Cincinnati Insurance Home and Auto Review
- Cheap homeowners insurance
- Low complaint rates
- Widely available from independent agents
- Also insures high-value homes
- Expensive auto insurance
- Online quotes not available
- Few discounts
- Limited coverage options
Is Cincinnati Insurance a good company?
Cincinnati Insurance is an average mid-sized company for home and auto insurance. Its car insurance rates are high. However, its cheap home insurance can make it a good deal if you bundle your insurance.
The company does not offer online quotes. Instead, you have to contact an independent insurance agent. This isn’t all bad, though, because an independent agent can get you quotes from other companies, too.
Cincinnati’s ratings and reviews are generally positive. It has excellent home and auto complaint ratings from the National Association of Insurance Commissioners
Cincinnati insurance ratings
| Rating | Cincinnati’s score | Industry average |
|---|---|---|
| Auto complaints | 0.43 (Excellent) | 1.0 |
| Home complaints | 0.14 (Excellent) | 1.0 |
| Financial strength | A+ (Superior) | Second highest after A++ |
How much is Cincinnati car insurance?
Cincinnati’s full coverage car insurance rates average $1,849 a year, or $154 a month. This is about 16% higher than the average cost of full coverage
Your actual car insurance rate depends on factors like your driving record and location. An independent agent can compare Cincinnati’s quotes to those from other companies
Cincinnati auto insurance rate comparison
| Company | Annual full coverage | Annual minimum coverage | LendingTree score | |
|---|---|---|---|---|
 | Geico | $1,434 | $1,182 |  |
 | Progressive | $1,457 | $882 |  |
 | Nationwide | $1,660 | $1,253 |  |
| Cincinnati | $1,849 | $1,578 | |
 | Allstate | $2,247 | $1,718 | |
Cincinnati car insurance rates with a bad driving record
Drivers with a bad driving record also tend to pay a lot for Cincinnati car insurance.
- The company’s full coverage rates after a speeding ticket average $182 a month
- It charges $286 a month after an at-fault accident
- Drivers with a DUI (driving under the influence) conviction pay $376 a month
Geico, Nationwide and Progressive are among the companies with cheaper insurance for a bad driving record.
Cincinnati auto rates with a bad driving record
| Company | Ticket annual rate | Accident annual rate | DUI annual rate |
|---|---|---|---|
| Geico | $2,019 | $2,930 | $3,150 |
| Nationwide | $2,058 | $2,458 | $3,145 |
| Progressive | $2,097 | $2,331 | $1,921 |
| Cincinnati | $2,183 | $3,434 | $4,508 |
| Allstate | $2,793 | $3,927 | $3,091 |
Cincinnati car insurance rates with bad credit
Cincinnati charges drivers with bad credit an average of $232 a month for car insurance. This is only 7% higher than the average of $208 a month. However, this is another situation where other auto insurance companies have cheaper rates.
Cincinnati auto rates for bad credit
| Company | Bad credit monthly |
|---|---|
| Geico | $179 |
| Progressive | $199 |
| Nationwide | $207 |
| Cincinnati | $232 |
| Allstate | $304 |
Cincinnati auto insurance rates for young drivers
Cincinnati does not have cheap car insurance for teens. It charges 18-year-olds an average of $416 a month for liability insurance. This is more than double Progressive’s rate of $201 a month.
Cincinnati charges young drivers $918 a month for full coverage. This is 42% higher than the average of $648 a month.
Cincinnati car insurance rates for young drivers
| Company | Annual rate for liability | Annual rate for full coverage |
|---|---|---|
| Progressive | $201 | $615 |
| Geico | $262 | $609 |
| Nationwide | $329 | $772 |
| Allstate | $373 | $691 |
| Cincinnati | $416 | $918 |
What car insurance discounts does Cincinnati offer?
Cincinnati does not offer very many car insurance discounts. However, you can use its RideWell smartphone app to lower your rate. You get a 10% discount just for signing up.
The app monitors your driving over 91 days. If you drive safely enough, you get discounts of up to 18% each time you renew your policy.
Several other companies also offer app-based safe driving programs. Some, including Progressive and Geico, will raise your rates if their app detects unsafe driving. Cincinnati does not.
What does Cincinnati car insurance cover?
Along with basic car insurance coverages like liability and collision
-
Zero deductible glass replacement
Waives your deductible for window replacement.
- Roadside assistance
- Lock replacement
- Airbag replacement
- Child safety seat replacement
-
Transportation expense coverage
Covers car rentals and other transportation expenses while your car is in the shop for covered repairs.
Glass replacement and transportation expense coverage tend to be the most useful extras. With Auto Plus, you pay for the entire package, even if you only want one or two of the coverages.
Cincinnati does not offer accident forgiveness, which protects you from a rate increase after your first at-fault accident. State Farm and Geico don’t offer accident forgiveness, either. Progressive and Nationwide are among the companies that do.
Cincinnati does offer insurance for collector cars. If your classic, antique or custom vehicle qualifies, you can insure it for an agreed value. An agreed value policy gives you more protection than standard car insurance.
How much is Cincinnati homeowners insurance?
Cincinnati has remarkably affordable home insurance at $2,201 a year, or $183 a month. This is cheaper than the rates you can get from better-known companies like State Farm and Allstate.
Cincinnati home insurance rate comparison
| Company | Annual rate | LendingTree score |
|---|---|---|
| Cincinnati | $2,201 | |
| State Farm | $2,427 | |
| Allstate | $2,560 | |
| Nationwide | $3,055 | |
| American Family | $3,072 | |
| Travelers | $3,149 | |
Overall, Cincinnati’s home insurance rates are 21% less than the national average of $2,801 a year. It’s an especially cheap option in Kentucky, where it charges less than half the state average. Cincinnati charges less than $1,700 a year for typical homes in Indiana and Ohio.
Cheap states for Cincinnati home insurance
| State | Cincinnati annual rate | State average annual | Vs. state avg |
|---|---|---|---|
| Alabama | $3,215 | $3,217 | 0% |
| Georgia | $2,446 | $2,869 | -15% |
| Indiana | $1,682 | $2,643 | -36% |
| Kentucky | $2,030 | $4,671 | -57% |
| Ohio | $1,633 | $2,207 | -26% |
Cincinnati insurance coverage for high-value homes
Cincinnati is one of the few mainstream companies that also insures high-value homes. Many other companies shy away from homes with a replacement value
If your home is worth more than this, you may have to find a specialty insurance company for standalone home insurance. With Cincinnati, you can keep your car and home insurance together with one company, no matter how much your home is worth.
Cincinnati further caters to affluent homeowners with umbrella insurance
What does Cincinnati home insurance cover
Cincinnati offers all the normal home insurance coverages most people need. This includes coverage for structural damage to your dwelling
The company also offers a few optional extras. These include:
- Personal cyber protection
- Identity theft coverage
- Landlord insurance for one- to four-unit rental properties
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services.
Car insurance rates are based on an analysis of quotes for sample drivers from every ZIP code in Ohio. Home insurance rates are based on quotes for home insurance in Alabama, Georgia, Indiana, Kentucky and Ohio.
Our sample driver for car insurance quotes is a 30-year-old man with good credit and no tickets, accidents or DUIs. The sample vehicle is a 2015 Honda Civic EX. Our sample teen driver is an 18-year-old male with a clean driving record.
Full coverage car insurance policies include:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Homeowner policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.