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Ohio Auto Insurance Company

ohio auto insurance companyWhen looking for an Ohio Auto Insurance Company, there are a lot of options. There are hundreds of companies to choose from. Even though you are not formally required in Ohio to use an auto insurance company, you must show Financial Responsibility (FR) for your car. This is to cover you in compensating others if you, or another driver of your car, are found to be at fault in an accident.

There are several ways to show FR, but most involve tying up large amounts of equity, something that many people do not have. Therefore the great majority of people in Ohio opt for using an auto insurance company and getting at least liability coverage.

Use our free comparison tool at the top of the page to compare the best Ohio car insurance companies side by side for free!

Ohio Auto Insurance Companies Suggest Carrying Sufficient Coverage

It is important to make a wise decision about the amounts of coverage and types of coverage to carry on your car insurance. To do so, you should understand what your options are and why you should carry them.

  1. Liability: This is the coverage which will pay for damage to others’ vehicles and property and for their physical injuries should you be found liable in an accident. This is what will show your Financial Responsibility in the state of Ohio. To meet the minimum requirements you must purchase Bodily Injury liability of $12,500 per person, $25,000 per accident and Property Damage liability of $7,000 per accident.
  2. Uninsured/Underinsured Motorist: This covers you in case of being involved in an accident with someone who does not have insurance or does not have enough insurance. It will pay for your medical expenses, pain and suffering and lost wages. The Ohio Department of Insurance estimates that around 20 percent of people are uninsured and more are underinsured, so your chances of being involved in an accident and needing UM/UIM coverage is not as small as you would like.
  3. Comprehensive: This covers your vehicle in case of fire, theft, vandalism or other named perils. If you have a lien on your vehicle, the lender usually obliges you to carry comprehensive coverage. With no lien, buying this coverage would depend on the value of the car.
  4. Collision: This takes care of the cost of repairing your vehicle should it be damaged in an accident or some other type of impact where you are at fault. It is the other type of coverage required by a lienholder of your vehicle. If you own the vehicle free and clear, but it is older or has a low remaining value, you may not want to purchase collision coverage.
  5. Medical Payments: This is coverage for you and your passengers in case of injuries, regardless of who is liable. It is for up to a pre-set amount.
  6. Other Coverage: Each company that offers auto insurance likes to do so in a slightly different way. Many of them offer coverage for rental car reimbursement, towing and labor costs to get a car mobile and more. These may be included free of cost on your policy or may cost a little extra. Some companies will also do Replacement Cost Benefits on Comprehensive and Collision coverage for vehicles that are leased or under 1 year old. This is a very attractive type of policy perk also. Read your policy carefully to learn what and what is not covered.

Recourse If No Ohio Auto Insurance Company Will Insure You

The state of Ohio has a program in place that guarantees you auto insurance if you can not find it anywhere else. For high-risk drivers that may be the case. Even though there are some insurance companies in Ohio who specialize in insuring high-risk drivers, in some cases you may still be rejected. However, check thoroughly because the Ohio Automobile Insurance Plan will probably be more costly than the other high-risk companies would be.

An Ohio Auto Insurance Company Listing

Amongst the many insurance companies offering car insurance in the Buckeye State are:

  • 21st Century Insurance
  • AIG Casualty
  • Allstate Insurance
  • Balboa Insurance
  • Bristol West Casualty Insurance
  • Encompass Home & Auto Insurance
  • Farmers Automobile Insurance Association
  • Geico
  • Great American Insurance
  • Infinity Auto Insurance
  • Metropolitan General Insurance
  • Progressive Direct Insurance
  • Safe Auto Insurance
  • State Farm Mutual Automobile Insurance
  • Universal Fire & Casualty Insurance

Contact An Ohio Auto Insurance Company Today!

Now that you are familiar with the offerings of the Ohio Auto Insurance Companies, check out our quote tool at the top of this page and get multiple quotes from top Ohio insurers in minutes. Get started finding Ohio car insurance now!

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