Car insurance coverage, rates, and claims, explained by state
Know what your state requires, then compare who covers it.
Minimum limits, fault rules and the companies selling in your state — checked against state regulators and each insurer's own pages.
15 companies in our guide
Companies selling in Ohio
Filter by what matters to you. Ratings come from AM Best and the NAIC, not from us.
| Company | Financial strength | Complaints vs. size | Safe-driving app | How you buy | Quote |
|---|---|---|---|---|---|
State Farm Drivers who want the convenience of a large nationwide network of local captive agents along with usage-based and teen/young-driver discount programs. | A+ AM Best | No data | Drive Safe & Save | Own agents, Online or phone | Get a quote |
GEICO Drivers nationwide who want a well-known, financially strong direct-and-agent insurer with many stackable discounts and a usage-based driving app. | A++ AM Best | 0.75 | DriveEasy | Own agents, Online or phone | Get a quote |
USAA Active-duty military members, National Guard/Reserve members, honorably discharged veterans, service academy cadets/midshipmen, and their spouses, widows/widowers and children. | No data | No data | USAA SafePilot | Online or phone | Get a quote |
Liberty Mutual Drivers who want a large, well-known national insurer with broad coverage options, a telematics discount program, and the convenience of buying online, by phone, or through a local agent. | A AM Best | No data | RightTrack® | Online, Phone or own agents | Get a quote |
Travelers Drivers who prefer buying through a local independent agent and want to bundle several policies for multi-policy savings. | No data | No data | IntelliDrive | Independent agents, Online or phone | Get a quote |
Erie Insurance Drivers within Erie's 13-jurisdiction footprint who want personalized independent-agent service, bundling and rate stability rather than a fully online nationwide insurer | A+ AM Best | No data | YourTurn | Independent agents, Online or phone | Get a quote |
 AAA (CSAA Insurance Group) Active AAA membership (per a third-party review; not stated on the official CSAA pages retrieved) | A AM Best | No data | MySafeDrive | Independent agents, Online or phone | Get a quote |
 Mercury Insurance Drivers in Mercury's 11 operating states who want an independent-agent-sold policy with bundling and telematics discount options | A AM Best | 1.64 | MercuryGO | Independent agents, Online or phone | Get a quote |
 The General High-risk and non-standard drivers — those with past violations, accidents, lapses in coverage, or imperfect credit — who want low down payments and fast online or phone quotes. | A+ AM Best | 1.32 | None | Online, Phone or independent agents | Get a quote |
 Kemper Drivers with non-standard needs, such as SR-22 requirements or lapses in coverage, who want independent-agent guided auto insurance | A- AM Best | 2.83 | Kemper Co-Pilot | Independent agents or online | Get a quote |
 AAA (The Auto Club Group) AAA members across its 14-state Midwest and Southeast footprint who want agent-guided service bundled with roadside assistance and membership perks | A AM Best | No data | AAADrive | Own agents, Online or phone | Get a quote |
 The Hartford AARP members | A+ AM Best | No data | None | Independent agents, Online or phone | Get a quote |
 MAPFRE Insurance Drivers in MAPFRE's 11 operating states who prefer buying through a local independent agent and want extras like teen-driver safety training and a usage-based driving app. | A AM Best | No data | MotionSmart | Independent agents or online | Get a quote |
 COUNTRY Financial Drivers in COUNTRY's 19-state footprint who want a local captive agent relationship along with bundling, telematics and family-focused discounts. | A+ AM Best | 0.15 | DriverIQ | Own agents, Online or phone | Get a quote |
 The Hanover Drivers who prefer working with a local independent agent and want extra protections like accident forgiveness, new-car replacement and OEM parts coverage rather than a bare-bones policy. | A AM Best | No data | None | Independent agents | Get a quote |
Complaint index: 1.00 is average for the company's size; lower is better (NAIC). “Get a quote” opens the company's own site. We are not an insurer or agent and don't sell your details.
No company here matches that filter in this state. See every company.
What each coverage pays for
LiabilityInjuries and damage you cause to other people and their property.Required in almost every stateCollisionRepairs to your own car after a crash, whoever caused it.Usually required by lendersComprehensiveTheft, hail, flood, fire, animals and falling objects.Usually required by lendersUninsured motoristYour injuries when the other driver has no or too little insurance.Required in some statesPersonal injury protectionMedical bills and lost wages for you and passengers, regardless of fault.Required in no-fault statesMedical paymentsMedical bills for you and passengers, smaller and simpler than PIP.Optional in most states
How much liability coverage do you need?
Your state's minimum keeps you legal. It rarely covers a serious crash.
Rules and companies by state
Each state with its minimums, fault rules and largest insurers.
Guides
State Farm vs. Allstate: Which Is Cheaper?State Farm vs. Allstate compared on AM Best ratings, NAIC complaint index, telematics discounts, accident forgiveness, claims handling and state availability.
Car Insurance Rates for High-Risk Drivers: How the Major Insurers CompareHow major insurers price high-risk drivers: post-accident premiums for USAA, GEICO, State Farm, Allstate, Farmers and Erie, with the profiles behind each figure.
I Got a DUI — What Coverage Do I Need Now?After a DUI: how SR-22 and Florida's FR-44 filings work, the limits each requires, lapse notification rules, and owner vs non-owner policies compared.
How Much Will a Speeding Ticket Raise My Rate, and For How Long?What a speeding ticket does to your premium, by state and insurer, how long the surcharge lasts, and the steps to take before your next renewal.
California Car Insurance Requirements: Minimum Coverage Limits ExplainedCalifornia's 30/60/15 liability minimums under Veh. Code § 16056, the January 2025 increase, UM waiver rules, uninsured-driving fines and suspension lengths.
Is $250 a Month a Normal Car Insurance Premium for a 25-Year-Old Driver?Is $250 a month normal for a 25-year-old driver? Benchmarks by coverage tier, state, company and record, plus specific ways to cut cost.
Personal Injury Protection (PIP), ExplainedWhat Personal Injury Protection pays, what it excludes, typical PIP limits by state, and which states require it — with Florida's statutory benefit rules.
Geico vs. Progressive Car Insurance ComparedGEICO vs Progressive compared on A.M. Best ratings, NAIC complaint indexes, J.D. Power claims scores, coverage limits and which driver profiles suit each.
My Renewal Went Up With No Tickets or Accidents — Is That Normal?Why an auto renewal rises with a clean record: base-rate filings, ZIP-code claim costs, lost discounts, credit scoring, and how long each factor lasts.
Filing a Claim After a Hit-and-Run: Step-by-Step GuideHow to file a hit-and-run claim: the 24-hour police report rule, UM versus collision coverage, state acknowledgment and payment deadlines, and what delays payout.
What Is Gap Insurance and Who Actually Needs It?What gap insurance covers, who needs it, what it costs as a policy endorsement versus at the dealership, and how to buy it without it being a loan condition.
I Got an SR-22 Requirement — What Coverage Do I Need Now?What an SR-22 actually requires: form types, state minimum limits, the roughly $25 filing fee at each renewal, and what happens if your policy lapses.