Car Insurance Columbus, Ohio

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couple happy knowing they are protected by car Insurance columbus ohioGet the peace of mind you deserve while traveling the roads of Columbus with car insurance you can count on. Since 1984, the AARP® Auto Insurance Program from The Hartford1 has been providing customizable car insurance coverage to Ohio drivers and their families. Throughout that time, The Hartford has earned a reputation for trust and integrity. And with our high ratings for customer and claims service, The Hartford will be there when you need us most. So, if you’re looking for quotes for great car insurance in Columbus, Ohio, you’ve come to the right place.
 

What Are the Coverage Requirements for Auto Insurance in Columbus, Ohio?

You have many options when it comes to car insurance coverage. However, each state has its own minimum requirements for the amount of coverage you must carry. In Ohio, auto insurance is required at the following minimum coverage limits:2
 
Through the AARP Auto Insurance Program from The Hartford, you can tailor your car insurance to fit your needs. For full coverage car insurance, you can add other coverages to your policy for more protection.
 

Car Insurance Benefits for Ohio Drivers

couple pleased with their car insurance quotes columbus ohioOhio drivers are eligible for many car insurance benefits with the AARP Auto Insurance Program from The Hartford, like:
 
  • New Car Replacement:§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
  • Accident Forgiveness:‡ As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
  • Disappearing Deductible:‡ With this optional benefit, your collision deductible could be reduced over time, in most states, as long as you maintain a clean driving record.
  • 24/7 Claim Service: You can reach The Hartford’s claims representatives any time or day of the week by calling 877-805-9918.
  • RecoverCare:§ If you’re injured in an accident,  this coverage can pay you back for things you can’t do yourself, like house cleaning, yard maintenance and more.
  • Labor and Towing Insurance: This optional coverage can help pay for emergency roadside assistance if you break down. It’ll also help you get your car towed to a repair shop. You’ll need comprehensive coverage to get this benefit.

How Much Does Car Insurance Cost in Columbus, Ohio?

Based on car insurance rates in Columbus, the average cost of insurance is $1,385 a year, or $115 a month.3 However, car insurance costs are unique to each driver. The amount you pay for car insurance per month or year may be higher or lower than the average depending on your:
 
  • Average miles driven in a year
  • Coverage limits
  • Deductible amounts
  • Insurance-based credit score
  • Vehicle use
  • Claims and insurance history 

Discounts for Columbus, Ohio Car Insurance

The Hartford offers several car insurance discounts to help customers get more affordable car insurance and save money. For example, you can be eligible for discounts when you:
 
  • Bundle insurance: You can save up to 12% on your auto insurance and up to 20% on your home, renters or condo insurance just by bundling.**
  • Pay your premium in full: You’ll receive a discount if you pay your bill in full instead of monthly.
  • Complete an approved defensive driver course: If you complete a defensive driver course, you can receive a discount on your premium over the next three years. Just send The Hartford a copy of your certificate to qualify. 

Learn More About Insurance in Ohio

 

Car Insurance Quotes Columbus, Ohio

For over 200 years, The Hartford has provided individuals with the insurance they need to protect themselves and their property. We’ve earned our reputation as a trusted auto insurance company in Columbus. To learn more about the coverages and benefits available to you, get a car insurance quote from The Hartford today.
 
 
Last Updated: March 22, 2024
 
2 Ohio Department of Insurance, “Auto Insurance Minimum Coverage Requirements”
 
3 Bankrate, “Average cost of car insurance in Ohio for 2023”
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.

Ohio Car Insurance

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Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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