Comprehensive Review of Cincinnati Insurance Company
The Cincinnati Financial Corporation owns the Cincinnati Insurance Company. The Cincinnati Insurance Company sells almost every insurance product but renters insurance.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The Cincinnati Financial Corporation owns the Cincinnati Insurance Company
- Cincinnati Insurance sells both commercial and personal lines of insurance
- You can’t buy renters insurance through the Cincinnati Insurance Company
Homeowners who also run a business need protection from every angle. Thankfully, the Cincinnati Insurance Company provides insurance products to meet almost all of your coverage needs.
Keep reading this Cincinnati Insurance Company review to learn more about this company and discover if Cincinnati Insurance is best suited for your needs.
What is the Cincinnati Insurance Company?
The Cincinnati Insurance Company is part of the Cincinnati Financial Corporation, which also includes:
- The Cincinnati Life Insurance Company
- The Cincinnati Indemnity Company
- CSU Producer Resources Inc.
- The Cincinnati Casualty Company
The Cincinnati Insurance Company provides property and casualty insurance coverage throughout the United States. If you need assistance with your policy, the Cincinnati Insurance phone number is 888-242-8811.
The Cincinnati Insurance Company website provides valuable tools for clients, like an online payment tool and a client login portal. There is also a blog that offers insurance information and tips.
Cincinnati Insurance is highly rated. It has an A+ rating from A.M. Best, and the Cincinnati Financial Corporation earned an A+ rating from the Better Business Bureau.
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What insurance products does the Cincinnati Insurance Company provide?
You can purchase a wide range of products through the Cincinnati Insurance Company. Below, you can review some insurance products Cincinnati Insurance has to offer:
- Home insurance
- Condo insurance
- Life insurance
- Auto insurance
- Watercraft insurance
- Commercial auto insurance
- Commercial property insurance
- Crime insurance
- Cyber risk
- Inland marine
- Umbrella liability
The Cincinnati Insurance Company could be a good fit for business owners looking to protect their company and homeowners who need protection for their personal belongings.
Does the Cincinnati Insurance Company offer affordable rates for auto insurance?
The Cincinnati Insurance Company’s website doesn’t feature a quote tool, so you’ll need to speak with a company representative to learn more about Cincinnati Insurance’s rates. However, you don’t need to wait to start planning your budget. If you want to learn how much you may pay for auto insurance, you can refer to this chart below:
Average Monthly Comprehensive Car Insurance Rates by State
| States | Average Monthly Comprehensive Rates |
|---|---|
| *Industry Average | $157 |
| Alabama | $135 |
| Alaska | $93 |
| Arizona | $139 |
| Arkansas | $108 |
| California | $172 |
| Colorado | $168 |
| Connecticut | $149 |
| Delaware | $148 |
| District of Columbia | $155 |
| Florida | $164 |
| Georgia | $165 |
| Hawaii | $99 |
| Idaho | $78 |
| Illinois | $93 |
| Indiana | $105 |
| Iowa | $105 |
| Kansas | $147 |
| Kentucky | $170 |
| Louisiana | $227 |
| Maine | $86 |
| Maryland | $172 |
| Massachusetts | $102 |
| Michigan | $192 |
| Minnesota | $99 |
| Mississippi | $158 |
| Missouri | $138 |
| Montana | $167 |
| Nebraska | $139 |
| Nevada | $134 |
| New Hampshire | $106 |
| New Jersey | $146 |
| New Mexico | $140 |
| New York | $193 |
| North Carolina | $110 |
| North Dakota | $143 |
| Ohio | $92 |
| Oklahoma | $121 |
| Oregon | $154 |
| Pennsylvania | $128 |
| Rhode Island | $229 |
| South Carolina | $112 |
| South Dakota | $137 |
| Tennessee | $103 |
| Texas | $152 |
| Utah | $138 |
| Vermont | $92 |
| Virginia | $109 |
| Washington | $123 |
| West Virginia | $116 |
| Wisconsin | $106 |
| Wyoming | $146 |
As you can see, rates vary drastically by state, but your location isn’t the only factor influencing your rates. Your vehicle type can also affect what you pay for insurance. Cincinnati offers discounts — like a good student or multi-car discount — to help you maintain affordable rates.
How much car insurance coverage do I need?
The minimum amount of car insurance required by each state is different. If you’re not sure what the requirements are where you live, you can review this data table to make sure you have enough coverage:
| States | Coverage Requirements |
|---|---|
| Florida | $10k property damage liability per accident $10k personal injury protection |
| California | $15k bodily injury liability per person $30k bodily injury liability per accident $5k property damage liability per accident |
| Delaware | $15k bodily injury liability per person $30k bodily injury liability per accident $10k property damage liability per accident |
| Pennsylvania | $15k bodily injury liability per person $30k bodily injury liability per accident $5k property damage liability per accident $5k medical benefits |
| Arkansas, Delaware, Nevada | $15k bodily injury liability per person $30k bodily injury liability per accident $10k property damage liability per accident |
| New Jersey | $15k bodily injury liability per person $30k bodily injury liability per accident $5k property damage liability per accident $15k personal injury protection |
| Louisiana | $15k bodily injury liability per person $30k bodily injury liability per accident $25k property damage liability per accident |
| Michigan | $20k bodily injury liability per person $40k bodily injury liability per accident $10k property damage liability per accident |
| Iowa | $20k bodily injury liability per person $40k bodily injury liability per accident $15k property damage liability per accident |
| Hawaii | $20k bodily injury liability per person $40k bodily injury liability per accident $10k property damage liability per accident $10k personal injury protection |
| Indiana, Montana, New Mexico, Washington | $25k bodily injury liability per person $50k bodily injury liability per person $10k property damage liability per accident |
| Colorado, Idaho, Tennessee | $25k bodily injury liability per person $50k bodily injury liability per accident $15k property damage liability per accident |
| Kentucky | $25k bodily injury liability per person $50k bodily injury liability per accident $10k property damage liability per accident $10k personal injury protection |
| Wyoming | $25k bodily injury liability per person $50k bodily injury liability per accident $20k property damage liability per accident |
| Alabama, Arizona, Georgia, Mississippi, Ohio, Oklahoma, Rhode Island | $25k bodily injury liability per person $50k bodily injury liability per accident $25k property damage liability per accident |
| Maryland | $30k bodily injury liability per person $60k bodily injury liability per accident $15k property damage liability per accident |
| Utah | $25k bodily injury liability per person $65k bodily injury liability per accident $15k property damage liability per accident $3k personal injury protection |
| Texas, North Carolina | $30k bodily injury liability per person $60k bodily injury liability per accident $25k property damage liability per accident |
| Connecticut | $20k bodily injury liability per person $40k bodily injury liability per accident $10k property damage liability per accident $20k uninsured/underinsured motorist coverage per person $40k uninsured/underinsured motorist coverage per accident |
| Kansas, Wisconsin | $25k bodily injury liability per person $50k bodily injury liability per accident $10k property damage liability per accident $25k uninsured/underinsured motorist coverage per person $50k uninsured/underinsured motorist coverage per accident |
| WA, District of Columbia | $25k bodily injury liability per person $50k bodily injury liability per accident $10k property damage liability per accident $25k uninsured/underinsured motorist coverage per person $50k uninsured/underinsured motorist coverage per accident $5k uninsured/underinsured |
| Illinois | $25k bodily injury liability per person $50k bodily injury liability per accident $20k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident |
| Massachusetts | $30k bodily injury liability per person $60k bodily injury liability per accident $15k property damage liability per accident $20k uninsured motorist coverage per person $40k uninsured motorist coverage per accident $8k personal injury protection |
| Missouri | $30k bodily injury liability per person $60k bodily injury liability per accident $10k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident |
| Nebraska, South Dakota | $25k bodily injury liability per person $50k bodily injury liability per accident $25k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident |
| Alaska | $50k bodily injury liability per person $100k bodily injury liability per accident $25k property damage liability per accident |
| Oregon | $25k bodily injury liability per person $50k bodily injury liability per accident $20k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident $15k personal injury protection |
| Minnesota | $25k bodily injury liability per person $50k bodily injury liability per accident $10k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident $40k personal injury protection |
| South Carolina, West Virginia | $25k bodily injury liability per person $50k bodily injury liability per accident $25k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident $25k uninsured motorist property damage coverage |
| North Dakota | $25k bodily injury liability per person $50k bodily injury liability per accident $25k property damage liability per accident $25k uninsured/underinsured motorist coverage per person $50k uninsured/underinsured motorist coverage per accident $30k personal injury protection |
| Vermont | $25k bodily injury liability per person $50k bodily injury liability per accident $10k property damage liability per accident $50k uninsured motorist coverage per person $100k uninsured motorist coverage per accident $10k uninsured motorist property damage coverage per accident |
| Maine | $50k bodily injury liability per person $100k bodily injury liability per accident $25k property damage liability per accident $50k uninsured motorist coverage per person $100k uninsured motorist coverage per accident $2k medical payments coverage |
| New York | $25k bodily injury liability per person $50k bodily injury liability per accident $50k liability for death per person $100k liability for death per accident $10k property damage liability per accident $50k personal injury protection $25k uninsured motorist coverage per person $50k underinsured motorist coverage per accident |
Remember that the minimum amount of coverage isn’t enough to protect you adequately. Thankfully, Cincinnati Insurance offers comprehensive coverage that can keep you street-legal and safe.
Read more: What does car insurance cover?
Enter your ZIP code below to view companies that have cheap insurance rates.
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What You Need to Know About the Cincinnati Insurance Company
The Cincinnati Insurance Company has various insurance products to protect drivers and business owners. It is a highly rated company, making it a good choice for discerning consumers. While Cincinnati Insurance sells nearly every insurance type, it doesn’t offer renters insurance products.
If you need renters insurance, you can shop online to find an insurance company that better suits your needs.
Enter your ZIP code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.