If you’re looking to buy car insurance in Ohio, you have plenty of companies to choose from. Here are some leaders.
The state of Ohio requires all licensed drivers to assure “financial responsibility” in case they cause a car accident. The most common way drivers in Ohio meet that obligation is through purchasing car insurance. Ohio enjoys some of the lowest car insurance rates in the country and as such, attracts many national and regional car insurance companies. If you are considering selecting coverage from an Ohio car insurance provider, here’s a survey of some of the state’s leaders:
Amica
Amica is the oldest mutual car insurance company in the country. The company consistently ranks highest among Ohio drivers for affordability, coverage options, customer and claims service. Ohio drivers can get all lines of car insurance coverage from Amica plus its Platinum Choice Auto policy, which offers:
- Accident forgiveness
- Rental coverage
- Glass breakage coverage
- Identity theft/fraud monitoring
For a complete description of the car insurance coverage and discount options available through Amica, click here.
Erie Insurance
Founded in 1925, this company started as Pennsylvania auto insurance provider. It now offers car insurance products and services in 11 states and the District of Columbia. Ohio drivers rank the company high for customer service and for claims handling. It also receives a 4 out of 5 for overall customer satisfaction from JD Power & Associates. In addition to offering an online, 12-month rate quote service, the company has an impressive array of discounts for Ohio drivers who qualify, including:
- Safe driver discounts
- Multi-car coverage discounts
- Senior driver (age 55 or over) discounts
- Safety feature discounts (e.g. passive restraints, anti-theft devices, anti-lock, brakes, etc.)
- Multi-policy (bundling) discounts
- Longevity discounts
- Youthful driver discount program (including training and support for young drivers)
- Auto accident prevention course completion discounts
- College student discounts
- Good grades student discounts
- Driver training/defensive driver classes discounts
- Reduced usage discounts
For a full description of car insurance coverage programs and services, click here.
American Family
This company is another favorite among Ohio drivers. It ranks well for value and affordability. It consistently receives very high marks for customer service and claims handling. In addition to a full range of coverage options and limits, it offers numerous discounts, including:
- Bundling auto, home, life discount
- Air bag discount
- Multiple vehicle discount
- Accident free discount
- Good student discount
For complete details on American Family car insurance coverage options, click here.
Auto-Owners Insurance
Another large regional provider that scores well with Ohio drivers. Auto-Owners was founded in 1916 in Michigan as an offshoot to the early auto industry leaders. The company now sells car insurance in 26 states. Affordability and reliability are the top reasons Ohio drivers give for ranking the company high in annual surveys and perhaps the company’s No Problem® claims service is one reason.
For a full description of the car insurance programs available to Ohio drivers, click here.
AAA Ohio
This membership-based auto service club receives its highest rankings for its customer service and additional programs such as roadside assistance and travel discounts. Ohio drivers rank it among the most expensive for car insurance rates in the state, though it does have an impressive renewal and retention rate. It offers a wide range of possible discounts for members including:
- Accident Forgiveness
- Safety device discounts
- AAA member and member loyalty discounts
- Multi-car discounts
- Multi-policy discounts
- Good student discounts
- TeenSmart discounts
- Pay-in-full discounts
For a full listing of the products and services available from AAA Ohio, click here.
State Farm
While State Farm only receives mid-range rankings from Ohio drivers, the company does have the single largest market share of car insurance coverage in the state. In addition to offering the full menu of car insurance coverage options, State Farm has an impressive number of discounts that Ohio drivers can apply for:
- Multi-car discounts
- Multi-line (bundling) discounts
- Good student discounts (for high school and college students who maintain good grades)
- Good driving discounts (for drivers who go at least three consecutive years without an accident or moving violation)
- Defensive driving/safe driver training class discounts
- Teen safe training discounts
State Farm also has a relatively new feature, its Pocket Agent® mobile app that allows customers to file claims and pay insurance premiums on the go. In the event of an accident, the app can also serve as proof of insurance.
For a complete description of the car insurance policy options available from State Farm, click here.
When considering car insurance coverage in Ohio, these are some good companies to start with and getting multiple quotes for your coverage options is always a good idea. So is having an experienced and reliable agent in your corner. Reply! can connect you to a local insurance professional with knowledge of the Ohio market who can make sure you have the car insurance coverage best suited for your needs.