Ohio is famous for a lot of things — football, higher education, and the Rock and Roll Hall of Fame, to name a few — but high car insurance rates don't need to be one of them.
We embrace convenient, modern technology like our very own CoverageMyWay®, which helps you prioritize coverage options based on the info you provide during your personalized Ohio car insurance quote. It's the smart way to get the protection you feel is right for you.
We're confident all residents of the Buckeye State could benefit from Esurance's simple policy management and 24/7 claims service — aimed at keeping your financial security and peace of mind intact if life ever throws you a curveball.
"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."
— Linda K.
"Beat all other pricing while not making me sacrifice my personalized coverage."
— Douglas F.
We're at the heart of it all when it comes to saving Buckeye State residents some cash on their auto insurance. Here's a sampling of our money-saving discounts:
Discounts are subject to eligibility. If you have questions about your current Esurance discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).
You know you need to protect your car — so why not the rest of your stuff? Add renters coverage to your car insurance policy and get peace of mind in case the unexpected happens. You'll score a discount while you're at it.
Ohio drivers are required to carry the following types of liability insurance:
Please note that these are the state-required minimums. You can opt for higher limits when you buy your Ohio car insurance policy. As a general rule of thumb, you want as much coverage as you can comfortably afford.
Ohio is a "fault" state, which means that one of the drivers in the accident may be found at fault and held liable as a result. Bodily injury liability and property damage liability are required coverages that can kick in to help pay for others' injury bills and repair costs after you're found at fault in an accident.
These additional coverages can give you extra peace of mind and financial protection if you ever need to file a claim:
It's illegal to drive in Ohio without proper car insurance or proof of financial responsibility.
Just because it's illegal, of course, doesn't mean drivers don't do it. A report from the Insurance Research Council estimated that 13.5 percent of Ohio drivers were uninsured in 2012, compared to the national average of 12.6 percent.
If you're an Ohio resident who's caught driving without proof of insurance, you'll need to go to court to show that you are insured. If you don't show proof, penalties include a suspended license (90 days for first-time offenders and up to a year for repeats) and you'll need to file an SR-22 form when you reinstate your license (for a fee).
If you don't want a typical car insurance policy but want to legally drive in Ohio, you can prove your financial responsibility by leaving $30,000 with the state treasurer. If you can't part with $30,000, you can have 2 people vouch for you by cosigning a bond with the state using their real estate as collateral. Together the cosigners must have $60,000 in equity. (Or you can just get car insurance.)
Insurance companies (including us) may take the following into account when determining your auto insurance rates in Ohio:
As an Esurance customer, you can take your car to an E-star® shop to take advantage of RepairView® and guaranteed repairs for as long as the car's yours.
Find an E-star shop near you.
Teen car insurance
Find out about licensing, policy savings, and more for teen drivers.
Ohio Department of Insurance
Your go-to source for fraud information and official state insurance info.