Auto insurance in Ohio
Having auto insurance isn't just about following the rules. It's about looking out for yourself and the lives of those around you. Every time you get behind the wheel, you're taking on a big responsibility, and the right coverage means you're prepared for more than just a fender bender.
Vehicle Types We Cover
Vehicles come in all shapes and sizes, and we have the right protection for you. Whether you drive your car every day, take your classic car or motorcycle out for a summer joyride, or bring your golf cart or ATV along for your next adventure, we're here to keep you covered.
How Much Coverage Do You Actually Need?
Required coverage that protects both the property and injuries of another party if you cause an accident.
Not only protects the other party's property and injuries, but also covers damage to your vehicle from a collision or comprehensive incident.
Comprehensive to Covers the non-crash damage: theft, vandalism, hail, fire, flooding, and hitting a deer.
What’s Included in Your Policy?
Every auto policy we write covers the basics and then some. Here is what your coverage can include, and we explain each one in plain English before you sign.
Collision Coverage
Pays to repair or replace your vehicle after an accident, whoever is at fault.
Comprehensive Coverage
Comprehensive to Covers the non-crash damage: theft, vandalism, hail, fire, flooding, and hitting a deer.
Liability Protection
Pays for the other driver's injuries and property when a crash is your fault.
Roadside Assistance
A tow, a tire change, a jump start, or fuel delivery, handled with one call.
Rental Vehicle Support
Keeps you in a rental while your car is in the shop.
Medical Payments Coverage
Helps with medical bills for you and your passengers after a crash, no matter who caused it.
The Team You Call After a Crash
Accidents are stressful enough. When you are on the side of I-480 with a dented bumper, you call the same North Olmsted team that set up your policy, and we help you figure out the next step.
Coverage That Fits Your Driving ·
Your rate reflects what you drive and how you drive, not a generic profile.
A Local Ohio Office
We know the roads, the deer, and the winter driving you deal with here.
Roadside When You Need It
A flat, a dead battery, or a tow, help is a phone call away, day or night.
How Much Does Auto Insurance Cost?
Good news: Ohio is one of the cheaper states to insure a car. Full coverage often runs around $80 to $130 a month, and minimum coverage far less. Your rate depends on your driving record, your vehicle, where you park it, and the limits you choose.
- A real quote based on your actual record
- Every discount you qualify for, including bundling with home
- A clear look at liability versus full coverage
Auto Coverage for Drivers Across Ohio
We are based in North Olmsted, off I-480 near Great Northern Mall, and our license covers the whole state. Drivers from Cleveland to Columbus, Cincinnati to Toledo work with the same local team.
Wherever you drive in Ohio, you reach a real person in North Olmsted, not a call center three states away.
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What Ohio Drivers Say About Us
Kessler insurance turned my underinsured home from a risky liability into fully protected peace of mind. They expertly identified coverage gaps and secured the perfect policy at a great price. Highly recommended!
Homeowners insurance
Francheta has been an amazing agent. She has helped me and my family get everyone squared away and set up. If you are looking for life insurance and everything in between go here!!!
Great price
This is probably the absolute best place I have been when dealing with insurance related needs. Francheta was soo extremely helpful, patient and kind with me while helping me find the right insurance for what I need. Best customer service I’ve ever received. Will only be doing business with them from here on out
Life, Vehicle, Renter's insurance
Had a great experience here. Frannie helped us out and answered every question we had. Thank you so much!
Great experience
Everyone at Kessler Insurance is ALWAYS helpful and gracious, no matter how many questions we ask! Thanks so very much for the excellent customer service! - Micki & Jim Grant
Vehicle insurance
Great customer service and really explains the ins and outs. We have our auto and home insurance with Sam Kessler and not only does he give us a great rate, but him and his staff are available for any question or need you have. The one insurance company I did not regret going with, finally!!
Great customer service
See Your Auto Insurance Price
Tell us a little about you and your vehicle and we will come back with real options and a real price. No pressure, no jargon, no spam.
Auto Insurance Quote
Auto Insurance Questions Ohio Drivers Ask
Straight answers on what Ohio requires, what it costs, and what actually protects you on the road.
How much car insurance does Ohio require?
Ohio requires at least 25/50/25: $25,000 for injuries to one person, $50,000 per accident, and $25,000 for property damage. That is the legal minimum to drive, but it is low for today's repair and medical bills, so most drivers carry more.
Is the state minimum enough coverage?
Usually not. If you cause a serious crash, $25,000 per person runs out fast and you pay the rest yourself. We often suggest 100/300/100 for solid protection, which costs less than most Ohio drivers expect.
Do I need uninsured motorist coverage in Ohio?
Ohio does not require it, but insurers have to offer it and you can only turn it down in writing. It covers you when the other driver has no insurance or not enough, which happens more than you would think. We usually recommend keeping it.
What is the difference between liability and full coverage?
Liability pays for the other driver when a crash is your fault. Full coverage adds collision and comprehensive, so your own car is covered too, including hail, theft, and hitting a deer. If you have a loan or lease, full coverage is usually required.
Can I save by bundling my auto and home?
Often yes. Putting both with the same carrier usually earns a multi-policy discount. We quote it both ways and show you the real number.
Ready to Insure Your Vehicle?
Get an auto insurance quote from a local North Olmsted team that knows Ohio roads and answers the phone.
