Tennessee | - | $151.36 |
| Texas | $184.64 | - |
Esurance 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 Esurance and Cincinnati Insurance typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Esurance | Cincinnati Insurance |
|---|---|---|
| 1 Vehicle | $164.56 | $217.34 |
| 2 Vehicles | $226.56 | $ |
Esurance 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 Esurance charges $180.24 per month and Cincinnati Insurance charges $152.98 per month for customers who own their home.
| Own/Rent | Esurance | Cincinnati Insurance |
|---|---|---|
| Own | $180.24 | $152.98 |
| Rent | $168.43 | $254.65 |
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.
| Comparison | Esurance | Cincinnati |
|---|---|---|
| Year Founded | 1999 | 1950 |
| BBB Rating | A- | A+ |
| Financial Strength | Above Average | Excellent |
| Moody's Rating | A1 | |
| NAIC Complaint Index | 0.22 | |
| NAIC Complaint Ratio | 1.14 | |
| S&P Rating | AA- | 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.
| Insurance | Esurance | Cincinnati |
|---|---|---|
| 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.
| Esurance | Cincinnati |
|---|---|
| Anti-lock Brakes Discount | Good Claim History Discount |
| Anti-theft Discount | Good Student Discount |
| Claim-free Discount | Healthy Living Discount (Life Insurance) |
| Defensive Driver Discount | High Deductible Discount |
| Emergency Road Assistance Discount | Multi-car Policy Discount |
| Fast 5 Discount® | Multi-policy Discount |
| Good Driver Discount | New Home Discount |
| Good Student Discount | Safety Equipment Discount (Auto, Home, Business) |
| Homeowners Discount | Safety 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 | 4.8 | 1,194 user reviews |
| Android | 4.7 | 8,655 user reviews |
| Cincinnati Mobile App | ||
|---|---|---|
| iOS | 4.6 | 5 user reviews |
| Android | 3.1 | 11 user reviews |
Esurance & Cincinnati Contact Info
| Esurance Contact Info | |
|---|---|
| Address | 650 Davis Street, San Francisco, CA 94111 |
| Phone | 1-800--378-7262 |
| Website | https://www.esurance.com/ |
| https://www.facebook.com/Esurance/ | |
| https://twitter.com/esurance | |
| Youtube | https://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw |
| https://www.linkedin.com/company/esurance/ | |
| 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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