Ohio Auto Insurance Companies

Finding Ohio auto insurance companies that you trust to insure your vehicle requires research, understanding of the available and required types of coverage, and the knowledge of what companies are operating within the state.

Use our free Ohio auto insurance quote finder now to compare quotes from top Ohio car insurance companies side by side.

Ohio Auto Insurance Coverage Options

• Bodily Injury coverage is required by the state of Ohio to be carried at $12,500 per person/ $25,000 per accident. This coverage pays for medical bills for the passengers of the opposite vehicle if you cause an at-fault accident.
• Property Damage coverage is also required by the state of Ohio to be carried at a limit of $7,500 per accident. This coverage will pay to repair the damages to the other vehicle (and in some cases other property damage) if you cause an at-fault accident.
• Uninsured Motorist Bodily Injury is not required by the state of Ohio but it a recommended coverage. This coverage protects you and your passengers if you are involved in a not at-fault accident but the other driver is not carrying insurance. This will cover your medical bills.
• Medical Payments is also not required by is another recommended coverage to protect you and your passengers. This will cover medical bills for the passengers in your vehicle should you cause an at-fault accident.
• Collision coverage is not required by the state, but if you are financing a vehicle they will often require you to carry this coverage. This will pay for repairs to your vehicle if you cause an accident and sustain damages.
• Comprehensive coverage is also not required by the state but often will be required by the company financing your vehicle. This will pay for repairs to your vehicle if a non-accident occurrence happens such as vandalism, theft, glass damage, or some weather related occurrences.

There are a few other important aspects to keep in mind when choosing Ohio car insurance coverage. First, what coverage does your vehicle require? If you have a financed 2008 model, be sure to get much higher limits of liability than the required and certainly comprehensive and collision will be required.

However, if you have a 1990 Ford pickup, you may be able to get away with just bodily injury and property damage. Second, be sure to compare as many Ohio auto insurance companies as possible. Utilize the Internet to help with your search and to make the shopping as easy as it has to be.

Ohio Auto Insurance Company Discounts

Another good piece of information to know when searching for an auto insurance company in Ohio is what discounts are available. It will always differ by company, but it is always worth asking about. Here are some discounts available in Ohio for auto insurance:

• Affinity groups:  Any organization you belong to like a credit union or professional group may be able to get group discounts. Ask these organizations if this is the case. You may still do better with an individual policy if your overall health is good, but it's a route you should check out.
• Safety features discount: By having airbags, anti-lock brakes, or some other vehicle safety feature, you may be eligible for a discount on your auto insurance policy.
• Senior defensive driver:  If you're a senior citizen then you may be able to take a safe driving course to sharpen your skills and lower your rates.
• Multiple lines discount:  You need to have life insurance, homeowners insurance, and auto insurance.  If you can find a company that offers all three you could get discounts just by using the same insurance company for all!
• Good student discount:  Full time students between the ages of 16-24 can qualify for a substantial discount with a GPA of 3.0 or better. Remember that many companies will want proof of the grades, so be sure to have a copy of the most recent report card ready.

Top Ohio Auto Insurance Companies

Finally, it is necessary to know what companies are available for you to purchase auto insurance through in Ohio. Here is a list of prominent auto insurance companies in Ohio:

• Allstate
• Esurance
• GEICO
• Travelers
• State Farm
• Progressive

Find The Ohio Car Insurance Company That's Right For You!

Once you have a thorough understanding for the types of coverage that are required by Ohio as well as the types of coverage that fit your vehicle needs, let the shopping begin! Our free Ohio auto insurance quote tool at the top of this page can help to begin your search today to find the best Ohio auto insurance company for you.

Get started now!