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Need Auto Insurance in Ohio?

As an Independent Insurance Agency, our experienced team make finding the right auto insurance in Ohio easy. Whether you need a commercial auto insurance policy or coverage for your personal automobile, our friendly team of experts will create a tailored package that suits your individual needs.

Click here to get an auto insurance quote with us today! We’ll make sure you only pay for the auto insurance coverage you actually need.

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Ohio Auto insurance

Frequently Asked Questions

When it comes to auto insurance in Ohio, we tend to get the same questions often.

How often do you pay auto insurance?

Drivers pay for auto insurance with monthly premiums or annually; whichever fits your budget.

How do auto insurance deductibles work?

When you file an auto insurance claim, the deductible is the amount you will pay for the damages, before your auto insurance company to compensate for the rest.

Get Insured Today with Malhotra & Assoc. Insurance

Car insurance doesn’t have to be expensive. Malhotra & Assoc. Insurance will make sure you don’t have to break the bank to pay for crucial coverages. Working with top carriers, we will find and develop a policy that fits you, your vehicle and your wallet. Give us a call today at 419-756-8910 or visit us at one of our locations!

Ohio Auto Insurance State Requirements

In Ohio, drivers need to carry a minimum of $25,000 in bodily injury liability per person. You also need $25,000 in property damage liability insurance and $50,000 in bodily injury liability coverage, per accident.

What does basic auto insurance cover?

The above highlights the basic requirements for auto insurance in Ohio. These are the minimum levels that you need to buy before you can legally drive in Ohio. In the event you are found to be at-fault for a collision with another vehicle, then these basic liability requirements will pay out for the medical bills of the driver and their passengers, along with damage to their vehicle or any other personal property of the other party.

In the event, you are faced with expensive or extensive repairs, or continued medical expenses, basic coverage might not be enough to cover these expenses. As such, opting for additional coverage can give you peace of mind knowing that there is additional coverage for such elevated expenses.

Comprehensive Coverage:

Comprehensive coverage covers damage or loss to your vehicle due to fire, wind, hail, theft, vandalism and more.

Collision Coverage:

Collision coverage covers damage or loss to your vehicle due to a collision with another vehicle or an object.

Personal Injury Protection:

Personal injury protection (PIP) helps with medical expenses for you and your passengers after an accident, no matter who is at fault.

If you’d like to look at the options, our friendly team can tailor a quote based on your needs, and we can help you explore different pricing scenarios for auto insurance coverage in Ohio.

How much does Auto Insurance cost in Ohio?

There are many factors that go into the cost of your car insurance rates. Typically, your rates are determined by assumed risk. Those drivers who are more likely to file an insurance claim usually pay more for their auto insurance.

Factors that influence your car insurance rates include:

  • Age
  • Gender
  • Marital Status
  • Deductible
  • Location
  • Driving Experience
  • Occupation
  • And more


For example, male youths will tend to pay the highest rates for car insurance because they’re statistically more likely to speed and drive recklessly.

Ohio Auto Insurance Discounts

If you want to save money on auto insurance in Ohio, our team can help you find the best policy, while providing affordable insurance with any relevant discounts. One of the best ways to reduce the money you spend on your auto insurance is to bundle your policies together with your home insurance, life insurance, or even your business insurance. The more lines you cover under one policy, the more of a discount you will see on your annual premiums.

More Frequently Asked Questions about Ohio Auto Insurance

How Do Auto Insurance Claims Work?

After an accident, you can file an insurance claim by calling your insurance company. An underwriter from the insurance agency will evaluate the damages and then offer compensation for repairs.

Why Does Auto Insurance Increase?

Auto insurance increases for a range of reasons. At-fault wrecks, severe traffic violations, and multiple claims or tickets may cause your rates to rise.

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