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Cincinnati Insurance at a glance


Pros Cons
  • A network of local agents
  • Few customer complaints
  • Great for high end and luxury vehicles
  • No online quoting tool 
  • Not a lot of available discounts

Cincinnati Insurance Company car insurance review

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4.5 Rating from The Zebra Question mark icon

Also known as Cincinnati Financial, the Cincinnati Insurance Company is based in Ohio and stands out from many standard insurers through its varied selection of coverage options for car insurance and homeowners insurance. While the company primarily caters to those of high net worth, it's rated very positively by reputable organizations, and could be a great option for those looking for a premium experience in customer service, claims processing and coverage. It offers auto and home insurance in most states and relies on independent local agents to write policies. Cincinnati also provides a wide variety of other insurance products, such as life insuranceumbrella and business insurance.

If you're looking for special benefits from your auto insurance coverage or seeking to protect a collectible car, Cincinnati Insurance Company could meet your needs. This insurance company caters to those of high net worth, but it could be a good option for protecting your vehicle with a varied selection of coverage enhancements, which can be customized to your liking. While this insurer doesn't have many individual endorsements to choose from — which is usually the case with many national companies — Cincinnati Financial's model offers a few tiers of car insurance coverage that may come with a plethora of unique perks, like deductible-exempt replacements for airbags, child safety restraint seats, door locks and auto glass.

Cincinnati Insurance Company does not offer many discounts or an online quoting tool — again making it an outlier compared to the biggest insurers — but it earned favorable ratings from reputable third-party agencies.

  • JD Power Rating — Not rated: Cincinnati Insurance Company was not included in either of JD Power’s auto insurance studies for customer satisfaction and claims satisfaction.
  • Financial Strength — Excellent: Per AM Best, Cincinnati Insurance was rated A to A+ in financial strength, which means it has the capital to pay out claims and stay in business. Ratings from AM Best serve as benchmarks in evaluating insurers’ financial stability.
  • NAIC Rating — Excellent: The National Association of Insurance Commissioners (NAIC) logged far fewer consumer complaints regarding Cincinnati Financial than the national median.
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Where is Cincinnati Insurance auto insurance available?

Cincinnati Insurance Company ALAZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, MD, MA, MI, MN, MO, MT, NE, NV, NH, NJ, NC, ND, NY, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WI, WY
States Available Not Available

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Cincinnati Insurance Company car insurance coverage options

Cincinnati can cover all of your bases with basic coverages for liability, collision, comprehensive and more. Coverage can be customized with the help of a local agent. Policies can be further enhanced with some optional coverages and endorsements, including some special protections and tiers of coverage that can provide some additional benefits.

Gap insurance

For an additional premium, gap coverage can be added to your auto insurance policy. This popular endorsement pays the difference between a totaled car's depreciated value and what you owe on your lease or loan agreement. 

Antique or collector car insurance

Known as Cincinnati's Exhibition Auto coverage, this coverage is designed for those who own and display antique or collector cars at events such as car shows and parades. It can be added to the same policy that insures your commuter vehicle(s). Exhibition Auto covers cars of any age (although other qualifications may apply) and guarantees that claims payouts will be based on the vehicle's agreed value without accounting for the car's depreciation.

Replacement Cost Plus

This endorsement combines two coverages — new car replacement and gap insurance — to give the policyholder flexibility in the event their vehicle is involved in a total loss. To qualify, Replacement Cost Plus must be added to the policy within 30 days of purchasing a brand new car (current or previous model year) with less than 1,000 miles. If the car becomes totaled, the policyholder can choose one of two options:

  • Get a new car of the same make, model and equipment, or
  • Receive the balance remaining on your car loan

Personal Auto Plus

For those looking for extra bells and whistles rolled into their auto policy, Cincinnati's Personal Auto Plus endorsement could be a good option for some premium coverages. The availability of these coverage options can vary by state. It includes:

  • Airbag replacement: If an airbag accidentally deploys, Cincinnati Insurance Company will pay to replace it without charging a deductible.
  • Safety restraint benefit: This doubles your limit for medical payments if you or another occupant are ever injured while wearing a manufacturer-installed seatbelt or using a child's safety restraint seat.
  • Transportation expenses: If you're without a car after a covered accident, Cincinnati will increase your coverage limit for transportation expenses to $50 per day, up to a total of $1,500.
  • Roadside assistance: This is a common add-on for many policies, but this benefit will increase coverage to $250.
  • Deductible waiver: In the event you suffer a total loss of your vehicle, your deductible will be waived.
  • Supplementary payments: If a covered loss results in you or your spouse's death, the supplementary payment benefit will be increased from $500 to $5,000.
  • Trip interruption: This will cover up to $600 in additional expenses for transportation, lodging and meals if you cannot use your car for at least 24 hours after a covered accident or mechanical or electrical breakdown. The deductible will also be waived, but you must be traveling more than 100 miles from your residence to use this coverage.
  • Lock replacement: If someone steals or loses your car keys, this deductible-exempt coverage covers up to $1,500 to replace your door locks.
  • Child safety seat replacement: Without deducting for depreciation and requiring a deductible, Cincinnati will replace your child safety seat following an accident.
  • Glass deductible waiver: Even the best drivers can experience cracks in their windshield. This will waive your deductible for auto glass replacement.

Capstone Collector Auto Coverage

Ideal for owners of classic or antique cars, sports cars and luxury vehicles, Cincinnati Insurance Company offers a tier of specialized coverages through its Capstone Collector Auto Coverage program. These benefits also extend to your everyday vehicle in addition to your collectible car(s). Coverage options can vary by state. It includes the following benefits:

  • Diminution in value: Your vehicle will sustain diminished value even after any covered damage is repaired. This protection guarantees you'll be paid for the car's agreed value if it gets totaled further down the line.
  • Spare parts: This pays for spare parts if your collector car sustains damage.
  • Agreed value: If your car becomes a total loss, agreed value guarantees you'll be paid out the full value of its worth.
  • New car replacement: Cincinnati will replace your car in the most recent model year if your new car gets totaled or is stolen.
  • Original equipment manufacturer parts: For any parts that need replacing after a covered loss, this ensures you get OEM parts to fix your vehicle.
  • Transportation expenses: If you need to drive a rental car while your own is being repaired, this coverage extends protection to your rental replacement and also does not impose a daily expense limit.
  • No deductible: This waives your deductible for pet injuries and replacements of airbags, locks, child safety restraint seats and auto glass and repair.
  • Roadside assistance: If your car is need of roadside assistance, this covers things like emergency repair, towing and delivery of gas, tires and batteries.
  • Trip interruption expenses: If your vehicle breaks down further than 50 miles from your residence, you'll be reimbursed for certain expenses such as meals and lodging.
  • Worldwide liability: Your liability coverage applies no matter where you are in the world, as long as the location is not under economic or travel restrictions imposed by the US.
  • Cash settlement option: When the cost of physical damage passes 50% of the car's agreed value, you can accept a cash settlement instead.

Cincinnati Insurance Company auto insurance discounts

While this insurance provider doesn't have the best selection of discounts and details on exactly how much one can expect to save, Cincinnati offers a few discounts policyholders should keep in mind while shopping. These car insurance discounts tend to be very common; similar ones can be found at any reputable insurance company.

Discounts based on the driver or vehicle

  • Good driver: Get a discount if you have a good driving record free of any recent accidents.
  • Good student: Those who have earned at least a 3.0 GPA or maintain a B average in school are eligible for some savings.
  • Multiple vehicles: Insure multiple cars on one car insurance policy to get this discount.

Discounts based on the policy

Cincinnati RideWell telematics program

To encourage safe driving habits, Cincinnati offers a telematics-based mobile app that records your driving habits and activities. It scores your driving based on braking, speeding, hard stops, mobile device use, turning and acceleration. The company offers a discount of 10% for drivers younger than 24, a 5% discount for all other drivers and claims you can earn up to an 18% discount by practicing safe driving.

Cincinnati Insurance Company bundling options

Cincinnati Insurance offers several other types of insurance that may be bundled together, sometimes leading to additional savings.


Additional insurance products offered by Cincinnati Insurance

Insurance Line

Cincinnati Insurance Company homeowners insurance review

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Many of Cincinnati's homeowners insurance policies may be appealing to those who own high-value properties and require some extra protection. The company has three tiers of coverage, the most basic of which covers homes of any value, but their upper two tiers cover homes that are worth more than $500,000 and $1 million, respectively. Nonetheless, Cincinnati Insurance Company provides a multitude of add-ons, like earthquake insurance, flood coverage and wildfire mitigation, and even some uncommon ones like coverage for golf carts, kidnap and ransom expenses and emergency event cancellation.

It was also rated positively by third-party agencies that judge insurers' financial strength and record of consumer complaints. The company doesn't offer many discounts but had lower rates than its competitors, including Chubb (which similarly is geared towards those with many assets) and some of the largest, most recognized names in insurance.

  • J.D. Power Rating — Not rated: Cincinnati Insurance Company has previously rated highly in J.D. Power’s home insurance study, though they have not been included in recent years.
  • Financial Strength — Excellent: Per AM Best, Cincinnati Insurance was rated A to A+ in financial strength, which means it has the capital to pay out claims and stay in business. Ratings from AM Best serve as benchmarks in evaluating insurers’ financial stability.
  • NAIC Rating — Excellent: The National Association of Insurance Commissioners (NAIC) logged far fewer complaints regarding Cincinnati Financial's homeowners insurance than the national median.
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Cincinnati Insurance Company homeowners coverage options

As is the case with Cincinnati's auto insurance, the company has a few tiers of coverage for homeowners insurance, which are primarily designed for homeowners with high-value properties or unique needs. Listed below are details on what comprises each level of coverage.

Executive Homeowner Policy®

This is the most basic tier that covers homes of any value. It includes all of the standard coverages found in all home insurance policies:

  • Dwelling: Covers the primary structure of your home.
  • Other structures: Covers any detached structures (like a garage, fence or shed).
  • Personal property: Covers your personal belongings and items stored in your residence.
  • Additional living expenses: Covers expenses for temporary housing if your home becomes uninhabitable after a covered loss.
  • Personal liability: Covers you and your family's liability if you're sued for causing bodily injury or property damage.

Executive Homeowner Plus Endorsement

This is a bundle of endorsements that will increase your coverage. It includes:

  • Replacement cost on your personal property
  • Repairs or replacement of damaged trees, shrubs and plants
  • Debris removal of trees, shrubs and plants due to the weight of ice, snow, sleet or from a windstorm or hailstorm
  • Ordinance or law coverage to rebuild, repair or demolish your dwelling within the coverage limit
  • Credit card protection against theft or unauthorized use, with an increased limit of $5,000
  • Coverage for the theft or loss of unscheduled jewelry, watches, furs and precious and semiprecious stones, with an increased limit of $2,500
  • Freezer contents following a power failure or mechanical breakdown, with a coverage limit of $500 and no deductible
  • Deductible waiver for a covered loss exceeding $50,000, unless the claim is related to wind, earthquake or landslide

Executive Classic™ Policy

If your home is worth over $500,000, Cincinnati's Executive Classic™ offers enhanced coverage that builds upon the protection provided by the Executive Homeowners Policy®:

  • Guaranteed replacement cost: If your home is damaged or destroyed, this coverage ensures it covers the full cost including any special features.
  • Replacement cost for home contents: Cincinnati will pay to repair or replace your personal property up to the coverage limit.
  • Sewer backup coverage: Covers losses caused by backed-up water in sewers or drains.
  • Identity theft coverage: Covers expenses related to identity theft-related losses.

Executive Classic™ — optional coverages

You can further tailor your coverage by adding these additional endorsements to an Executive Classic™ Policy:

  • Capstone Auto endorsement: Guarantees agreed value after the total loss of your vehicle, covers the use of OEM parts, rental car with no expense limit and new car replacement.
  • Capstone Personal Articles coverage: Get appraisal value for fine art, guns, jewelry and other collections.
  • Employment practices liability coverage: Expands liability coverage and covers up to five employees who work in your residence.
  • Preferred Primary Flood: An alternative to flood insurance through the NFIP, includes additional benefits like coverage for debris removal, preventative measures and extra costs to rebuild.
  • Excess flood endorsement: Provides even higher limits than Preferred Primary Flood and the NFIP.


Executive Capstone™ Policy

Meant for homes worth over $1 million, the Executive Capstone™ Policy is Cincinnati's premium option for homeowners insurance. Along with covering the full replacement cost to rebuild your home, it includes the following coverages:

  • Water damage as a result of sewer backups, hydrostatic water pressure or seepage
  • Golf cart-related losses
  • Wildfire mitigation through its Wildfire Protection Service (only available in AZ, CA, CO, ID, MT, ND, OR, TX, UT and WA)
  • Kidnap and ransom expenses for you or a covered family member

Executive Capstone™ — optional coverages

This policy gives some additional flexibility, allowing homeowners to opt into some additional protections. Availability of certain coverages may vary by state:

  • Capstone Family Shield: Cincinnati provides assistance with recovery and security if you or your family ever become victims of air or road rage, hijacking, carjacking, child abduction, home invasion or stalking.
  • Capstone Green Upgrades: Covers rebuilding with environmentally-friendly materials after a covered event.
  • Assisted living care: Extends your personal property coverage to family members living in assisted living or long-term care facilities.
  • Preferred primary flood: Offers flood coverage with limits that go beyond a National Flood Insurance Program (NFIP) policy.
  • Service lines: Protects against losses due to the failure of utility lines.
  • Equipment breakdown: Covers the cost of diagnosing and repairing mechanical or electrical equipment.
  • Large loss deductible: Pay only one deductible as opposed to multiple if you suffer a large loss to your home, auto and any scheduled personal property from a single occurrence.
  • Loss prevention device: Get limited coverage for the installation of a loss prevention device after a covered claim.
  • Cyber protection: Coverage for professional assistance if you're ever the victim of cyber extortion.
  • Emergency event cancellation: Cincinnati offers limited coverage if you need to cancel or change a planned special event that was scheduled to be hosted at your residence.

Additional optional insurance coverages from Cincinnati Financial

Cincinnati Insurance Company has a few optional enhancements and endorsements that can be added to a policy:

Enhanced replacement cost

If you don't already have enhanced replacement cost coverage built into your policy (like the Executive Classic™) it can be added to your Cincinnati home insurance. If the cost of damage exceeds your coverage limit, this endorsement pays up to 25% above the specified limit for your dwelling.

Earthquake coverage

Earthquake insurance is available for qualifying policyholders of any of Cincinnati's three tiers of coverage — Executive Homeowner, Executive Classic and Executive Capstone.

Limited water damage coverage

This increases coverage for water damage caused by sewer or drain backup, a sump pump or seepage from below the ground surface. It covers up to a maximum of $100,000 per occurrence.

Identity theft coverage

A professional advocate can help you correct credit reports and complete paperwork if you're ever the victim of identity theft. Cincinnati will expense up to $25,000 for things like lost wages, loan application fees and legal assistance. This coverage may already be included in the Executive Classic and Executive Capstone policies, but can be purchased as an add-on if your Cincinnati policy does not include identity theft protection.


Cincinnati Insurance Company discounts on home insurance

Cincinnati's variety of homeowners insurance discounts matches that of its auto insurance discounts — there are only five, much fewer than what can be offered by larger national insurance companies. The discounts available tend to be commonly found at other insurers. 

Discounts based on the homeowner or property

  • New home: Homeowners who reside in a newer home can qualify for some savings.
  • Security system: Receive this discount by installing a home alarm monitored by a central station.
  • Claim-free: You can be eligible for this discount if you have a clean record of few or no claims.

Discounts based on the policy

  • Bundling/multi-policy: Get a bundling discount for insuring both home and auto with Cincinnati.
  • Higher deductible: Increase your home insurance deductible to get this discount.

Weigh your options and get the best value from your next insurance policy.

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How much does Cincinnati Financial homeowners insurance cost?

Cincinnati Financial vs. Competitors.png
Insurance Company Average Monthly Cost
Cincinnati Financial $72
Chubb $115
State Farm $122
Travelers $125
Allstate $116


Where is Cincinnati Financial home insurance cheapest?

There are four states in which Cincinnati Insurance ranks among the top three cheapest options for homeowners insurance.

State Monthly Premium
Alabama $100
Indiana $70
Kentucky $89
Ohio $56

How to cancel a Cincinnati Insurance Company policy

Cincinnati Financial does not have definitive directions on how policyholders can cancel their policy. Policyholders should reach out to their local insurance agent from whom they purchased coverage to put in a formal request.

Can I cancel my Cincinnati Insurance policy online?

At this time, Cincinnati policies cannot be canceled online. Contact the company's customer service line at 888-242-8811 or your local agent to get directions on how to cancel.

Cincinnati Insurance Company online features and app

Cincinnati Financial's website is notable for its inability to generate online quotes — which is unusual compared to most insurance company websites. Due to the company's reliance on local agents, the site instead refers potential customers to a tool for finding agencies that offer Cincinnati insurance products.

Despite this shortcoming, claims can still be filed online if policyholders make an account. The company also has a mobile app called MyCincinnati, available for iOS and Android. With this app, policyholders can:

  • Make payments
  • Access policy documents and proof of auto insurance ID cards
  • Find an agent
  • Submit claims
  • Schedule repairs and auto glass claims
  • Choose a provider for service and repairs
  • Request roadside assistance
  • Enroll in RideWell, Cincinnati's telematics program

Learn more about Cincinnati Insurance Company at cinfin.com.

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.