Cincinnati Insurance Home and Auto Review
$1,849 a year
$2,201 a year
- 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 The NAIC rates companies on confirmed complaints by size. A confirmed complaint is one that leads to a finding of fault. (NAIC). This means it has fewer customer complaints than average. Its A+ rating from AM Best shows it has the financial strength to pay claims.
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++ |
Sources: NAIC 2024 Complaint Index; AM Best
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 Full coverage includes collision and comprehensive, which cover your own car for damage and theft. . Its minimum coverage Minimum coverage usually includes liability insurance, which covers injuries and damage you cause to others. Some states require additional coverage. rate of $132 a month is 33% higher than the average.
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 Progressive and Travelers are among the better-known companies that work with independent insurance agents. Smaller regional companies often also work with independents. they work with. They won’t push Cincinnati on you if one of these other companies has a cheaper rate.
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 Collision covers damage to your car from a collision with another vehicle or object. , Cincinnati offers a few extras. The latter includes replacement cost coverage If you total your car, replacement cost coverage pays to replace it, without deducting depreciation. and gap coverage. Its Auto Plus package includes a group of extra coverages. These include:
- 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 Replacement value is the estimated cost of rebuilding a home after a total loss. You usually need to insure your home for this amount, which is typically lower than a home’s market value. above $1 million.
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 Umbrella insurance provides extra coverage for liability claims that go over your regular home and auto policies’ limits. limits up to $100 million. It also insures boats and yachts over 80 feet long.
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 Dwelling coverage pays to repair or rebuild the structure of your home if a fire, hail or other event damages or destroys it. , as well as liability Liability covers injuries to other people and damage to their property. It does not cover your own injuries or property damage. expenses that may arise.
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