Ohio Auto Insurance

Switch to NJM and you could save an average of 25% on your auto insurance.*

How Much Is Auto Insurance in Ohio?

Car insurance costs vary from person to person based on a number of factors, such as your driving history and your vehicle's age, make/model, and usage. Of course, the coverage you choose will also impact how much you pay. We'll work with you to create a policy that meets your needs.

Who Needs Auto Insurance?

If you own a car in Ohio, auto insurance is legally required. Aside from that, having coverage you can count on is worth the peace of mind. Our team of representatives will work with you to ensure that you can drive with confidence.

What Can Auto Insurance Cover in Ohio?

Liability

Pays for damage to others accidentally caused by you as a result of an auto accident. It also pays for a lawyer to defend you if you are sued for damages.

Underinsured and Uninsured Motorist

Provides protection if you are injured in an accident caused by a driver with too little or no insurance coverage.

Other than Collision (Comprehensive)

Pays, above your chosen deductible, for damage to your vehicle that is not the result of a collision with another car or object. Causes of damage might include theft, vandalism, flooding, fire, a broken windshield, or collision with an animal.

Collision

Pays, above your chosen deductible, for damage to your vehicle resulting from your vehicle's impact with another vehicle or object.

Full Glass Coverage

Pays for damage to your car's safety glass, with no deductible.

Why NJM?

Ohio drivers deserve insurance they can trust. Wherever you drive, NJM has your back. We understand that providing insurance takes empathy, compassion, and good old-fashioned hard work. Whether you're traveling to a weekend vacation on Lake Erie or cruising the Appalachian Highway, you can rest assured that we'll be there for you when you need us most.

Save with Discounts

How Much Is Auto Insurance in Ohio?

Car insurance costs vary from person to person based on a number of factors, such as your driving history and the insured vehicle's age, make/model, and usage. Of course, the coverage you choose will also impact how much you pay. We'll work with you to create a policy that meets your needs.

NJM offers a number of discounts for auto policies.

Homeowners Bundle

Auto + Home Bundle Discount

If you already have an NJM Homeowners, Condo, or Renters policy, adding an auto insurance policy is easy and helps you save.

Multi-Car Discount

Multi-Car Discount

Have two or more vehicles in your household? We'll apply a discount to each car that's insured under the same policy.

Good Student

Good Student

We think you deserve some savings for doing well in school. If you're a high school or college student who's made the honor roll or Dean's List, or has at least a B average or 3.0 GPA, you may qualify for a discount.

You're going to love NJM.

Here's what our customers say:


J.D. Power 2021 Auto Claims Certification
NJM Insurance has been certified by J.D. Power for providing personal lines customers with an exceptional Auto Claims Experience, 4 years in a row.

In an industry that relies on customer satisfaction, we pride ourselves on being committed to our customers. Get a quote today and learn what sets us apart.

Customize Your Policy

If you think you need additional coverage, we can offer that, too. Endorsements allow you to add increased limits and extra coverages to your policy. Personalize your coverage for your unique needs.

Gap Insurance

This endorsement will pay for some or all of the difference between the balance of a loan or lease on a vehicle and what NJM pays to replace the vehicle if the car is considered a covered total loss.

NJM Roadside Assistance

You have the option of adding roadside assistance for additional protection in the event of a covered emergency, such as a flat tire, dead battery or getting locked out of your car. This service, which includes emergency towing, is available 24/7.

Transportation Expense Endorsement

You can purchase a higher rental reimbursement limit. Increased limits are only available for insured vehicles with physical damage (comprehensive) coverage.

Know Your Policy

Car insurance helps reimburse you for vehicle repairs after a covered accident. NJM policies with physical damage (comprehensive and collision) coverage also include:

Pets
Limited Pet Coverage§
Transportation Expenses

Transportation Expenses

New Car
New Car Replacement§
Online Convenience

Convenience

Experience the convenience of accessing your policy online. Learn More.

FAQs

Confidence

You have questions, and we have answers. Check out our Frequently Asked Questions.

Peace of Mind Reporting

Peace of Mind

NJM offers hassle-free claims reporting.

‡ The discount does not apply on New Jersey Re-Insurance Company auto policies.

§ Applies to New Jersey policies issued or renewed after 6/1/19, Pennsylvania policies issued 1/1/18 and later, and Connecticut, Maryland, and Ohio policies.

* Figure reflects average annual auto insurance premium savings on a national basis for applicants who reported their prior premiums and switched to NJM between 05/31/21 and 05/31/22. Individual savings may vary.

J.D. Power 2021 Auto Claims Certification Program℠ recognition is based on successful completion of an audit, exceeding a customer experience benchmark through a survey of recent claims servicing interactions, and a Financial Strength rating. For more information, visit jdpower.com.

The information contained on this page should not be construed as legal, financial or insurance advice. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy; the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.