The right auto insurance for you

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Grange partners with independent insurance agents to create a custom auto insurance policy for you.

Common Ohio auto insurance questions

Yes, it’s illegal to drive without car insurance in Ohio. Drivers are required to have bodily injury coverage and property damage liability coverages.

These are the required coverage amounts in Ohio:



Bodily injury to others

$25,000 per person; $50,000 per incident

Property damage liability

$25,000 per incident


You must have the minimum limits listed above to register a vehicle in Ohio.

If you are in an accident and determined to be at fault, you may be responsible for the full cost to repair damage caused to others’ property and the cost of medical payments for any injuries caused.

If you fail to provide valid proof of insurance when required, you could receive a ticket, fines, license suspension or even jail time, depending on the situation.

This depends on the insurance company’s policy language. In most cases, if a driver is not listed on an insurance policy for the vehicle they are driving, but they have their own liability insurance, liability coverage will follow the driver’s policy. If a driver does not carry their own liability insurance, then liability coverage would follow the vehicle’s policy.

Contact your independent insurance agent if you have questions about a specific situation.

The insurance you need will depend on multiple factors. Choosing the right insurance is easy when you work with an independent insurance agent, as they can ensure you have the right coverage to fit your budget. Learn more about the car insurance options Grange has to offer or work with an independent agent to get a car insurance quote in Ohio.

The cost of car insurance will vary based on your driving and vehicle history, the coverages you choose and which discounts you qualify for.

Grange offers competitive rates and a variety of discounts to help you save money on auto insurance. An independent insurance agent can help you get a car insurance quote in Ohio and apply discounts you qualify for.

No, Ohio is an at-fault state. This means that if you are injured in an accident and the other party involved is at-fault, you may be able to work with their insurance to cover expenses related to your injuries.

If you are in an accident and have questions about how Ohio’s at-fault status impacts your coverage, your independent insurance agent or claim representative can walk you through your unique situation.

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Many ways to save

Save money with a variety of discounts.

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A custom policy made for you

Learn about coverages most important to you.

See all coverages


Read reviews from Ohio customers

We are committed to using feedback to improve our customer service. Here’s what some Ohio auto insurance customers have to say about Grange Insurance.

Five star rating

Josh D.

I’ve had nothing but great experiences with Grange. Through every claim I was treated more like family rather than a number or a headache. Their customers’ needs are their number one priority.

James M.

It was so easy to submit our claim. They were knowledgeable, patient, timely, empathetic and professional. We appreciated everything they did for our daughter to get her back on the road. Stellar company!

Howard C.

Had an accident for the first time in thirty years. Grange took great care of me.

Rhonda S.

Best insurance there is! Great coverage and excellent customer service. Thank you, Grange Insurance!

Why independent agents?

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They work for you

Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers.

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More coverage options

Independent car insurance agents consider your needs and driving habits to find the best coverage. Because they aren’t tied to a specific insurance company, they provide more options.

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It's easier to comparison shop

Unlike shopping for car insurance online, working with an independent agent makes it easy to compare auto policies from multiple carriers. You won’t have to wonder if you’re on the right track since you’ll have an expert in your corner to answer your questions.

*Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan* and Grange Property & Casualty Insurance Company*. *Not licensed in Ohio