While Cincinnati Insurance may be a great fit for some, other carriers may also meet your needs. If you are gathering quotes from multiple insurers, you might want to consider these carriers as well:
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Cincinnati's car insurance offerings are highly customizable, with endorsement packages and optional coverage to meet the needs of a wide range of drivers. It may be a particularly good fit for shoppers who own multiple vehicles, including collector cars, motorcycle and motor homes. With coverage available in most states and Washington, D.C., it may be worth getting a quote from Cincinnati to see if its coverage and pricing is a good fit.
Like other top-rated insurance providers, Cincinnati offers all standard coverage types, along with a Personal Auto Plus endorsement that includes zero-deductible windshield replacement, roadside assistance, transportation expenses and other benefits. Other available endorsements include Replacement Cost Plus, which combines new car replacement and gap coverage in a single endorsement, and coverage for collector cars with no minimum age requirement. Cincinnati's wide range of coverage options that may not be available from other carriers, along with high financial strength ratings and a low level of recorded complaints from current customers, contribute to the company's Bankrate Score of 4.3 out of 5.0 for auto insurance.
Pros and cons of Cincinnati car insurance
If you're looking for car insurance quotes from smaller companies, Cincinnati Insurance could be a good fit. However, it's important to understand each carrier's strengths and weaknesses to find the right fit for your needs.
According to Quadrant Information Services, drivers who insure their car with Cincinnati pay an average of $165 per month for full coverage and $53 per month for state minimum coverage. That's around 26 percent less than the national average cost of car insurance.
Compare Cincinnati car insurance rates
Compared with larger carriers whose names may be more familiar, Cincinnati is typically more affordable, as seen by the average premiums shown below. However, keep in mind that your own rates from each carrier depend on complex rating algorithms, meaning that the cheapest car insurance company for you might be different from the average.
| Cincinnati | $165 | $53 |
| State Farm | $223 | $75 |
| Progressive | $182 | $61 |
| Geico | $181 | $49 |
| Allstate | $279 | $82 |
Like its auto insurance products, Cincinnati's affordable home insurance offerings put an emphasis on custom coverage, particularly for high-net-worth clients. The Executive Capstone program permits policyholders to tailor their coverage to meet a complex range of needs and may include coverage for homes valued up to $50 million. Additional packages may be available, including benefits like water damage coverage, golf cart coverage and kidnap and ransom coverage.
Together with low average premiums, high financial strength ratings and a low NAIC complaint index, Cincinnati's coverage offerings helped to earn the company a Bankrate Score of 4.0 out of 5.0 for home insurance.
Pros and cons of Cincinnati homeowners insurance
If you're comparing a home insurance quote from Cincinnati to rates from other carriers, take the time to consider the non-financial factors — both positive and negative — that set Cincinnati apart from its competitors.
Cincinnati home insurance cost
On average, a home insurance policy with $300,000 in dwelling coverage from Cincinnati Insurance costs $1,729 per year, according to Quadrant Information Services. That's approximately 28 percent less than the national average cost of home insurance.
Compare Cincinnati homeowners insurance rates
Cincinnati's home insurance premiums are typically lower than competitors' rates, as shown in the comparison chart below. However, keep in mind that your own quotes from any given company will depend on a wide range of factors, from your location to the age and value of your home.
| Cincinnati | $1,729 | -679 |
| State Farm | $2,186 | -222 |
| Allstate | $2,573 | 165 |
| USAA | $1,248 | -1160 |
| Travelers | $2,787 | 379 |
Answering a few quick questions to check your availability with Cincinnati
Cincinnati offers three types of life insurance policies — term, whole and universal — to suit the financial considerations of potential policyholders. While Cincinnati’s life insurance products aren’t especially unique, as reflected by its 3.9 out of 5.0 Bankrate Score for life insurance, it could still be a good choice for life insurance, especially for existing Cincinnati customers who prefer to manage their life insurance along with their auto and home. Unlike auto and home insurance, Cincinnati offers life coverage in 49 states and Washington, D.C. New York residents unfortunately don’t have access to Cincinnati life insurance.
Pros and cons of Cincinnati life insurance
If you're considering buying life insurance from Cincinnati, take the following strengths and weaknesses into account. Considering factors beyond the cost of coverage when comparing life insurance quotes can set you up for success down the line.
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“Cincinnati is truly a great company; not sure how it works elsewhere, but we have a dedicated local claims rep assigned to our agency, is a client as well. I can call or text them(I don’t) if I really need them. They are not the least expensive, but in my experience, are one of the few companies that really go over and above with claims”
"I have Cincinnati, and love them. Won't go with anyone else. My business also writes for them. Typically my customers, will have the auto, home and umbrella as a bundle with them to get the best savings. Claims service is very good as far as a company. Just my 2c. Good luck in your search!"
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Auto Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.