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Cincinnatti car insurance review Aug 2021

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

finder.com's rating: 4 / 5

★★★★★

  • Get a quote if you want custom coverage from a solid insurer.
  • Pick something else if you want to online chat or a great online experience.
  • 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
Accident forgiveness No
New car protection Yes
Pay schedule 12 months
Claims methods phone, in-person
Rideshare coverage No
SR-22 support 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 No

Expert review

Cincinnati stands small in the insurance market when you weigh this company against other nationwide insurers. But it could be your best option if you’re attracted to options like a zero deductible, classic car insurance or coverage beyond the US. Despite no ability to manage claims online, consider weighing this insurer’s benefits with a few other car insurers to make sure you’re not missing out.

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 or Root. With Cincinnatti, 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.

How to apply for Cincinnati car insurance

  • Online
  • Email

What car insurance discounts can I get with Cincinnati?

  • 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 - No

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 features does Cincinnati have?

  • 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

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 contact Cincinnati

Call (888) 242-0888 to get in touch with Cincinnati.
  • Phone
  • 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
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Frequently asked questions about Cincinnatti car insurance

Car insurance ratings

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We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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