Car insurance in Ohio, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Ohio car insurance coverage isn't just something that drivers in the "Buckeye State" should have; it's something they
have.
Ohio auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Ohio, you need auto insurance in Ohio. Here's what kind and how much, according to Ohio state law:
Browse Ohio auto insurance rates online
If you need Ohio auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Ohio, they offer a fast and convenient way to research and compare premiums.
I recommend: Get comprehensive online quotes from Ohio car insurance providers at websites like
InsWeb,
Insurance.com,
InsuranceUSA and
InsuranceFinder, or from companies like
Progressive and
Esurance, which quote both their own and competitors' rates.
Solicit Ohio car insurance quotes from national providers
Most major car insurance carriers offer auto insurance in Ohio and all provide competitive Ohio auto insurance rates.
I recommend: Among the largest and most popular car insurance companies in Ohio are
AIG,
Allstate,
Chubb,
Farmers,
GEICO,
The Hartford,
Liberty Mutual and
State Farm. National associations like
AAA and
AARP are also good sources for affordable auto insurance in Ohio.
Get car insurance in Ohio from local and regional companies
In Ohio, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
I recommend: For automotive insurance in Ohio, try Ohio-based companies like
Ohio Mutual Insurance Group,
Wayne Mutual Insurance Company and
Safe Auto Insurance Company. Also consider local programs, like the
Ohio Automobile Insurance Plan, which is designed for drivers who can't easily find auto insurance in Ohio.
Use an independent agent to find Ohio car insurance bargains
Buying car insurance in Ohio via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend: To find an independent agent who can sell you car insurance in Ohio, use the “find an independent agent” feature at the
Independent Insurance Agents of Ohio website.
Choose Ohio auto insurance companies that you can trust
Before doing business with Ohio car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend: If you subscribe to
Consumer Reports, you can check up on car insurance companies in Ohio. Another good resource is the
Ohio Department of Insurance, which licenses
auto insurance companies in Ohio and compiles statistics on
complaints against them.
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