Columbus, Ohio Auto, SR-22, Home, Renters & Motorcycle Insurance
As both the state capital and Ohio's largest city, Columbus is a focal point of the Buckeye State. The fact that it is located near the state's geographic center only makes it more of a commercial hub.
Columbus has a population of more than 880,000, and more than 90 percent of households have access to at least one vehicle. That's a lot of cars and people that crisscross the area every day, and they all need car insurance to protect them. If you are one of them, and you want to get a tailored Ohio policy, come to Cloverleaf Insurance.
You can start an online quote now or call us at (800) 530-5822. It's fast, free and easy for all customers.
Columbus Residents: Choose Cloverleaf Insurance
Columbus' high number of local drivers, large infrastructure system and heavy traffic resulted in more than 24,000 vehicle crashes in 2017. Whether it happens on your street or on the interstate, the cost of any car accident is an expense you shouldn't have to worry about. The right car insurance can help you pay for your recovery so you don't have to pay out of pocket. Here at Cloverleaf Insurance, our job is to make sure you can easily get a policy that addresses all your needs specifically in your neighborhood.
Ohio's Auto Insurance Requirements
The State of Ohio requires all drivers to carry auto liability insurance. It will pay third parties, including other drivers, for the losses you cause them if an accident is deemed your fault. Your policy must include at least:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage total per accident
- $25,000 property damage coverage
Other Coverage Choices
Ohio's required liability coverage must be part of all drivers' auto policies. Still, drivers can carry more coverage if they choose to do so. The more coverage they have, the more money they might be able to recover in case of disastrous losses.
- Higher Liability Coverage limits can pay more money if you face expensive liability losses.
- Collision Insurance covers your car’s damage if you have a wreck.
- Comprehensive Coverage pays for your car’s repairs if incidents not related to wrecks — theft, falling objects, fire, vandalism, severe weather — damage it.
- Medical Payments Protection helps you cover your own injury costs resulting from wrecks.
- Uninsured/Underinsured Coverage pays you when another driver is at-fault for your losses, but does not have the right liability insurance to repay you.
Non-Standard Auto Insurance
You might have heard that if you have a specialty vehicle, or if you have a tarnished driving record, then you might not be able to get your car insurance affordably. Don't panic! Cloverleaf Insurance offers affordable policies for a huge diversity of drivers, including:
Columbus, OH Car Insurance Frequently Asked Questions
Car insurance premiums vary a lot from driver to driver. Insurers will use multiple factors to determine your exact rate. Some of these might include your accident and ticket history, your credit score, the value of your car and your location. Even moving across town can impact rates.
Because it is a major urban area, Columbus' average car insurance rate is about $1,365 per year, which is higher than the statewide average. However, with the help of your Cloverleaf Insurance agent, you can compare numerous outstanding policy options to find the one that's your perfect fit.
We'll make sure you get affordable coverage that always creates a safety guard for you and your vehicle wherever you go. Call us at (800) 530-5822 or request your free quote estimate now!