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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Quh3sAv3U9XOzK2kcE+1b6e2xKAJNnW1uyLcu3N7NP3jkqRlnxMqEm3zT51eKsEJ
 pGxRxcZfBjmJP5GdqQqqHw==

<SEC-DOCUMENT>0001231300-04-000002.txt : 20040121
<SEC-HEADER>0001231300-04-000002.hdr.sgml : 20040121
<ACCEPTANCE-DATETIME>20040121125920
ACCESSION NUMBER:		0001231300-04-000002
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040119
FILED AS OF DATE:		20040121

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CINCINNATI FINANCIAL CORP
		CENTRAL INDEX KEY:			0000020286
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				310746871
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		6200 S GILMORE RD
		CITY:			FAIRFIELD
		STATE:			OH
		ZIP:			45014
		BUSINESS PHONE:		5138702000

	MAIL ADDRESS:	
		STREET 1:		6200 SOUTH GILMORE ROAD
		CITY:			FAIRFIELD
		STATE:			OH
		ZIP:			45014-5141

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BAHL WILLIAM F
		CENTRAL INDEX KEY:			0001231300

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-04604
		FILM NUMBER:		04534489

	BUSINESS ADDRESS:	
		STREET 1:		C/O CINCINNATI FINANCIAL CORP
		STREET 2:		PO BOX 145496
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			45250-5496
		BUSINESS PHONE:		5138702662

	MAIL ADDRESS:	
		STREET 1:		C/O CINCINNATI FINANCIAL CORP
		STREET 2:		PO BOX 145496
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			45250-5496
</SEC-HEADER>
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<TYPE>4
<SEQUENCE>1
<FILENAME>c0001231300d20040121f4f.xml
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<ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2004-01-19</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000020286</issuerCik><issuerName>CINCINNATI FINANCIAL CORP</issuerName>        <issuerTradingSymbol>CINF</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001231300</rptOwnerCik><rptOwnerName>BAHL WILLIAM F</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>6200 SOUTH GILMORE RD</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>FAIRFIELD</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>45014-5141</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle></officerTitle><otherText></otherText></reportingOwnerRelationship></reportingOwner><nonDerivati
veTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2004-01-19</value></transactionDate><deemedExecutionDate><value>2004-01-19</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>1404</value></transactionShares><transactionPricePerShare><value>42.715</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>160951</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeTransaction>
<nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>15294</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>SPOUSE</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>8001</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>FOUNDATION-STREET</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1200</value></sharesOwnedFollowingTransaction></postTransac
tionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>BAHL &amp; GAYNOR PROFIT SHARING PLAN</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable></derivativeTable><footnotes></footnotes><ownerSignature><signatureName>WILLIAM F BAHL</signatureName><signatureDate>2004-01-21</signatureDate></ownerSignature></ownershipDocument>

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