Updated: October 8, 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 overall nationally, placing it among the best car insurance companies for most drivers. It scores well in affordability and customer experience.
This only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend 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 excels for young drivers, those with accidents or speeding tickets and drivers seeking affordable coverage on a budget. It delivers cheap rates across these traditionally expensive categories. Drivers with DUIs or newer vehicles will find better deals elsewhere.
| 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 low-income drivers. However, drivers with DUIs or newer and older cars will find it much more expensive. You can review how affordable Ohio Mutual is for your specific 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, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 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) | Available in all states where Ohio Mutual operates |
Multi-Car | Varies | 2+ vehicles on policy at same address | Available in 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) | Available in all states where Ohio Mutual operates |
Away-to-School | Varies | Student residing at education institution 100+ miles from home without a vehicle | Available in all states where Ohio Mutual operates |
Safety Features | Varies | Vehicles with four-wheel anti-lock brakes, passive restraints, or other safety devices | Available in all states where Ohio Mutual operates |
Anti-Theft Devices | Varies | Certain approved anti-theft devices installed | Available in all states where Ohio Mutual operates |
Paperless Policy/Pay Plans | Varies | Electronic billing, paperless delivery, various payment plan options | Available in all states where Ohio Mutual operates |
Mature Driver (45+) | Varies | Insureds 45 and older with supporting homeowner/farmowner policy | Available in 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 earned 10th place for customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer feedback reveals the company receives praise for helpful agents and straightforward policy management tools.
Reviews consistently point to claim processing delays and communication gaps during the claims experience as primary concerns. Based on our research, 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 specific needs and budgets.
Ohio Mutual receives positive feedback for its customer service approach, with phone support available during standard business hours and direct access to representatives without lengthy phone menus.
Ohio Mutual's website and mobile app are described as intuitive and easy to navigate. It offers convenient features like online bill pay, policy document access and 24/7 claims reporting.
Claims experiences with Ohio Mutual show a mixed pattern. 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 4+ months for settlements and eight to 10 weeks considered normal processing time.
Ohio Mutual ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Ohio Mutual's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a+ | aaa to d | High credit quality |
S&P Global Financial Strength | Not Available | AAA to D | Rating not publicly available |
Moody's Financial Strength | Not Available | Aaa to C | Rating not publicly available |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Score not publicly available |
J.D. Power Digital Service Experience | Not Available | 1,000-point scale | Score not publicly available |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | Score not publicly available |
J.D. Power Overall Customer Satisfaction | Not Available | Out of 1,000 | Score not publicly available |
NAIC Auto Complaints | Not Available | 1.00 is average | Specific complaint ratio not publicly available |
Reddit users and forum members generally have positive experiences with Ohio Mutual's competitive pricing and customer service, though some concerns emerge around claims processing delays and coverage disputes. The company maintains strong financial ratings and has been in business for over a century, serving customers across seven Midwest and New England states.
Common positive feedback includes lower premium rates compared to competitors, helpful customer service, and effective mobile app functionality. Some complaints involve slow claims resolution, coverage disputes, and difficulties with policy administration in certain cases.
Here's what real customers are saying about their experiences on forums:
Customers frequently praise Ohio Mutual's competitive pricing, often finding significant savings compared to their previous insurance companies:
"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 did not 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 dominate 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 add-ons from the company include:
Auto Plus Coverage 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 Coverage | 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 Coverage | Covers 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 Coverage | 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 | Covers 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 (Directly Offered) | Personal auto insurance, homeowners insurance, renters insurance, condominium insurance, business insurance, farm insurance |
Third-Party Partner | None disclosed |
Ohio Mutual excels in affordability, customer experience and coverage, earning 11th place for full coverage and 10th for minimum coverage overall. You should compare quotes and decide on coverage needs before buying to get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Ohio Mutual car insurance:
Yes, Ohio Mutual is a legitimate car insurance company that secured eighth place in our comprehensive car insurance provider rankings. The insurer particularly excels in affordability, achieving fifth place ranking among all providers we evaluated.
Based on our analysis, Ohio Mutual does not 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 indicates mixed claims handling experiences. While 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 is not good for drivers with DUIs, ranking 28th overall with rates 22% above the local average for this category. It offers excellent value 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 due to inflation driving up repair and medical costs, plus increased claims from distracted driving and severe weather. They also adjust rates based on area risk assessments, regulatory changes, and individual factors like credit score shifts or aging into higher-risk categories.
Yes, Ohio Mutual is excellent for young drivers, ranking fifth for overall affordability with rates averaging $179 monthly for full coverage, 34% below the local average for this traditionally expensive demographic.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
