Auto Insurance Comparison
Cincinnati Insurance vs The General
Side-by-side comparison of Cincinnati Insurance vs The General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Cincinnati Insurance comes out clearly ahead The General in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Cincinnati Insurance | The General | |
|---|---|---|
| Overall score | 4.05 /5 ★★★★★ Highest overall | 3.25 /5 ★★★★★ |
| Best for | Cincinnati Insurance is one of those carriers your independent agent might recommend if you're shopping for more than just the cheapest rate | The General writes non-standard auto insurance for drivers who can't easily get coverage from mainstream carriers |
| Read full review | Cincinnati Insurance review → | The General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Cincinnati Insurance | The General |
|---|---|---|
| Customer experience | 4.40 | 3.00 |
| Coverage breadth | 4.30 | 3.00 |
| Affordability | 3.50 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Cincinnati Insurance
Full review →Pros
- Strong claims-handling reputation across personal and commercial lines
- Deep coverage menu including high-value items and specialty risks
- Independent agent distribution — agents shop multiple carriers for you
- Consistent customer-satisfaction scores in the upper tier
Cons
- Those who shop online for car insurance quotes
- Customers looking for discounts
The General
Full review →Pros
- Strong specialization in non-standard risk — accepts drivers others reject
- Quick online quotes including SR-22 filings
- Available in 45 states, broader than most non-standard competitors
- Affordable for high-risk profiles that mainstream carriers price out
Cons
- Customer satisfaction and claims experience trend below industry averages
- Standard-risk drivers will pay more here than at mainstream carriers
- Coverage menu is intentionally minimal — limited add-on options
Coverage at a glance
What each carrier offers in standard policies.
Cincinnati Insurance
The General
The bottom line
Cincinnati Insurance
Cincinnati Insurance is a quiet standout — if you already work with an independent agent, ask them to include it in your comparison set. If you prefer to shop online, look elsewhere.
Read the full Cincinnati Insurance reviewThe General
If you've been denied by mainstream carriers or need SR-22 filing, The General is a legitimate option. If you're a standard-risk driver, you're paying for risk pooling you don't need — get quotes from GEICO and Progressive first.
Read the full The General reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.