Cincinnati Insurance Companies vs State Farm Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Cincinnati Insurance Companies
64
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Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

Cincinnati Insurance Companies VS State Farm
64
88
What is this?
User Ratings
OptionsCincinnati Insurance Companies State Farm
Rating/Reviews
7 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsCincinnati Insurance Companies State Farm
Insurer Website--The rest
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsCincinnati Insurance Companies State Farm
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--About average
Overall Satisfaction--About average
Rental Experience--About average
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionCincinnati Insurance Companies State Farm
California--813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central847 pt
Among the best
840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionCincinnati Insurance Companies State Farm
Android
3 Reviews
12,082 Reviews
iOS--
288 Reviews
Financial Ratings
OptionsCincinnati Insurance Companies State Farm
A.M. BestA+A++
FitchA1--
Moody'sA+Aa1
Standard & Poor'sA+AA

Auto Insurance Quotes

For Married Drivers

CityCincinnati Insurance Companies State Farm
Austin--$52
Chicago$85$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityCincinnati Insurance Companies State Farm
Austin--$54
Chicago$87$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityCincinnati Insurance Companies State Farm
Austin--$52
Chicago$83$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityCincinnati Insurance Companies State Farm
Austin--$54
Chicago$89$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityCincinnati Insurance Companies State Farm
Austin--$66
Chicago$142$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityCincinnati Insurance Companies State Farm
Austin--$50
Chicago$74$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityCincinnati Insurance Companies State Farm
Austin--$56
Chicago$85$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityCincinnati Insurance Companies State Farm
Austin--$50
Chicago$77$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityCincinnati Insurance Companies State Farm
Austin--$52
Chicago$122$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityCincinnati Insurance Companies State Farm
Austin--$60
Chicago$98$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityCincinnati Insurance Companies State Farm
Austin--$58
Chicago$88$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityCincinnati Insurance Companies State Farm
Austin--$52
Chicago$86$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityCincinnati Insurance Companies State Farm
Austin--$42
Chicago$71$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeCincinnati Insurance Companies State Farm
Good CreditUp to 54%Up to 80%
Student Away at SchoolUp to 47%Varies
Multiple VehicleUp to 31%Up to 20%
Good DriverUp to 25%Up to 25%
Anti-Theft DeviceUp to 15%Up to 15%
Multiple PolicyUp to 11%Up to 17%
Good StudentUp to 10%Up to 25%
Accident FreeVariesUp to 15%
DeductibleVaries--
More Vehicles Than DriversVaries--
Anti-lock Brake--Up to 20%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Up to 5%
Driving Habits--Up to 30%
Driving training--Varies
Home Owner--Varies
Low Mileage--Up to 10%
Loyalty--Varies
Mature driver--Varies
Military--Varies
New Car--Up to 40%
Passive Restraint--Up to 40%
Senior Adult--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typeCincinnati Insurance Companies State Farm
Automatic Online Payment
--yes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments --yes
Electronic Check
--yes
In Person Payment
--yes
Mail Payment
--yes
Mobile App Payments
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesCincinnati Insurance Companies State Farm
24/7 serviceyesyes
Enhanced towing & substitute coverage--yes
Flexible / convenient payments--yes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesCincinnati Insurance Companies State Farm
Accidental Death, Dismemberment, Disability
yesyes
Airbag Replacement Coverage
yes--
Antique or Collector Car Insurance
yesyes
Child Safety Seat Replacement
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
Gap Insurance
yes--
Glass Coverage yesyes
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
Personal Auto Plus
yes--
Personal/Upgraded Item Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Umbrella Policy
yes--
Vanishing Deductible
yes--

Insurance by State

Uber and Lyft driver insurance

  • Cincinnati Insurance Companies
  • State Farm
  • Both

Compare Insurance Products

ProductCincinnati Insurance Companies State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyesyes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Cincinnati Insurance Companies Reviews
  • State Farm Reviews
2.9
5 Stars
29 %
4 Stars
14 %
3 Stars
14 %
1 Star
43 %

Most Positive Review

By George
Good service

Most Critical Review

By Gail Eaton
I have had this insurance company for about 3 years. Last year my rates went up $104.00 due to rate increase. This year they were going to raise it $139.00 due to underperforming issues on their part and a decrease in my insurance rating. I have no tickets, no accidents, excellent credit and low mileage on a car that is five years old. They can keep their insurance. I am going with another company.

All Reviews

Showing 1 - 7 out of 7 Reviews
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Read reviews that mention

Eric Levy
MasterCard
Maria Cheatham
Visa
Charlie Peacher
I’ve had you guys for 12 years. Paid my bill on time, every time. Got maybe 1 speeding ticket in that time frame. I got in a very bad accident that was NOT my fault almost 3 years ago (proven in court) and you guys decide to 1. Not tell me that you found me no guilty until 2 and a half years go by. 2. Pay the other person 40,000 dollars when the accident was not my fault. 3. Raise my rates after the 2 and a half years goes by (how I found out about the payout in the first place) 4. The grand finale! You guys drop me. I am completely heartbroken on how unprofessional you guys handled this situation. I wish there was anything good to say but there isn’t. I got a call today saying “if you don’t switch by today, you’re going to have a $150/day fine (when I just paid a 450 dollar bill LAST month) the worst customer service, terrible people to go into business with. I’ll make sure anytime the word “car” or “insurance” comes out of my mouth every one of my customers in my line of business knows how badly you guys handled this.
Gail Eaton
I have had this insurance company for about 3 years. Last year my rates went up $104.00 due to rate increase. This year they were going to raise it $139.00 due to underperforming issues on their part and a decrease in my insurance rating. I have no tickets, no accidents, excellent credit and low mileage on a car that is five years old. They can keep their insurance. I am going with another company.
JIASONG
George
Good service
William

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.