Ohio law requires every driver to carry liability insurance, but the right policy protects far more than the legal minimum. As an independent brokerage, we shop Nationwide, Progressive, GEICO, Travelers, Grange, State Auto, The Hartford and more to find coverage that fits your drivers, your vehicles and your budget.
Coverage Options
Every household is different. We walk you through each coverage so you pay for protection you actually need.
- Liability (bodily injury & property damage) – pays for injuries and damage you cause. Ohio's legal minimum is 25/50/25, which many drivers find too low.
- Collision – repairs or replaces your vehicle after a crash, regardless of fault.
- Comprehensive – theft, vandalism, hail, fire, falling objects and deer strikes.
- Uninsured / Underinsured Motorist – protects you when the at-fault driver has little or no insurance.
- Medical Payments – helps with medical bills for you and your passengers.
- Rental, Roadside & Loan/Lease Gap – the extras that keep you moving and protect your loan.
- SR-22 filings – we can help drivers who need proof of financial responsibility get back on the road.
Discounts
Savings vary by carrier, driver and vehicle, but these are the discounts we look for first:
- Multi-policy bundle (auto + home, renters, life or umbrella)
- Multi-car and multi-driver households
- Claims-free and safe-driver history
- Usage-based / telematics driving programs
- Good student and defensive-driving courses
- Paid-in-full, autopay and paperless billing
- Low annual mileage and anti-theft or safety features
Claims Process
If the unexpected happens, you are not on your own.
- Get safe. Check for injuries and call 911 if needed.
- Document. Take photos, exchange information and request a police report.
- Call us. We help you open the claim with your carrier.
- We advocate. We follow up with the adjuster so the process keeps moving.
Frequently Asked Questions
What are Ohio's minimum auto insurance requirements?
Ohio requires liability limits of at least $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 per accident for property damage (often written 25/50/25). Many drivers choose higher limits for better protection.
Is Ohio a no-fault state?
No. Ohio is an at-fault (tort) state, which means the driver who causes a crash is financially responsible for the damage and injuries, usually through their liability coverage.
What is an SR-22 and do I need one?
An SR-22 is a certificate your insurer files with the state to prove you carry required coverage. It is typically required after certain violations or a lapse in coverage. We can help you find a carrier that files it.
Will a speeding ticket raise my rate?
It can. The effect depends on the violation, your history and your carrier. Because we represent many carriers, we can often find a better fit after a ticket or claim.