Comprehensive Review of Cincinnati Insurance Company
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Mar 30, 2022
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Here’s the Scoop
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.
Enter your ZIP code below to view companies that have cheap insurance rates.
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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
StatesAverage 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
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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:
StatesCoverage 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
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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.
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.
