Cincinnati Insurance Auto Insurance Review: Quotes and Service (2024)

The Better Business Bureau gives the Cincinnati Financial Company an overall rating of A+. The BBB does not have a specific rating for just the Cincinnati Insurance Company, but rather the entire parent company.

As per MoneyGeek’s calculation for affordability scores based on data from a J.D. Power survey, Cincinnati Financial is an expensive car insurer. Get a personalized quote from the insurer directly to see how much you might have to pay.

To find the cheapest car insurance policy, you should compare policies and get quotes from different insurers. Price isn’t the only criteria on which you should base your selection. To get a full picture, compare coverages, discounts, the insurer’s financial stability and customer satisfaction, among other factors.

Cincinnati Financial is an expensive insurer for an average driver seeking full or minimum coverage, as well as young drivers and drivers with traffic violation records.

Insurance companies do not share their methods for calculating insurance policy rates. However, all insurers, including Cincinnati Financial, charge higher premiums for additional coverage and for drivers who are deemed risky, whether due to age or a poor driving record.

Like all other car insurance companies, Cincinnati Financial provides standard coverage such as liability insurance, comprehensive and collision insurance.

It also offers a wide range of add-on coverages which you can purchase. You can opt for roadside assistance, new car replacement, gap insurance and rental car or travel reimbursement insurance coverage as well. However, Cincinnati Financial does not provide optional coverages for accident forgiveness, better car replacement or deductible modification.

Still, the insurer does offer unique coverages, including antique and classic car insurance, lock replacement and trip interruption.

Lock replacement coverage pays up to $1,500 to replace your door locks when someone loses or steals the keys to your covered auto. Trip interruption coverage pays up to $600 for transportation, lodging and meals when you or a family member cannot use your covered vehicle for at least 24 hours due to a covered accident, mechanical or electrical breakdown.

One of the main features that sets the Cincinnati Insurance Company apart from other car insurance providers is the large range of features you’re eligible to enroll in. This company offers a personal auto plus package that contains a range of benefits and features for customers.

You can save money when you bundle insurance policies, like home and auto. Cincinnati Insurance Company currently offers additional insurance coverage options. If bundling home and auto is an important selling factor for you, we recommend shopping around for the best home and auto insurance bundles in your state.

The Cincinnati Insurance Company has a strong financial backing, with AM Best giving this company a rating of A+ or Superior. The Cincinnati Insurance Company is a $2-billion-or-greater-sized insurance provider that is considered stable.