Cincinnati insurance review 2025

Cincinnati car insurance cost

Based on Bankrate’s analysis of premium data from Quadrant Information Services, the average cost of full coverage car insurance with Cincinnati is $1,887 per year, while minimum coverage costs an average of $546 per year, as of May 2025. For comparison, the national average cost of car insurance is $2,692 per year for full coverage and $808 per year for minimum coverage. Your unique rating factors, such as the make and model of your car and where you live, will impact how much you pay, and your rate with Cincinnati could be higher or lower than the averages we show here.

How much is Cincinnati car insurance?

Your driving history has a large impact on how much you pay for your car insurance. Drivers with at-fault accidents or moving violations on their records may find it harder to find cheap car insurance. Below, we compare Cincinnati’s average rates to the national average for a few different driver profiles.

Cincinnati car insurance quotes by age

In most states, your age is also a major car insurance rating factor. Younger drivers usually pay higher rates but may be able to save on car insurance by staying on their parents’ policies until they have established their own households. We compare Cincinnati’s average rates to the national average for several ages below, and we’ve included young drivers both on and off their parents’ policy (note that drivers under 18 are not legal adults and generally cannot own a car insurance policy). These drivers have clean driving records; keep in mind that driving incidents will likely increase rates.

Compare Cincinnati car insurance rates

For an additional premium, Cincinnati offers replacement cost and gap coverage, both of which are especially important for higher-end vehicles. They help protect against the steep financial hit of depreciation if your car is totaled or stolen. One of Cincinnati’s local independent agents can certainly help advise you on whether these coverages are appropriate for your vehicle and financing situation. 

However, if your agent recommends a full coverage policy or if you opt for a minimum coverage policy, you may be pleased to find that Cincinnati typically offers very affordable premiums compared to the other providers we analyzed.

Cincinnati customer satisfaction

Analyzing a company’s customer satisfaction scores and other third-party ratings is an important part of choosing the best insurer for your needs. Cincinnati earns an A+ (Superior) financial strength rating from AM Best, the second-highest level available. This indicates that Cincinnati has historically been able to pay claims. When analyzing auto insurance satisfaction, consumer data analytics company J.D. Power rates insurers for both overall satisfaction and claims satisfaction. Unfortunately, Cincinnati wasn’t rated in any studies, likely because it is a smaller insurer.

Cincinnati auto insurance customer complaints

Cincinnati car insurance discounts

Making use of your insurer's discounts is one way to lower your rate. Almost all insurers offer a few discounts, and many are easy to earn. Cincinnati doesn’t overtly advertise its discounts as much as some other providers, but here are some to get you started:

• Bundling: The company rewards you with a discount on each policy if you insure your home and vehicle.
• Multiple vehicles: Save on each vehicle you insure with Cincinnati.
• Claims-free: If you’ve gone a certain period of time without filing a claim, Cincinnati will issue you a discount.
• Student: Students enrolled in high school or college who earn at least a 3.0 GPA or B average can earn a discount.
• Telematics: If you participate in RideWell, Cincinnati’s telematics program, you could earn discounts for driving safely.
• Billing: Paying for your entire policy period upfront or enrolling in paperless billing are two easy-to-earn discounts.

Cincinnati home insurance cost

Nationally, home insurance costs an average of $2,329 per year for $300,000 in dwelling coverage. Cincinnati Insurance’s average annual premium for the same amount of coverage is $1,729 per year, which is 26 percent less. Remember that the cost of home insurance will vary based on a number of factors, though, including the specific features of your home, your claims history, your state and the coverage limits on your policy. Below, we compare Cincinnati’s average rates to the national average for several dwelling coverage amounts.

Compare Cincinnati homeowners insurance rates

Home insurance rates for the same home may vary by company. Each insurer has its own formula for calculating rates and discounts, so comparing policy quotes is important.

Cincinnati customer satisfaction

Cincinnati has an A+ (Superior) financial strength rating from AM Best, meaning its historical ability to pay out claims has been strong. Consumer data analytics company J.D. Power did not rate Cincinnati home insurance in any customer satisfaction studies, however, likely because it is a smaller insurer.

Cincinnati home insurance customer complaints

Cincinnati home insurance discounts

Taking advantage of discounts may help you find cheaper home insurance, but just like with auto insurance, Cincinnati doesn’t advertise many home discounts. However, you could save by:

• Bundling your auto and home policies
• Insuring a newer home
• Being claims-free
• Having a central alarm system installed

Discounts may vary by state, so talking with a local Cincinnati agent may be the best way to learn about your savings options.

Pros and cons of Cincinnati life insurance

As you shop for and compare life insurance quotes, you may want to take even more care to look at factors other than price. The cost of life insurance is based primarily on your age, health and the type of policy you choose. Identifying the pros and cons of different life insurance companies can help you find a carrier that meets your needs. Here are some areas where Cincinnati excels and falls short:

Cincinnati life insurance riders

The add-ons or riders that are available to add to your Cincinnati life insurance policy will depend on the type of policy you buy, the state you live in and your eligibility. If you’re looking for cheap life insurance, remember that riders will increase your premium, but the extra coverage could be a worthwhile tradeoff. Cincinnati offers the following riders, among others, for its term and whole life policies:

• Accelerated benefit rider: If you are diagnosed with a terminal illness or are expected to reside in a nursing home or assisted living facility for the remainder of your life, you may be able to access some of your death benefit before you pass.
• Children’s term rider: This rider could allow you to add coverage for a qualifying child on your own policy, rather than buying separate life insurance for your child.
• Disability waiver of premium rider: If you’ve been disabled for four consecutive months, you may have your premium payment waived for the duration of your disability.

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:

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.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average 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 each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home 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.

Bankrate Score

• Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
• Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
• Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.