Auto Insurance in Ohio & Pennsylvania
Compare quotes from 100+ insurance markets in one shop.
Auto insurance is required by law in Ohio and Pennsylvania, but the minimum coverage rarely protects what's actually at risk: your finances. As an independent agency, we shop your auto policy across 100+ carriers — Progressive, GEICO, Travelers, Liberty Mutual, Nationwide, Grange, and more — to find you the right protection at the lowest fair price.
What Auto Insurance Covers
Core coverage components we'll review and tailor on your quote.
Liability Coverage
Pays for bodily injury and property damage you cause to others. Ohio minimum is 25/50/25; we usually recommend 100/300/100 for any working adult.
Comprehensive & Collision
Comprehensive covers theft, vandalism, hail, and animal strikes. Collision pays for damage from an accident regardless of fault.
Uninsured/Underinsured Motorist (UM/UIM)
Critical in Ohio — protects you when the at-fault driver has no insurance or too little. We recommend UM/UIM limits matching your liability.
Medical Payments (MedPay)
Pays medical bills for you and passengers regardless of fault. We typically suggest $5,000 minimum.
SR-22 Filings
A financial-responsibility filing often required after a DUI/OVI, license suspension, or driving uninsured. We can file SR-22 through multiple carriers we work with.
Rideshare Coverage
Uber and Lyft drivers need a rideshare endorsement — personal auto policies exclude commercial use. Available with several carriers we work with.
Optional Add-Ons Worth Considering
- Roadside assistance and towing
- Rental car reimbursement
- Gap insurance for financed/leased vehicles
- Custom equipment and accessories coverage
- OEM parts endorsement
- Accident forgiveness on eligible policies
Common Exclusions (What's Usually NOT Covered)
Knowing what your policy doesn't cover is just as important.
- Regular wear and tear and mechanical breakdowns
- Damage from using your vehicle for business or rideshare without the proper endorsement
- Intentional damage or racing-related claims
- Personal items stolen from inside the vehicle (homeowners/renters policy covers these)
Who Really Needs This Coverage
- Anyone who drives a vehicle in Ohio or Pennsylvania (required by law)
- Households with teen drivers — premiums shift dramatically here
- Owners of newer or financed vehicles — comp/collision is critical
- Drivers with a recent ticket, accident, or SR-22 requirement
What Drives Your Premium
Driving record
Recent accidents and tickets are the biggest single factor.
Credit-based insurance score
Most states allow it; it's a major factor in OH and PA.
Vehicle make/model and ZIP code
Garaging address and theft frequency matter a lot.
Coverage limits and deductibles
Higher liability and lower deductibles raise premiums but lower out-of-pocket on claims.
Frequently Asked Questions
Quick answers about auto insurance in Ohio and Pennsylvania.
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Plain-English guides relevant to auto insurance.
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