Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Cincinnatti car insurance review Oct 2020

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

Roslyn McKenna

Review by


Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on car, life, home and other 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.

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

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

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

  • Online
  • Email

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
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
loading

Compare up to 4 providers

Frequently asked questions about Cincinnatti car insurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

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.

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 finder.com Terms of Use and Privacy and Cookies Policy.
Go to site