Ohio Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Car Insurance for Ohio Drivers

The AARP® Auto Insurance Program from The Hartford1 welcomes Ohio drivers! You’ve come to the right place if you’re looking to request a car insurance quote, or find out more about buying car insurance in the Buckeye State. The Hartford has been insuring Ohio AARP members since 1984, and our car insurance coverage has earned us a reputation for integrity and trust with our customers. That’s why customers rate The Hartford highly for claims services – and why Ohio drivers can feel confident that we’ll be there when you need dependable car insurance protection.

Whether you’re traveling from the Rock and Roll Hall of Fame to the foothills of the Appalachian Mountains, The Hartford knows it’s important for experienced drivers like you to feel protected as you travel along Ohio’s roadways. The Hartford will make sure you get the car insurance coverage and protection you need.

Car Insurance Benefits Offered for Ohio Drivers

As an Ohio driver, you could be eligible to receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford. Our car insurance coverage benefits can include the following:
  • 12-month Rate Protection
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Ohio

State law in Ohio requires drivers to carry liability coverage in the following amounts:2
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $25,000 for property damage per accident

Proof of Car Insurance for Ohio Drivers

It’s recommended that Ohio drivers keep proof of their car insurance with their registration in the car at all times. For added convenience, Ohio drivers can also furnish electronic proof of their car insurance. With The Hartford’s mobile app, you can store your ID cards right on your mobile device. Visit the App Store™ or Google Play™ for more information.

Ohio Uninsured Driver Facts

According to a 2012 Insurance Research Council report, 13.5 percent of Ohio drivers are driving without car insurance. This is slightly above the national average of 12.6% of drivers without car insurance.3

If you’re ever in an accident caused by a driver without car insurance or a driver with inadequate car insurance coverage, uninsured/underinsured motorist coverage can help you avoid financial loss. Although this coverage is not required in Ohio, it provides a valuable benefit and additional peace of mind.

Additional Car Insurance Coverages Available to Ohio Drivers

In addition to providing you with the state-required car insurance coverages, the AARP Auto Insurance Program from The Hartford offers Ohio drivers additional coverage to provide extra security, including:
  • Comprehensive with Full Glass Coverage
  • Collision
  • Roadside Assistance
  • Rental Reimbursement
  • Medical Payments
  • Uninsured/Underinsured Motorists Coverage

Staying Safe on Ohio Roads

As you travel through Ohio, there are a number of safe driving laws meant to protect you on Ohio’s highways and byways. Here are just a few:4

Ohio Seat Belt Laws:

Although Ohio does not have mandatory seat belt laws, law enforcement can ticket you for not wearing a seat belt if you are pulled over for another violation. 

Ohio Distracted Driving Laws:

Ohio has laws in place to discourage distracted driving:
  • New drivers are not allowed to use hand-held or hands-free cell phones.
  • Texting while driving is banned in the State of Ohio.

Ohio Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Ohio wants to be sure they stay safe in the process! Ohio has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
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 is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.