Cincinnati Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Our Cincinnati Insurance Company Score:
3.5 Stars
We award Cincinnati Insurance, also known as Cincinnati Financial, a final rating of 3.5 out of 5 stars. The carrier was founded in 1950, giving them several decades of experience in the insurance industry. Cincinnati Financial has excellent ratings from both AM Best and the BBB and offers a large catalog of personal and business insurance products, including coverage for high-value homes and collector cars. Coverage is available in most states, and they offer 24/7 claims reporting.
However, Cincinnati Insurance doesn't offer online quotes and has a high volume of negative customer feedback. The carrier's official website is long overdue for a refresh, as well.
Cincinnati Insurance Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Cincinnati Insurance Products by Type
Cincinnati Insurance offers property casualty insurance, life insurance, and excess and surplus coverage for its clients. Its available insurance products are as follows:
Business insurance
- Business automobile insurance
- Business life insurance
- Business liability insurance
- Commercial property insurance
- Crime insurance
- Cyber risk insurance
- Excess and surplus coverage
- Inland marine insurance
- Management liability insurance
- Professional liability (E&O) insurance
- Reinsurance
- Surety solutions
- Umbrella liability insurance
- Workers’ compensation insurance
Personal insurance
- Executive capstone program
- Home insurance
- Auto insurance
- Personal articles coverage
- Personal watercraft insurance
- Umbrella insurance
Home insurance
- Rental dwellings insurance
- Personal liability insurance
- Identity theft coverage
- Personal cyber protection coverage
Auto insurance
- Auto insurance
- Antique or collector car insurance
- Auto plus coverage
- Gap coverage
- Replacement cost plus coverage
Life insurance
- Term life insurance
- Universal life insurance
- Whole life insurance
- Annuities
Your independent insurance agent can help you find more information about the coverage offered by Cincinnati Insurance and help you decide if this insurance company is right for you.
Cincinnati Insurance Personal Auto Insurance
Cincinnati Insurance offers standard auto insurance policies as well as some special forms of personal car coverage.
Coverage types, features, and benefits:
Gap insurance
Cincinnati Insurance offers gap insurance to help cover the gap in coverage that's often left between a standard auto policy and the amount still owed on a vehicle loan or lease due to depreciation after an accident within the first few years of ownership.
Antique or collector car insurance
Cincinnati Insurance offers a product called Cincinnati's Exhibition Auto coverage designed for customers who have and display collector and antique vehicles at parades, car shows, and other events.
Replacement cost plus coverage
Cincinnati Insurance offers an endorsement combining gap insurance with new car replacement coverage to help protect customers with vehicles that get declared a total loss.
Personal auto plus
Cincinnati Insurance offers this endorsement to provide premium coverage within a standard auto insurance policy.
Capstone Collector Auto Coverage
Cincinnati Insurance offers a bundle of specialized coverages for owners of luxury vehicles, as well as antique cars or sports cars. Customers can also enjoy these coverage benefits applied to their everyday vehicles.
Cincinnati Insurance Personal Auto Insurance Average Prices
We pulled some quotes for Cincinnati Insurance's average auto insurance rates by driver age.
| Driver Age | Average Annual Cost of Full Coverage Auto Insurance |
|---|---|
| 18 | $8,574 |
| 25 | $3,880 |
| 30 | $3,326 |
| 40 | $1,680 |
| 60 | $1,489 |
Cincinnati Insurance Homeowners Insurance
Homeowners insurance from Cincinnati Insurance offers the standard protections you'd expect to find in a home insurance policy, plus a few extras.
Coverage types, features, and benefits:
Personal property & dwelling
Cincinnati Insurance's home insurance covers the home's structure and contents against many different perils, including fire damage, explosions, and more.
Personal liability
Cincinnati Insurance's home insurance policies cover expenses related to third-party lawsuits for claims of bodily injury or personal property damage.
Additional living expenses
Cincinnati Insurance's home insurance policies compensate for hotel stays, takeout meals, and more if a policyholder's home is temporarily unlivable due to a fire or major storm.
Wildfire defense services
Cincinnati Insurance automatically includes this coverage in certain states to help homeowners in high-risk areas avoid damage.
Executive Select
Cincinnati Insurance offers a package for homes valued at least $750,000 that includes extended reconstruction coverage of double the typical policy limit if the home is deemed a total loss.
Executive Capstone
Cincinnati Insurance also offers a package for homes with values greater than $1 million that includes full-cost replacement coverage without a limit.
Cincinnati Insurance Home Insurance Average Prices
We found the average annual homeowners insurance rate from Cincinnati Insurance by a specific dwelling coverage amount.
| Dwelling coverage limit | Average Annual Cost of Home Insurance |
|---|---|
| $150,000 | $639 |
| $250,000 | $987 |
| $350,000 | $1,311 |
| $450,000 | $1,655 |
| $750,000 | $2,665 |
What Discounts Does Cincinnati Insurance Offer?
Cincinnati Insurance offers a good selection of discounts for coverage. The carrier's auto insurance discounts include:
- Multicar discounts: Offered to customers who insure multiple cars on the same policy.
- Multipolicy discounts: Offered to customers who get both home insurance and auto insurance through Cincinnati Insurance.
- Good student discounts: Offered to customers with students who maintain a 3.0 GPA or "B" average or better.
- Accident-free discounts: Offered to customers who remain accident-free for a set number of years.
- Access to another car discounts: Offered to customers who regularly use a different car not owned by them, such as company vehicles.
- RideWell app discounts: Offered to customers who download Cincinnati Insurance's driving app that monitors driving behavior. Just enrolling in the program can earn customers a 5% to 10% discount, while premiums can be reduced up to 18% depending on how safely the customer drives.
An independent insurance agent can provide better discount information and premium quotes for coverage through Cincinnati Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most value for your money.
Cincinnati Insurance Customer Service
Cincinnati Insurance offers 24/7 phone and online claims reporting for its policyholders. The carrier also provides the following customer service options:
- Online bill pay
- Snail mail
| Days | Hours (EST) | ||
| Monday-Friday | 8 am - 5 pm | ||
| Saturday | 8 am - 12 pm | ||
| Sunday | CLOSED |
The best way to ensure a great customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you so you can relax and enjoy your coverage.
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Cincinnati Insurance FAQs
Cincinnati Insurance offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise. Cincinnati Insurance encourages customers to file claims immediately or ASAP after an incident.
Cincinnati Insurance allows customers to file claims over the phone and online 24/7. The carrier's customer service department is available at extended hours during the week as well as limited hours on Saturdays. The carrier’s social media presence extends across YouTube, Instagram, Facebook, and LinkedIn, which makes it more accessible.
Cincinnati Insurance offers a couple of options for claims reporting and is available 24/7 to handle claims for customers. However, the insurance company does not detail its claims process on the official website or social media platforms. If customers have questions about filing or the claims process, they can contact the carrier via phone or email or get in touch with their independent insurance agent.
Cincinnati Insurance’s official website seems quite dated. Further, the carrier does not provide much information about its claims process or detail a claims response time frame. Online bill pay is available, as is 24/7 claims reporting via phone or online. So, while Cincinnati Insurance is not awful in terms of user-friendliness, it could stand to update its practices in a couple of areas.
Cincinnati Insurance has excellent ratings from both AM Best and the BBB, as well as several decades' worth of experience in the industry. Its auto coverage policies are a great choice for customers with valuable or collector cars. However, there is a large volume of customer complaints found across the web. The carrier also doesn't offer online quotes or nationwide coverage. So, Cincinnati Insurance Company can be considered a good insurance company, but perhaps not an excellent one.
We found some average rates for Cincinnati Insurance's home insurance policies based on dwelling coverage amounts:
$150,000 in dwelling coverage: $639/year
$250,000 in dwelling coverage: $987/year
$350,000 in dwelling coverage: $1,311/year
$450,000 in dwelling coverage: $1,655/year
$750,000 in dwelling coverage: $2,665/year
https://www.cinfin.com/
https://www.thezebra.com/insurance-companies/cincinnati-insurance-company-reviews-coverage-options-and-ratings/#faqs
https://www.valuepenguin.com/cincinnati-financial-insurance-review
https://www.bankrate.com/insurance/reviews/cincinnati-insurance-company/
https://wallethub.com/profile/ci/cincinnati-insurance-companies-13013464i
https://www.bbb.org/us/oh/fairfield/profile/insurance-companies/cincinnati-financial-corporation-0292-3177/customer-reviews
https://clearsurance.com/insurance-reviews/cincinnati-insurance-company-5835ece073b103329e91ab4d