Cigna Auto Insurance Review (2024)

Cigna auto insurance reviews make clear that the company doesn't write car insurance. Cigna is a major health insurance company with 180 million customers in more than 30 countries. Some health plans may cover auto accident injuries.

UPDATED: Feb 26, 2024Fact Checked

Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

UPDATED: Feb 26, 2024Fact Checked
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Cigna

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Some car accident-related injuries may be covered under a Cigna health plan
  • Cigna is a global life and health insurance company

Cons

  • Currently, Cigna doesn’t offer any sort of auto insurance

Final Verdict: Review of Cigna

If you’re still considering or have Cigna health insurance under your employer, it’s best to seek out your auto insurance plan from a third-party insurance company especially if you need auto insurance today. As mentioned previously, partnerships with auto insurance companies offering discounted rates may occur, but on the whole, it doesn’t look like Cigna is changing its business strategy anytime soon.

Cigna has been a global health care and life insurance institution for more than 225 years. The company’s current form is the result of a merger between the Insurance Company of North America (INA) and the Connecticut General Corporation (CG). Today known only as Cigna, the insurance company continues its legacy of providing innovative health and life insurance options while expanding its reach globally. In 1982, CG and INA announced the merger of their operations and health insurance businesses, and Cigna was born.  In 1990, Cigna acquired EQUICOR and became the sixth-largest provider of employee benefits in the U.S., a merger that greatly expanded Cigna’s already extensive network of health plans.

What You Should Know About Cigna

Insurance companies like Cigna offer group health and life insurance packages through employers at discounted group rates. If you’re in this select group of employees receiving health care through Cigna insurance, you might be wondering if it’s possible to avoid the hassle of comparing cheap auto insurance from the best auto insurance companies.

But how can you determine if Cigna auto insurance is available to add to your existing health insurance policy? And if so, are coverage options good or is Cigna bad insurance regarding automotive coverage? How much is Cigna insurance per month? The short answer is that there is no option for Cigna car insurance, but we’ll give you all the details you need below.

Before you begin our Cigna auto insurance review, check out our free online quote option. Type in your ZIP code, and we’ll guide you. Before you know it, you’ll have a list of detailed quotes for auto insurance policies available in your area. It’s that simple.

Does Cigna sell auto insurance?

First and foremost, to answer many a motorist’s question, does Cigna offer auto insurance?

Unfortunately, no; Cigna does not currently sell auto insurance. The company’s focus for over 200 years has been and remains primarily on health and life insurance. It seems to have no immediate plans to expand into different types of insurance, like automotive.

How good is Cigna health insurance?

A brief overview of the Cigna reviews yelp provides would suggest that the insurance company may have reliable healthcare options with unreliable customer service standards; customer responses are underwhelming, to put it mildly, and reports of Cigna problems resulted in a 1-star rating of the company.

It’s also important to note that most individuals only go on Yelp to report complaints, so this forum may be biased toward reporting only the discontent policy members. And to be fair, Cigna’s Yelp rating is on par with the top competitor Aetna’s insurance reviews on Yelp.

As proof positive of this potential bias, the US Health Cigna PPO reviews from the Better Business Bureau (BBB), a watchdog organization that rates customer service standards on a local level, rated the Cigna operated Health plan with an A+.

The Cigna dental insurance reviews, a coverage option that not all healthcare plans cover, are also mostly positive, with ConsumerReports.org rating Cigna 84 out of 100 for overall consumer satisfaction. On the international scale, though, consumer reports rate Cigna health insurance reviews in the UK with a much lower satisfaction rate of 1 out of 5 stars.

On the domestic soil, it does seem that according to ConsumerReports.org that Cigna is neck and neck compared to the United Healthcare reviews. Like most insurance companies, it seems that Cigna has plans to provide good insurance options, but particular instances have rubbed some policyholders the wrong way.

Regarding auto insurance, it’s possible that Cigna may initiate partnerships with other insurance companies to offer discounts on auto insurance plans. A Cigna WebMD partnership is underway to offer CignaPlus dental savings to needy families and individuals and a co-aligned online patient portal for policyholders to view Cigna health benefits through the WebMD site.

So, there is a precedent for company partnership. However, this is just hypothetical, so if you need an auto insurance policy right now, you will need to purchase one from a different company. Don’t hold your breath waiting for the Cigna automobile insurance company to form.

Where is Cigna located?

The primary Cigna insurance address is located at the following address:

Cigna Corporate Headquarters
900 Cottage Grove Road
Bloomfield, CT 06002

Does Cigna have agents?

Cigna has agents in the form of brokers or consultants. Cigna’s health insurance brokers are there to meet your unique needs as a policyholder and are invested in providing quality customer service. The company’s A+ rating from the Better Business Bureau is evidence of its high-quality support team.

Cigna also received a favorable report from J.D. Power, a product and consumer review company, earning 704 points out of a possible 1,000 on its consumer review report on health care. This score placed Cigna in the top four of J.D. Power’s list of best health insurance companies.

Customer service representatives can discuss finding an agent/broker near you by calling the Cigna insurance phone at  1-800-997-1654.

Although Cigna does not offer auto insurance plans to bundle with your health care plan, you can find estimates from multiple auto insurance companies using our free online search tool.

All you have to do is type in your ZIP code, and we’ll take care of the rest, helping you find the most affordable auto insurance plans in your area.

How do I file a claim with Cigna?

Although Cigna does not offer online claims filing for auto insurance, it does provide this option for health and life insurance policyholders.

But does Cigna cover auto accidents? The answer to this can be yes or no.

The are many reasons to file your auto accident claim online, speed and efficiency being the top, but payment for any injuries incurred during an auto accident will have to be decided between Cigna health and the third-party auto insurance company of either driver.

For the most part, Cigna’s health or life insurance claims process is conducted entirely online. Even Cigna dental insurance claims, a coverage option generally outsourced to a third party, can be conducted online through the Cigna claim portal.

To submit a claim, Cigna members, both individual policyholders and health care providers, are encouraged to use its Electronic Data Interchange (EDI), found on the company’s website.

Not to be confused with its innovative Cigna WebMD portal, the EDI helps policyholders file, track, and receive payments online in a timely manner.

The company’s website recommends filing claims as soon as possible to receive prompt payment, and the best way to avoid snags in the claims process is by filing online. If you have questions or issues with the online process, email the Cigna online claims department at [email protected] for more information.

If your claim is denied, Cigna also offers an option to appeal a denied claim through the online EDI portal.

The claims process and filing online can be difficult for retirees; whether it be filing claims for Cigna life insurance or a third-party auto insurance policy for retirees, the internet is not always the most convenient or accessible option.

For those who prefer filing by paper, Cigna still offers the option to file a claim by mail, with the caveat that doing so can prolong the process. For most paper-filed claims, you will need to complete the following three steps:

  1. Download and print the claim form from the Cigna website.
  2. Print and complete the form.
  3. Mail the completed claim form to the appropriate office address found on Cigna’s website.

Each type of claim — dental, life, health, etc. — will involve different forms and should be mailed to the appropriate address for that particular type of claim.

How do I get a quote from Cigna?

On its website, Cigna offers online quote options for individual and group employer health and life insurance plans. Although there is no Cigna auto insurance phone number, potential clients can also call Cigna to discuss coverage options at 1-866-621-8181; service representatives are available at the Cigna insurance phone number Monday – Friday 8:00 a.m. – 8:00 p.m. EST.

Customer service representatives can answer many questions regarding how Cigna Healthcare plans compare with top competitors. Questions like which one is better, Aetna or Cigna? Or is Cigna better than Blue Cross Blue Shield? Answers, although most definitely biased, will help you, as a potential policyholder, make the best-informed decision when purchasing your healthcare plan.

Even though Cigna does not offer auto insurance, you can still get a local estimate for your car insurance by trying out our free online quote option below. All you have to do is type in your ZIP code to receive detailed quotes from multiple auto insurance companies in your area. It’s that simple.

Cigna History

Cigna has been a global healthcare and life insurance institution for over 225 years. The company’s current form results from a merger between the Insurance Company of North America (INA) and the Connecticut General Corporation (CG). Today known only as Cigna, the insurance company continues its legacy of providing innovative health and life insurance options while expanding its reach globally.

In 1982, CG and INA announced the merger of their operations and health insurance businesses, and Cigna was born.  In 1990, Cigna acquired EQUICOR and became the sixth-largest provider of employee benefits in the U.S., a merger greatly expanding Cigna’s already extensive network of health plans.

Today, Cigna represents more than 180 million customer and patient relationships in more than 30 countries.

The U.S. Census Bureau’s 2018 report on health insurance coverage in the U.S. shows that close to 70 percent of the population is covered by private insurance, and over 30 percent are covered by the public; Cigna provides healthcare plans primarily in the 70 percent of the private sector but also maintains some government employee contracts for health insurance as well.

The company holds an A (excellent) rating from A.M. Best, the insurance industry’s number-one credit ranking agency. This means that Cigna is financially viewed as a stable investment and is more than capable of paying out insurance claims today and soon.

Consumers also view Cigna’s customer service and products favorably. The Better Business Bureau (BBB), a consumer watchdog organization, has consistently given the insurance company an A+ rating. This means that complaints about Cigna are minimal, and most problems policyholders have are resolved quickly and satisfactorily.

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Cigna Insurance Rates Breakdown

Below we will provide the average auto insurance rates across all 50 states. These rates will provide a baseline as you search for auto insurance and compare quotes:

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How Cigna Ranks Among Providers

Consumers also view Cigna’s customer service and products favorably. The Better Business Bureau (BBB), a consumer watchdog organization, has consistently given the insurance company an A+ rating. This means that complaints about Cigna are minimal, and most problems policyholders have are resolved quickly and satisfactorily.

Frequently Asked Questions

What is Cigna Auto Insurance?

Cigna Auto Insurance is an insurance company that offers coverage for automobiles. It provides various types of policies to protect drivers and their vehicles from financial loss due to accidents, theft, or other incidents.

Is Cigna Auto Insurance a reputable company?

Yes, Cigna Auto Insurance is a reputable company. Cigna is a well-known global health services organization that has been operating for over 200 years. While it is primarily recognized for its health insurance services, its auto insurance division upholds the same standards of reliability and customer satisfaction.

What types of coverage does Cigna Auto Insurance offer?

Cigna Auto Insurance offers a range of coverage options, including:

  • Liability coverage: Provides financial protection if you are responsible for causing injuries or property damage to others in an accident.
  • Collision coverage: Pays for damages to your own vehicle caused by a collision with another vehicle or object.
  • Comprehensive coverage: Covers damages to your vehicle resulting from incidents other than collisions, such as theft, vandalism, or natural disasters.
  • Personal injury protection (PIP): Covers medical expenses and lost wages for you and your passengers, regardless of fault.
  • Uninsured/underinsured motorist coverage: Protects you if you are involved in an accident with a driver who has insufficient or no insurance coverage.

How can I get a quote for Cigna Auto Insurance?

To obtain a quote from Cigna Auto Insurance, you can visit their official website or contact their customer service. They will ask you for relevant information about yourself, your vehicle, and your driving history to provide an accurate quote based on your specific circumstances.

Are there any discounts available with Cigna Auto Insurance?

Yes, Cigna Auto Insurance offers various discounts that can help you save on your premiums. These discounts may include:

  • Multi-policy discount: If you have multiple insurance policies with Cigna (e.g., auto and home insurance), you may qualify for a discount.
  • Safe driver discount: If you have a clean driving record with no recent accidents or traffic violations, you may be eligible for a discount.
  • Good student discount: Full-time students with good academic records may be eligible for a discount.
  • Anti-theft device discount: If your vehicle is equipped with anti-theft devices or security features, you may qualify for a discount.

How can I file a claim with Cigna Auto Insurance?

In the event of an accident or other covered incident, you can file a claim with Cigna Auto Insurance by contacting their claims department. You will need to provide details about the incident, such as the date, time, location, and description of what happened. The claims representative will guide you through the process and help you with any necessary documentation.

Can I manage my policy online with Cigna Auto Insurance?

Yes, Cigna Auto Insurance offers online policy management through their website. You can access your policy, make payments, view policy documents, and make changes to your coverage or personal information conveniently using their online portal.

How is the customer service at Cigna Auto Insurance?

Cigna Auto Insurance strives to provide excellent customer service. They have a dedicated customer service team available to answer your questions, assist with claims, and address any concerns you may have. You can reach their customer service representatives via phone, email, or through their online contact channels.

Is Cigna Auto Insurance available nationwide?

Cigna Auto Insurance operates in many states across the United States. However, availability may vary depending on your location. It is advisable to check with Cigna or use their online tools to determine if they offer coverage in your area.

How can I cancel my Cigna Auto Insurance policy?

If you wish to cancel your Cigna Auto Insurance policy, you should contact their customer service department. They will guide you through the cancellation process and inform you about any applicable fees or requirements. It is important to note that canceling a policy prematurely may result in the loss of any premium already paid.

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Average Monthly Auto Insurance Rates by State