Ohio car and home insurance
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Best Car Insurance Companies in Ohio (2026)
Disclosure: Kaufman Insurance Group is an independent insurance agency. We work with every company on this list, and we may be paid a commission by any of them. These are the companies we honestly recommend for different situations.
Quick answer
- Most people land here after a renewal increase, a new car, a teen driver, or a home-and-auto question. What fits depends on your cars, drivers, and household.
- We show which companies we work with for those situations, then shop the ones that fit and recommend what's right for you.
- You get a local agent who stays your contact for renewals, new cars, and claims[1].
Get multiple quotes from us
If your renewal jumped, you are adding a teen, you bought a new car, or you want home and auto reviewed together, this guide is for you. We work with the companies below for Ohio families every week. Tell us what changed. We shop the ones that fit and recommend what we would put on our own household.
Skim each “best for” line for your situation (commute, home and auto package, family drivers, and so on). When you want help comparing, we’ll shop multiple carriers for you.
Quick picks
| What you need | Companies we work with |
|---|---|
| Most Ohio drivers | Progressive · GEICO · Grange · National General · Elephant · Foremost · Liberty Mutual · Nationwide · Clearcover |
| Drivers who need an SR-22 filing or have a lapse in coverage | Progressive · National General · GEICO · Elephant · Dairyland |
| Home + auto bundle | Grange · National General · Foremost · Liberty Mutual · Nationwide |
A few cards mention public review ratings. Those were current as of mid-October 2026, and they can change.
Why buy through Kaufman Insurance Group
What you get with Kaufman:
- We start with your details. Who drives, what you drive, how far you commute, and what you need covered.
- Then we shop for you. We work with multiple carriers, pick the ones that fit your situation, and show you the differences side by side[1].
- We’ll walk you through it. You’ll know what’s covered before you buy. No fine print surprises.
- We stay your contact. Call us with questions, new cars, new drivers, renewals, and claims. A real person picks up.
Kaufman Insurance Group is headquartered in Twinsburg, Ohio. It holds agency licenses in Ohio and North Carolina; many of our agents are licensed in the 48 contiguous states.
Get multiple quotes or call 330-486-8404
Our picks for Ohio drivers
Progressive
Best for: Ohio drivers who want lots of coverage choices and a well-known name
Why we like it
Progressive knows the same things you deal with on the road here: lake-effect snow near Lake Erie, busy interstates through Columbus and Cincinnati, and deer on rural roads. It offers Ohio drivers a long list of coverages and works with independent agents like us.[2]
Have a home too? You can bundle your auto and home policies with Progressive.[2]
Key facts
- Progressive sells Ohio car insurance online, by phone, and through independent agents.[2]
- Optional coverages include comprehensive, collision, medical payments, and uninsured or underinsured motorist coverage.[2]
- Progressive has been around since its founding in 1937.[3]
Progressive has been around since 1937.[3]
Where we come in: Tell us who drives, what you drive, and how far you commute. We'll walk you through the coverages that fit your household.
Renewal up, new car, or a teen starting to drive? Progressive is one we work with for a lot of Ohio households. Tell us your situation and we'll shop the companies that fit. Get multiple quotes or call 330-486-8404
GEICO
Best for: drivers who want round-the-clock claim help and easy self-service
Why we like it
GEICO offers car insurance in Ohio with coverage that meets or goes beyond the state's minimum, and you can file a claim with a representative anytime. If you like to handle bills and ID cards yourself, the GEICO app makes that simple.[4]
Own a home or ride a motorcycle? GEICO lets you keep your auto with other GEICO policies like homeowners, renters, condo, motorcycle, and umbrella.[4]
Key facts
- Optional coverages in Ohio include collision, comprehensive, rental reimbursement, and roadside assistance.[4]
- You can file a claim with a representative anytime.[4]
- The GEICO app lets you pay bills, get ID cards, and file claims.[4]
With GEICO, you can reach a claims representative anytime, day or night.[4]
Where we come in: Fender bender or a cracked windshield? Call us. We'll help you through the claim and stay your contact afterward.
Want easy claims and self-service, with an agent still in the mix? GEICO is one we work with. We'll shop the carriers that fit busy Ohio drivers. Get multiple quotes or call 330-486-8404
Grange Insurance
Best for: Ohio drivers who want an Ohio-based company
Why we like it
Grange is right down the road in Columbus. They build Ohio auto policies with independent agents like us, so you get a local company and a local person walking you through it.[5,6]
Looking for a home and auto package? Grange lets you keep your auto with a Grange home, condo, or renters policy, so we can review both sides together.[6]
Key facts
- Grange offers auto insurance in Ohio through independent agents.[5,6]
- Coverage options include uninsured and underinsured motorist, roadside assistance, and new car replacement, which pays to replace your car if it's a total loss in a covered accident.[6]
- Grange is headquartered in Columbus, Ohio.[6]
Grange is headquartered right here in Columbus, Ohio.[6]
Where we come in: Prefer a Columbus-based company? We'll go over your cars and drivers with you, and we're still here long after you buy.
Prefer an Ohio-based company? Grange is one we work with. We'll shop the carriers that fit your household. Get multiple quotes or call 330-486-8404
National General
Best for: drivers who want to build a policy with optional coverages
National General, an Allstate company[7]
Why we like it
National General's Custom360 Auto lets you start with a coverage level, then add extras that fit your life: accident forgiveness, ride share, full safety glass. Sold through independent agents, so we can sit with you and sort the menu.[7]
Want your home and car together? National General's Custom360 program lets you keep both policies with the same company, and it's one of the packages we can look at for you.[7]
Key facts
- Standard coverages include collision, comprehensive, liability, medical payments, and uninsured or underinsured motorist coverage.[7]
- Optional coverages include accident forgiveness, auto replacement, ride share, full safety glass, roadside assistance, and a diminishing deductible.[7]
- Its claims team is available by phone 24 hours a day, 365 days a year.[7]
National General, an Allstate company, has been serving policyholders since 1920.[7]
Where we come in: Custom360 has a lot of extras. We'll tell you which ones are worth it for your car and whether a home-and-auto setup fits.
Need optional coverages or a home-and-auto setup? National General is one we work with. We'll look at the options that fit your car. Get multiple quotes or call 330-486-8404
Elephant
Best for: drivers who want accident forgiveness and add-on options
Why we like it
Elephant is built for drivers who like to tweak a policy. Accident forgiveness, legal coverage, a deductible that can shrink over time. And because it works with independent agencies, you can talk through those choices with us.[8]
Need more than auto? Elephant works with partner providers so you can keep your car with home, renters, condo, motorcycle, and other coverages.[8]
Key facts
- Ohio coverage options include comprehensive and collision, medical payments, rental reimbursement, and roadside assistance.[8]
- Accident forgiveness is earned automatically after 3 years in a row without an accident on your policy, and you may be able to buy an upgraded version that starts right away.[8]
- You can manage your policy and file claims with the mobile app, your online account, a claims photo app, and agent chat.[8]
Elephant holds a 4.3 out of 5 on Trustpilot from 1,510 reviews, as of October 12, 2026.[9]
Where we come in: We'll go over accident forgiveness and the other add-ons with you and recommend what fits among the options we shop.
Want accident forgiveness or other add-ons? Elephant is one we work with. We'll shop what fits and give you a straight recommendation. Get multiple quotes or call 330-486-8404
Foremost
Best for: drivers who want a home and auto package with Foremost Signature
Foremost, a Farmers company[10]
Why we like it
Foremost Signature Auto is built for the whole household, with coverage levels you can match to the car, and optional add-ons like roadside assistance, rental reimbursement, and ride share. It's available through independent agents like us.[11]
Have a home too? Foremost can put auto and home in one package with one bill and one deductible, so you are not juggling two policies.[12,13]
Key facts
- Foremost Signature Auto includes liability, collision and comprehensive, personal injury, and uninsured motorists coverage.[11]
- Optional add-ons include roadside assistance, rental reimbursement, ride share, and a diminishing deductible.[11]
- Foremost Signature Auto is available for Ohio drivers through independent agents.[14]
Foremost, a Farmers company, has been an insurance innovator since 1952.[10]
Where we come in: Tell us about your car and your house. Foremost Signature is one of the companies we can look at when keeping them together makes sense.
Shopping home and auto together at renewal or after a move? Foremost Signature is one we work with. We'll review the carriers that fit your household. Get multiple quotes or call 330-486-8404
Liberty Mutual (formerly Safeco)
Best for: drivers who want a large national company through an independent agent
Safeco is now Liberty Mutual, and the Safeco name has been retired.[15]
Why we like it
Safeco is now Liberty Mutual, and it's still sold through independent agencies across the country. You can customize your auto policy so you only pay for what you need, from liability to comprehensive coverage.[15,16]
Have a home too? Liberty Mutual lets you combine your auto with your other policies, which makes it a solid home and auto option through an independent agent.[16]
Key facts
- Liberty Mutual offers Ohio car insurance from liability protection to comprehensive coverage.[16]
- More than 20,000 insurance agencies across the country sell Liberty Mutual.[15]
- Liberty Mutual has been trusted for over 100 years.[16]
Liberty Mutual has been trusted for over 100 years.[16]
Where we come in: We'll help you set liability limits that protect what you've worked for, not just the state minimum.
Want higher liability limits or a national name through a local agent? Liberty Mutual is one we work with. We'll shop the carriers that fit. Get multiple quotes or call 330-486-8404
Nationwide
Best for: drivers who want guaranteed repairs at network shops
Why we like it
Nationwide's On Your Side Claims Service gives you a written guarantee on repairs for as long as you own your vehicle when you choose a shop in its network. In Ohio, you can also add accident forgiveness and roadside assistance.[17,18]
Own a home? Nationwide lets you keep your property and auto together, so it belongs in the home and auto conversation when it fits.[17]
Key facts
- Choose a shop in Nationwide's network and get a written guarantee on repairs for as long as you own your vehicle.[17]
- With optional accident forgiveness, Nationwide won't raise your rates after your first at-fault accident.[18]
- Roadside assistance can cover things like fuel delivery, lockout service, and jump-starts.[18]
Nationwide holds an A+ rating from the Better Business Bureau (BBB), as of October 9, 2026.[19]
Where we come in: After a claim, we'll help you find a repair shop and make sure you know how the repair guarantee works.
Worried about repair quality after a claim? Nationwide is one we work with. We'll walk you through the companies that fit. Get multiple quotes or call 330-486-8404
Clearcover
Best for: drivers who want to handle claims from their phone
Why we like it
If you'd rather handle insurance from your phone, Clearcover is built for that. Coverage questions, claims, and help are all in the app, and it's open for new business in Ohio.[20,21]
Key facts
- Clearcover is open for new business in Ohio.[20]
- Coverage options include roadside assistance and alternate transportation, which gives you cash to get around if your car can't be driven after a covered incident.[21]
- Its Coverage Wizard asks you some quick questions to help you figure out which coverages you need.[21]
Clearcover's app can pay eligible claims in minutes.[21]
Where we come in: Like handling things on your phone? That works. And when you'd rather talk to a person, you can call us anytime.
Like managing the policy on your phone? Clearcover is one we work with. We'll shop the carriers that fit when you are ready. Get multiple quotes or call 330-486-8404
Best for drivers who need an SR-22 filing or have a lapse in coverage
Dairyland
Best for: drivers who need an SR-22 filing or have a lapse in coverage
Why we like it
Dairyland works with drivers who have a lapse in coverage, a violation on their record, or a foreign license. If Ohio requires you to carry an SR-22, Dairyland will file it for you.[22,23]
Ride too? You can bundle your Dairyland car insurance with motorcycle, ATV, or dirt bike coverage.[22]
Key facts
- Dairyland offers car insurance in Ohio and will file your SR-22 on your behalf if you need one.[23]
- It offers flexible payment plans.[22]
- Coverage options include 24/7 roadside assistance and non-owner insurance for drivers who don't own a car.[22]
Dairyland has helped drivers find coverage since 1953.[22]
Where we come in: Need an SR-22 or you had a lapse? We'll explain what Ohio asks for, help with the filing when it fits, and keep you on track.
Need an SR-22 or coming back from a lapse? Dairyland is one we can look at for that. We'll review the carriers that fit and keep the filing clear. Get multiple quotes or call 330-486-8404
What to ask before you buy
- Let us do the shopping. You don't have to chase down quotes on your own. We work with multiple carriers, shop the ones that fit your situation, and recommend what's right for you.
- We check the company and the coverage, not just the price. Before we recommend a company, we look at how it handles claims and service and walk you through what the coverage includes.
- We look past the state minimum. Ohio requires at least $25,000 for injury or death of one person, $50,000 for injury or death of two or more people, and $25,000 for property damage. Higher limits may offer better financial protection after a serious accident, so we'll help you pick limits that fit what you have to protect.[24,2]
- We ask about your loan or lease. Most lenders require comprehensive and collision coverage if you finance or lease your vehicle, so we'll make sure your policy lines up with what your lender expects.[2]
How we chose these companies
These are companies we place for Ohio households every week. Commuters, families, home-and-auto packages. Different fits for different people. We do not rank them against each other. We shop the carriers that fit you and recommend the one we would put on our own household.
Get multiple quotes or call 330-486-8404
Frequently asked questions
What is the best car insurance company in Ohio?
Honestly, it depends on your situation. There's no single best company for everyone, so our top pick is getting multiple quotes. The companies above fit different drivers, and we'll quote the ones that fit you and recommend what's right.
How much car insurance does Ohio require?
Ohio requires at least $25,000 for injury or death of one person, $50,000 for injury or death of two or more people, and $25,000 for property damage in an accident. That's the legal minimum, and we'll help you decide whether higher limits make sense for you.[24]
Is Ohio a no-fault state?
No. Ohio is an at-fault state, so the driver who causes a crash may be responsible for the injuries and damage that result.[5,2]
Do I need comprehensive and collision coverage?
Ohio doesn't require them, but most lenders require comprehensive and collision if you finance or lease your vehicle. We'll look at your car and your loan and help you decide what makes sense.[2]
Why use an independent agent?
Because you get a person who can shop more than one company, explain the differences, and stick with you after the sale. That's us.[1]
Where is Kaufman licensed?
Kaufman Insurance Group is headquartered in Twinsburg, Ohio. It holds agency licenses in Ohio and North Carolina; many of our agents are licensed in the 48 contiguous states.
Ready to stop guessing?
Call us or send the form. We'll look at your cars and drivers, shop the carriers that fit, tell you what we'd pick, and stay your contact for changes and claims.
Get multiple quotes or call 330-486-8404
Sources
- NAIC: How to Choose an Insurance Agent, accessed October 9, 2026.
- Progressive: Ohio Car Insurance, accessed October 12, 2026.
- Progressive: About Us, accessed October 12, 2026.
- GEICO: Ohio Car Insurance Quotes, accessed October 12, 2026.
- Grange Insurance: Ohio Auto Insurance, accessed October 12, 2026.
- Grange Insurance: Auto Insurance, accessed October 12, 2026.
- National General: Custom360 Auto, accessed October 12, 2026.
- Elephant Insurance: Ohio Car Insurance, accessed October 12, 2026.
- Trustpilot: Elephant Insurance, accessed October 12, 2026.
- Foremost Insurance Group: Home page, accessed October 12, 2026.
- Foremost: Signature Auto, accessed October 12, 2026.
- Foremost: Signature Auto home and auto package, accessed October 12, 2026.
- Foremost: Home Insurance, accessed October 12, 2026.
- Foremost: Get A Quote, accessed October 12, 2026.
- Liberty Mutual: Independent Insurance Agents (safeco.com), accessed October 12, 2026.
- Liberty Mutual: Ohio Car Insurance, accessed October 12, 2026.
- Nationwide: Ohio Car Insurance, accessed October 12, 2026.
- Nationwide: Ohio Car Insurance Coverage, accessed October 12, 2026.
- BBB: Nationwide, accessed October 9, 2026.
- Clearcover: States Where You Can Get a Clearcover Policy, accessed October 12, 2026.
- Clearcover: Car Insurance, accessed October 12, 2026.
- Dairyland: Auto Insurance, accessed October 12, 2026.
- Dairyland: Ohio Car Insurance, accessed October 12, 2026.
- Ohio BMV: Mandatory Insurance, accessed October 12, 2026.
This page is general information, not insurance advice. Coverage, availability, and eligibility depend on the insurance company, your location, and your situation, and every quote is subject to the insurer’s underwriting review. Kaufman Insurance Group holds agency licenses in Ohio and North Carolina; many of our agents are licensed in the 48 contiguous states. Company names belong to their owners, and their inclusion does not mean they endorse us.
Outside Ohio, or need RV, boat or business insurance?
We can help with that too. Tell us what you need here and one of our agents will get back to you. Rather talk? Call or text 330-486-8404.
