Honest Policy Logo
Celina logo

Celina Car Insurance

Smart Score

82

Industry Average: 75

Smart Score

82
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

10
/10

Industry Average: 8

Value for Price

7
/10

Industry Average: 7

Celina Overview

Celina Insurance Group was founded in 1914 when the company could only write automobile fire insurance. While Celina Insurance Group is still headquartered in Celina, OH, the company has grown vastly over more than 100 years and now offers multiple insurance products across six states: Ohio, Indiana, Tennessee, Iowa, Kentucky and West Virginia. The agency offers a wide variety of options on auto insurance, home insurance, business, and farm insurance through independent agents and policyholders.

Lines of Business:

Celina Ratings Breakdown

Smart Score

82

Celina: 82
Industry Average: 75
Celina: 82
Industry Average: 75

Why our Smart Score matters

Celina’s Smart Score of 82 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Celina’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 82, Celina rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.7

Celina: 7.7
Industry Average: 7.7
Celina: 7.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Celina’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Celina’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Celina’s service score of 7.7, they have a decent rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

10

Celina: 10
Industry Average: 8
Celina: 10
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Celina. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Celina handles it.


Celina’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Celina.


What does this mean for you?

Evident from a claims score of 10, Celina has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

7

Celina: 7
Industry Average: 7
Celina: 7
Industry Average: 7

Celina’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Celina comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Celina’s value for price score of 7 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Celina Auto Official Complaints

Official Complaints

Worse than average

Tracks how many more or less official complaints Celina has than average. With an index of 100 Celina is worse than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Celina has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Celina has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 100 Celina is worse than average.

Celina Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Celina

Available OptionsWhat it meansSee something wrong?
Incident Forgiveness

Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident.

Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Gap Insurance

Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

Glass Coverage

Protects the cost of fixing or replacing a broken windshield.

Celina availability in these states

Celina Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Celina has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

Paid in Full

Because of the time value of money, it's better to recieve a lump sum now than the same amount in the future. Thus, savings can be offered to drivers who provide the full payment now versus those who pay over the course of the policy.

Organization or Group Affinity

Many insurers partner with various organizations to offer discounts to these group's members. These include alumni associations, fraternities and soroities, credit unions, vocational organizations, and others such as the Peace Corps, National Geographic Society, Mensa, and more.

Compare

How does Celina compare to other insurance companies? Click the following links below to compare Celina to other top insurance companies.

Celina logo
Vs

Other carriers