Ohio Car Insurance

Car Insurance Ohio
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
 
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Save with the AARP Auto & Home Insurance Program from The Hartford.
 
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.
 

Ohio Car Insurance Quotes

The AARP® Auto Insurance Program from The Hartford1 welcomes Ohio drivers! You’ve come to the right place if you’re looking to request a car insurance quote, or find out more about buying Ohio car insurance in the Buckeye State. The Hartford has been insuring Ohio AARP members since 1984, and our Ohio car insurance coverage has earned us a reputation for integrity and trust with our customers. That’s why customers rate The Hartford highly for claims services. It's also why Ohio drivers can feel confident that we’ll be there when you need dependable car insurance protection.
 
Whether you’re traveling from the Rock and Roll Hall of Fame to the foothills of the Appalachian Mountains, The Hartford knows it’s important for experienced drivers like you to feel protected as you travel along Ohio’s roadways. The Hartford will make sure you get the car insurance coverage and protection you need.
 

Ohio Car Insurance Discounts

As an Ohio driver, you could be eligible to receive valuable car insurance discounts and benefits for AARP members with the AARP Auto Insurance Program from The Hartford. Our car insurance coverage benefits can include the following:
 

Required Ohio Car Insurance Coverages

State law in Ohio requires drivers to carry liability car insurance coverage in the following amounts:2
 
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $25,000 for property damage per accident

Digital Proof of Ohio Car Insurance

If you’re a licensed driver in the state of Ohio, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Ohio is also among several states that now accept electronic proof of car insurance, and with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™
 

Ohio Uninsured Driver Facts

According to a 2019 Insurance Research Council report, 13 percent of Ohio drivers are driving without car insurance. This is slightly above the national average of 12.6% of drivers without car insurance.3
 
If you’re ever in an accident caused by a driver without car insurance or a driver with inadequate car insurance coverage, uninsured/underinsured motorist coverage can help you avoid financial loss. Although this coverage is not required in Ohio, it provides a valuable benefit and additional peace of mind.
 

Additional Car Insurance Coverages Available to Ohio Drivers

In addition to providing you with the state-required car insurance coverages, the AARP Auto Insurance Program from The Hartford offers Ohio drivers additional coverage to provide extra security, including:
 

Staying Safe on Ohio Roads

As you travel through Ohio, there are a number of safe driving laws meant to protect you on Ohio’s highways and byways. Here are just a few:4
 

Ohio Seat Belt Laws:

Although Ohio does not have mandatory seat belt laws, law enforcement can ticket you for not wearing a seat belt if you are pulled over for another violation. 


Ohio Distracted Driving Laws:

Ohio has laws in place to discourage distracted driving, including:
 
  • New drivers are not allowed to use hand-held or hands-free cell phones.
  • Texting while driving is banned in the State of Ohio.

Ohio Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Ohio wants to be sure they stay safe in the process. Ohio has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
 
 
 
2 https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/auto-insurance-min-coverage-reqs
 
3 https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
 
4 https://www.ghsa.org/state-laws/states
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.