Choosing the right auto insurance can be challenging, especially for drivers in Ohio who have a history of accidents. Fortunately, some auto insurance companies specialize in providing coverage for high-risk drivers. Below is a list of the top auto insurance companies that offer policies tailored to meet the needs of those with accident records in Ohio.
1. Progressive
Progressive is known for its competitive rates and comprehensive coverage options, making it one of the best choices for drivers with past accidents. They offer forgiveness programs that can prevent your rates from increasing after your first accident, along with various discounts that may help lower your premiums.
2. Geico
Geico is another popular option for Ohio drivers with accident histories. They offer flexible coverage and a user-friendly online platform for managing policies and claims. With a range of discounts available, including those for safe driving after a past incident, Geico can provide affordable coverage options.
3. State Farm
As one of the largest auto insurance providers in the country, State Farm offers extensive resources and personalized service. They have a reputation for working with high-risk drivers, providing options that minimize the financial burden of accident histories. Their Drive Safe & Save program rewards safe driving behaviors, which can lead to discounts on premiums.
4. Allstate
Allstate provides a variety of coverage options and has programs designed for high-risk drivers. Their accident forgiveness program allows drivers to maintain their current rates even after an accident, making it an attractive option. Allstate also offers numerous discounts for various factors, including bundling multiple policies.
5. Mercury Insurance
Mercury Insurance is a great choice for drivers in Ohio with accident records looking for competitive rates. They specialize in high-risk insurance and provide tailored coverage solutions. With various discounts available, including good driver discounts for those who have not had an accident recently, Mercury can help make insurance more affordable.
6. Farmers Insurance
Farmers Insurance offers customized policies for drivers with bad records and focuses on providing exceptional customer service. Their claims experience can be advantageous for those with a history of accidents, as they work closely with clients to address their needs effectively.
7. Liberty Mutual
Liberty Mutual is known for providing diverse insurance options and is accommodating for drivers with prior accidents. They feature accident forgiveness programs and various discounts designed to reward safe drivers, making it easier for individuals to transition back to more favorable rates over time.
Conclusion
While having a history of accidents can make finding affordable auto insurance challenging, many companies in Ohio specialize in catering to high-risk drivers. By comparing quotes and exploring the various programs and discounts offered by these top auto insurance providers, drivers can find the right coverage that meets their specific needs.
Remember, maintaining good driving habits post-accident is crucial, as it can help trigger discounts and more favorable insurance rates over time. Always read the policy details carefully and consult with insurance agents to understand what options best suit your situation.
