Finding the right auto insurance can be a challenge, especially for drivers with a history of accidents. In Ohio, several insurance companies specialize in providing coverage to those who may be deemed high-risk. Here’s a closer look at the best auto insurance companies for drivers with a history of accidents in the Buckeye State.
1. Progressive Insurance
Progressive is renowned for its flexible policies and competitive rates. This insurance provider offers various discounts that can benefit drivers with a troubled driving history. Their Drive Snapshot program allows drivers to save money by demonstrating safe driving habits over time.
2. Geico
Geico is another excellent option for Ohio drivers looking for auto insurance. Known for its extensive coverage options and customer service, Geico often offers affordable rates, even for those with a history of accidents. Their user-friendly online tools help customers easily manage their policies.
3. State Farm
As one of the largest auto insurance providers in the country, State Farm is a solid choice for high-risk drivers. They have a strong reputation for customer service and offer a range of discounts, including safe driver and multi-policy discounts, which can enhance affordability.
4. Allstate
Allstate is popular for its personalized service and a variety of coverage options. Drivers with an accident history may benefit from their dedicated agents who can help tailor a policy that meets specific needs. Allstate also provides the Drivewise program, which rewards safe driving behavior.
5. Nationwide
Nationwide offers competitive rates and a host of coverage options for Ohio drivers. Their SmartRide program incentivizes safe driving with discounts, making it an attractive choice for those looking to improve their driving record over time.
6. Farmers Insurance
Farmers Insurance is known for its customizable coverage options, which can cater to drivers with varying needs and driving histories. Their experienced agents can provide insights and policies aimed specifically at high-risk drivers.
7. Erie Insurance
While not as nationally recognized, Erie Insurance has a strong presence in the Midwest, including Ohio. They are well-regarded for their customer service and provide favorable rates for those with a history of accidents. Erie offers unique coverage options that can be beneficial for high-risk drivers.
When searching for auto insurance, drivers with a history of accidents should focus on companies that offer flexible policies, dedicated customer service, and discounts for safe driving practices. Comparing quotes from multiple providers will help identify the best coverage options and rates to suit individual needs.
Additionally, consider taking defensive driving courses, which can lower premiums and improve overall driving skills. With the right approach, drivers in Ohio can find suitable and affordable auto insurance despite their past incidents on the road.
