Updated: November 27, 2025
Advertising & Editorial Disclosure
Ohio Mutual ranks 11th for full coverage affordability and 10th for minimum liability coverage with average rates of $107 and $42 monthly, respectively.
Ohio Mutual ranks 10th nationwide for overall customer satisfaction due to strong agent service and positive forum reviews.
Ohio Mutual earns 11th place for coverage options, offering features like accident forgiveness programs and new car replacement coverage.
Ohio Mutual ranks eighth nationally among the best car insurance companies for most drivers. The insurer scores well in affordability and customer experience.
This analysis is based on a 40-year-old male driver with good credit and no driving violations. The best provider for you depends on your profile and coverage needs.
| Overall Score | 4.55 | 8 |
| Customer Experience | 4.55 | 10 |
| Coverage | 2.92 | 11 |
| Affordability | 4.82 | 5 |
Ohio Mutual offers competitive rates for young drivers, those with accidents or speeding tickets, and budget-conscious drivers. These groups usually pay much higher premiums with other insurers. Drivers with DUIs or newer vehicles should compare alternatives for better value.
| Overall Score | 4.29 | 15 |
Ohio Mutual monthly premiums range from $38 to $2,089, depending on your profile and coverage choices. To help you make the best decision, we've broken down national average car insurance costs by age group, gender, coverage level, credit score and driving record.
| $259 | $3,111 | -6% | 20 |
Ohio Mutual ranks among the cheapest auto insurance companies for drivers with speeding tickets and those with low incomes. Drivers with DUIs or newer and older cars will find it much more expensive. Review how affordable Ohio Mutual is for your driving category below.
| Adult Drivers | $31 | $80 | -35% | 5 |
| Drivers With a DUI | $111 | $281 | 22% | 28 |
| Drivers With an Accident | $45 | $115 | -33% | 5 |
| Drivers With a Speeding Ticket | $35 | $91 | -39% | 4 |
| Drivers With Bad Credit | $56 | $152 | -39% | 9 |
| Drivers With Low Income | $40 | $104 | -34% | 4 |
| Drivers With Newer Cars | $55 | $142 | -13% | 14 |
| Drivers With Old Cars | $33 | $84 | -22% | 12 |
| Senior Drivers | $47 | $108 | -26% | 6 |
| Young Drivers | $73 | $179 | -34% | 5 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations who drives a 2012 Toyota Camry. Young drivers are 25 and under, adults are 26 to 64, and seniors are 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Ohio Mutual offers 13 car insurance discounts and your savings will depend on your unique situation and eligibility. Check out its offerings:
Multi-Policy/Bundle | Varies | Must have 2+ policies with Ohio Mutual (auto + home/umbrella/farm) | All states where Ohio Mutual operates |
Multi-Car | Varies | 2+ vehicles on policy at same address | All states where Ohio Mutual operates |
Good Student | Varies | Students aged 16-24, 3.0+ GPA, full-time enrollment or upper 20% of standardized tests (PSAT, SAT, ACT) | All states where Ohio Mutual operates |
Away-to-School | Varies | Student residing at education institution 100+ miles from home without a vehicle | All states where Ohio Mutual operates |
Safety Features | Varies | Vehicles with four-wheel anti-lock brakes, passive restraints, or other safety devices | All states where Ohio Mutual operates |
Anti-Theft Devices | Varies | Certain approved anti-theft devices installed | All states where Ohio Mutual operates |
Paperless Policy/Pay Plans | Varies | Electronic billing, paperless delivery, various payment plan options | All states where Ohio Mutual operates |
Mature Driver (45+) | Varies | Insureds 45 and older with supporting homeowner/farmowner policy | All states where Ohio Mutual operates |
SUV/Truck Discount | Varies | Certain trucks and sport utility vehicles | Certain states/products only |
Accident Forgiveness | Varies | Varies by program requirements | Certain states/products only |
Telematics | Varies | Participation in usage-based insurance program | Certain states only |
Prior Coverage | Varies | Proof of continuous prior auto insurance coverage | Certain states only |
Occupational | Varies | Certain qualifying occupations | Certain states only |
Ohio Mutual earns 10th place for customer satisfaction in MoneyGeek's customer experience study. Customer feedback reveals the company receives praise for helpful agents and straightforward policy management tools.
Reviews highlight claim processing delays and communication gaps as primary concerns. We break down the buying, policy management and claims process experiences.
Customer reviews praise Ohio Mutual's competitive pricing, with many savings reported compared to previous insurers. The quote process through independent agents is described as straightforward and professional.
Customers appreciate the ability to customize coverage levels and deductibles to meet their needs and budgets.
Ohio Mutual receives positive feedback for its customer service approach. Phone support is available during standard business hours with direct access to representatives and no lengthy phone menus.
Ohio Mutual's website and mobile app are intuitive and easy to navigate. The company offers features like online bill pay, policy document access and 24/7 claims reporting.
Claims experiences with Ohio Mutual are mixed. Positive reviews highlight prompt initial contact within one business day, dedicated claim representatives and multiple convenient filing options, including online, mobile app and 24/7 phone reporting.
Some customers report delays in claims resolution, with BBB complaints mentioning timeframes of four or more months for settlements and eight to 10 weeks considered normal processing time.
Ohio Mutual ranks well for financial strength from AM Best. J.D. Power, S&P, Moody's and NAIC scores aren't publicly available for Ohio Mutual.
AM Best Financial Strength | A (Excellent) | A++ to D- | Ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a+ | aaa to d | Credit quality |
Reddit users and forum members report positive experiences with Ohio Mutual's competitive pricing and customer service. Claims processing delays and coverage disputes represent the main concerns. Ohio Mutual maintains strong financial ratings and has operated for over a century across seven Midwest and New England states.
Customers praise lower premium rates compared to competitors, responsive customer service and functional mobile app features. Complaints center on slow claims resolution, coverage disputes and policy administration challenges.
Real customers' experiences on forums:
Customers praise Ohio Mutual's competitive pricing and report savings compared to previous insurers:
"I got the quote and was taken aback. When they gave me the price of the quote, it was almost half the price of my then insurance company. My old policy had higher deductibles and ran me $134 a month. My new policy with the new company would be $70 a month."
Claims processing experiences are mixed, with some customers reporting delays and communication issues:
"I have been a customer of home and auto covering multiple homes and multiple autos at the same time for many years, I never needed to make a claim. The minute I needed help pursuing another party who caused damage to my vehicle while I carried it took Ohio Mutual four months to get something done."
Customer service experiences vary, with generally positive feedback but some notable communication problems:
"I had a very positive experience with my renters insurance! My agent was quick to respond and very quickly thereafter a representative from Ohio Mutual contacted me. They were very knowledgeable, understanding and very quick to assist me with my claim!"
"Ohio Mutual reached out to our insured and obtained the facts of loss. Ohio Mutual didn't have any contact information for claimant so we were unable to attempt contact."
Digital capabilities receive generally positive feedback, though some users experience login difficulties:
"What a huge waste of time. I've been a customer for nearly a year and have never been able to successfully log in despite repeated tries! The password reset never works."
"Ohio Mutual's website is intuitive and easy to navigate. Customers can locate important information quickly and easily. The insurance company offers several modern customer service options such as 24/7 claims reporting, online bill pay, and find an agent features."
As is the case with many larger insurers, trust varies widely, and there's often negative sentiment online, with Ohio Mutual not being an exception:
"Ohio Mutual fights you on everything. It'll change its tune real quick when the state insurance department gets involved, which tells you everything you need to know."
People enjoy the amount of coverage options for add-ons at their disposal, but a lack of understanding in terms of coverage and general responsiveness and reimbursing for claims again is a recurring issue.
Negative reviews appear more frequently on forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Ohio Mutual provides standard coverages like other leading insurers, including liability, comprehensive and collision protection. Additional options from the company include:
Auto Plus Endorsement | Comprehensive package including rented vehicle coverage, emergency travel expense, emergency ambulance coverage, and additional benefits | All-in-one enhancement package; multiple coverage benefits in single endorsement |
Towing and Labor | Provides roadside assistance including towing services, jump starts, flat tire changes, lockout service, and emergency fuel delivery | 24/7 roadside assistance; comprehensive emergency services |
Injured Pet | Pays for veterinary expenses for pets injured in a covered auto accident while being transported in your vehicle | Specialized pet medical coverage; unique protection for animal companions |
Accidental Death Benefit | Provides a death benefit if you or covered family members die as a result of injuries sustained in a covered auto accident | Additional life insurance protection; accident-specific death benefit |
Newly Acquired Vehicle | Automatically extends coverage to newly purchased or leased vehicles for a specified period before you notify the company | Automatic coverage extension; protection for new vehicle purchases |
Emergency Travel Expense | Reimburses expenses for lodging, meals, and transportation when your vehicle is disabled far from home due to a covered loss | Travel continuation support; away-from-home coverage; included in Auto Plus |
Rental Car Reimbursement | Pays for the cost of a rental vehicle while your car is being repaired after a covered accident or comprehensive loss | Transportation continuity; daily rental allowance; optional coverage add-on |
You can bundle these insurance types with your auto policy or buy them separately:
Who Offers It? | Insurance Products |
|---|---|
Ohio Mutual (Direct) | Personal auto, homeowners, renters, condominium, business, farm |
Third-Party Partner | None disclosed |
Ohio Mutual ranks eighth overall nationally, with strong performance in affordability and customer experience. The insurer ranks 11th for full coverage affordability and 10th for minimum coverage affordability. Compare quotes from multiple insurers and review your coverage needs before purchasing to find the best rates.
MoneyGeek's expert answers to common questions about Ohio Mutual car insurance:
Yes, Ohio Mutual ranks eighth in our car insurance provider rankings. The insurer ranks fifth for affordability among all providers we evaluated.
Ohio Mutual doesn't rank first in any state or territory.
Ohio Mutual costs adults an average of $372 annually for state minimum coverage and $960 for full coverage. Annual premiums range from $456 to $25,068 for minimum coverage and $960 to $25,068 for full coverage.
Customer feedback shows mixed claims handling experiences. Some customers report prompt initial contact and dedicated claim representatives. Others mention delays in claims resolution, according to Better Business Bureau complaints.
No, Ohio Mutual isn't good for drivers with DUIs, ranking 28th with rates 22% above the local average for this category. It's great for drivers with accidents (fifth place, 33% below average) and those with speeding tickets (fourth place, 39% below average).
Yes, Ohio Mutual raises rates over time as inflation drives up repair and medical costs. Claims from distracted driving and severe weather also contribute to rate increases. The insurer adjusts rates based on area risk assessments, regulatory changes, credit score changes and age-related risk factors.
Yes, Ohio Mutual offers competitive rates for young drivers, ranking fifth for affordability with rates averaging $179 monthly for full coverage, 34% below the local average.
Ohio Mutual operates across seven states with varying rate structures and competition levels. We pulled rate data from Quadrant Information Services covering 79 insurers in every U.S. ZIP code to show where Ohio Mutual's pricing delivers real value and where competitors offer better deals.
Our Standard Driver Profile
Rate comparisons use a baseline profile to ensure consistency:
We adjusted key variables (age, driving record, credit score and military status) to identify which insurers offer the best rates for young drivers, high-risk drivers, seniors and military members. Minimum coverage represents policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Rating Factors
Cost matters most when choosing insurance, but it's not the only factor. Our rating system weights three elements:
Cost (60%): We compared quotes across multiple driver profiles in each city. This reveals how Ohio Mutual's pricing stacks up against local competitors for drivers in different risk categories.
Customer satisfaction (30%): Real customer experiences tell you what happens after you buy a policy. We reviewed Google feedback, J.D. Power ratings, AM Best scores and Reddit discussions to assess claims handling, customer service responsiveness and overall satisfaction.
Coverage variety (10%): Ohio Mutual offers standard auto insurance coverages. We evaluated available options and any unique benefits that set the insurer apart from competitors in its operating states.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
