We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Cincinatti car insurance review

Last updated:  

Enjoy a surprising range of perks and benefits from this small insurer available across the US and internationally.

  • Get a quote if you want custom coverage from a solid insurer.
  • Pick something else if you want to online chat or a mobile app.
  • Drivers with standard and classic cars can apply.

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served All 50 states
Roadside assistance Optional
Pay schedule 12 months
Claims methods phone, in-person
New car protection Yes
Accident forgiveness No

Pros

  • Small yet solid insurance company with A+ AM Best financial rating
  • Upgraded policies with trip interruption, OEM coverage, no deductible and more
  • Options for collectors and classic cars with agreed value coverage
  • One of only a few companies with international coverage

Cons

  • Some customers reported claim delays and poor communication
  • No live online chat
Anti-theft device discount No
Bundling discount Yes
Defensive driving discount No
Good student discount Yes
Loyalty discount No
Homeowner discount Yes
Military discount No
Safety device discount No
Special employment discount No
Usage-based discount No
Other discounts
Rideshare coverage No
SR-22 coverage No
Temporary & short term coverage No

Who is Cincinnati car insurance best for?

This small yet solid insurer is surprisingly competitive compared to the big national insurers. Consider getting a quote if you like the unique perks Cincinnati has to offer.

You’ll find the standard suite of coverage options plus some bonus perks and add-ons you won’t find with many providers, like no-deductible policies, international coverage and original equipment manufacturer (OEM) parts. You can also get coverage for your classic or collector car with agreed value policies.

But if you’d prefer a great digital experience, you might need to look at digital-friendly insurers like Metromile, Esurance or Root. With Cincinatti, you won’t be able to make a claim online or by app, and there’s no online chat on Cincinnati’s website. Some customers also reported claim delays and poor communication, which is a common complaint for most insurers.

What car insurance coverage does Cincinnati offer?

  • Bodily injury liability - Yes
  • Property damage liability - Yes
  • Uninsured motorist bodily injury - Yes
  • Uninsured motorist property damage - Yes
  • Personal injury - Yes
  • Medical payments - Yes
  • Collision - Yes
  • Comprehensive - Yes

What car insurance features does Cincinnati offer?

  • Roadside assistance - Optional
  • Gap insurance - Yes
  • Rental cars - Yes
  • Pet injury - No
  • Rideshare - No
  • New car protection - Yes
  • SR22 - No
  • Nonowner coverage - No
  • Temporary and short term - No

What car insurance discounts does Cincinnati offer?

  • Anti-theft device discount - No
  • Bundling discount - Yes
  • Defensive driving discount - No
  • Good student discount - Yes
  • Loyalty discount - No
  • Homeowner discount - Yes
  • Military discount - No
  • Safety device discount - No
  • Special employment discount - No
  • Usage-based discount - No
  • Other discounts -

Pros and cons of Cincinnati

Pros

  • Small yet solid insurance company with A+ AM Best financial rating
  • Upgraded policies with trip interruption, OEM coverage, no deductible and more
  • Options for collectors and classic cars with agreed value coverage
  • One of only a few companies with international coverage

Cons

  • Some customers reported claim delays and poor communication
  • No live online chat

How to apply for Cincinnati car insurance

To apply for Cincinnati car insurance or to get a quote, you’ll need to contact a local agent.

How to make a car insurance claim with Cincinnati

  • phone
  • in-person

Compare alternatives to Cincinnati car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

Compare up to 4 providers

Frequently asked questions about Cincinatti car insurance

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site