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Cincinnatti car insurance review Jan 2021
Last updated:
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
Review by
Roslyn McKenna
roslyn.mckenna@finder.comRoslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.
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, Esurance 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
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
Frequently asked questions about Cincinnatti car insurance
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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