Top 5 Auto Insurance Companies in Ohio
Navigating Ohio’s auto insurance options requires a firm understanding of state-required coverages. Choosing a provider that prioritizes customer satisfaction, local presence and coverage flexibility will help drivers feel confident behind the wheel.
For example, Allstate could be a good choice for homeowners seeking to bundle home and auto coverage with one insurer to earn a bundling discount. It also received high marks for customer satisfaction and affordability in multiple 2023 J.D. Power studies.
Caresource
It also provides support programs that help members with their daily lives. These include programs that offer life coaching and help finding a job. These programs are a big reason why CareSource stands out among other insurance providers.
The company is a nonprofit and has nearly 2 million members in six states, including Ohio. It was originally named the Dayton Area Health Plan (DAHP) and was started with a $500,000 grant by three hospital CEOs, including Pamela Morris who led DAHP until her retirement in 2018.
CareSource has been awarded a five-star rating by the Ohio Department of Medicaid for their outstanding service to their members. The company specializes in serving low-income families. Its services are based on the needs of its members, and the company works to remove barriers that prevent them from accessing health care.
The company has also developed a partnership with Walmart to provide in-store community health workers to assist Medicaid members in Ohio and Georgia. This will help them make healthy lifestyle choices and improve maternal and child health outcomes in the state that has one of the nation’s highest rates of maternal mortality.
Medical Mutual of Ohio
Medical Mutual of Ohio is a Cleveland-based health insurance company. It offers a variety of Medicare Supplement plans. It also has other health insurance products. It is a mutual company, which means that it is owned by its policyholders rather than shareholders. It is one of the oldest health insurance companies in the country.
Medical mutual has a large network of over 43,000 doctors. Its SuperMed network is located in every county of the state. In addition, 99% of all Ohio hospitals are part of the network. Its network is also a leader in quality, with the National Committee for Quality Assurance recognizing it as Accredited.
The company also provides a wide range of discounts for its members. These include gym memberships, hearing aids, and drugstore items. In addition, they offer a wide range of dental services. Their rates are competitive and they offer a single rate for each age group. Unlike most other companies, Medical Mutual does not charge more for males or smokers.
Medical Mutual has a customer satisfaction rating of 9 out of 10. It is also rated highly for employee net promoter score, with a number of employees who are very satisfied with their jobs.
Auto-Owners
In business since 1916, Auto-Owners Insurance Group offers a variety of personal and commercial insurance products. It has more than 6.2 million policyholders across 26 states. The company ranks in the top 100 of property & casualty insurers by revenue. According to its LinkedIn profile, the company employs about 4,700 associates. Auto-Owners has a strong focus on car insurance, which accounts for 80% of its revenue. It is also a leading provider of home and life insurance.
The company offers competitive rates for both its home and car insurance policies. Its home insurance premiums are typically lower than the national average, and it is one of only a few companies that offer a guaranteed renewal. Additionally, it offers a number of discounts to reduce its homeowners insurance premiums, including discounts for a good driving record and having a backup generator in your home.
While Auto-Owners has a robust offering of insurance products, it could improve its customer service. Several of its competitors have higher customer satisfaction ratings than Auto-Owners. The company doesn’t publish a claims response time frame on its website, and the official site lacks an outline of the claim process. However, its local independent agents are available to answer questions about filing a claim or provide guidance. The company also doesn’t offer a usage-based program, which is an important feature for many drivers who need to obtain an SR-22.
Cincinnati Insurance
Cincinnati Insurance offers car, home and life insurance. Its auto policies include collision and comprehensive coverage, plus uninsured/underinsured motorist protection. Cincinnati also offers multiple endorsements to boost a policy’s protection level. A mobile app lets customers access account information, make payments and report claims.
Those who meet certain criteria, including having a clean driving record and installing safety equipment, may qualify for additional savings. The company also gives discounts for multiple drivers, seniors, good students and those who drive safe vehicles.
For homeowners, the company’s executive home packages include a wide range of coverage options. The company also provides wildfire defense services in select Western states and offers identity theft coverage and personal cyber protection. For high-value homes, Cincinnati offers a guaranteed replacement cost option that pays for the actual costs of rebuilding a house.
The company has a good financial strength rating, a low number of complaints and a large network of independent agents. However, third-party reviews are mixed. Some customers have criticized Cincinnati for high rates and slow processing times while others have praised its customer service.