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It doesn’t matter if you’re driving SR 73, US 22, or I-71, Ohio roads are ripe for auto accidents. Which means auto insurance is a must -- and not just because it’s the law. You see plenty of bad drivers and near misses on your commute to work or school every day. You’ve probably had a few close calls yourself. That’s where a good Ohio auto insurance policy is needed. With the right coverage, you’re protected no matter who or what causes the accident.

Liability: You’re required by Ohio law to carry a minimum of liability coverage. For most accidents, thats nowhere near enough. Our auto insurance policies begin at $250,000 per person/$500,000 per accident because we know the state minimum isn’t enough.

Uninsured/Underinsured Motorist: Just because it’s Ohio state law that all drivers carry liability coverage doesn’t mean everyone does. When someone hits you, but they don’t have any or enough insurance to cover your damage, this will protect you.

Collision: Hit another vehicle or something out on the road, and your damage is covered. Either your vehicle will be fixed, or you’ll receive a payout of the value of your vehicle to buy a new one.

Comprehensive: Comprehensive covers what collision doesn’t -- theft, fire, vandalism, storm damage, hitting an animal while out on the road, and much more.

But not everyone has just a commuter vehicle they use to get to and from work. What about those special vehicles? SFM Insurance helps you protect those, too.

  • Antique and classic car coverage is available. This policy differs from a standard auto insurance policy based on the age of the vehicle and other factors. But you’ve spent too long making this beauty shine to lose everything in an accident.
  • Motorcycle insurance shouldn’t be considered a luxury but a necessity. One accident can total your bike, even if the other guy doesn’t have a scratch on them. Protect yourself and your ride with our help.

Do I Need an Ohio Auto Insurance Policy Even if I Don’t Own a Car?

If you drive a vehicle that belongs to someone else, you need non-owned coverage. This provides liability coverage for you and can include uninsured/underinsured motorist coverage as well. Non-owner insurance allows you to maintain an auto insurance policy, so you don’t lose discounts or your insured status within the state of Ohio or insurers. It’s also the right thing to do for the friend or colleague whose vehicle you’ve borrowed. No one ever means to cause an accident or damage property, but it can happen.

In Ohio, Auto Insurance isn’t a luxury; it’s a necessity. Let SFM Insurance help you find the best policy for your unique needs. Contact us for a free estimate today.

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Additional Coverage to Consider

an Ohio home that needs insurance

Home Insurance

Your home is much more than a building filled with stuff you’ve collected over the years. It means something and it deserves to be protected with a high quality Home Insurance policy.


a black umbrella to represent an Ohio umbrella insurance policy

Umbrella Insurance

Umbrella Insurance adds a layer of liability coverage for the big accidents you never see coming. It’s insurance for those once-in-a-lifetime accidents that can max out a standard policy’s liability limits.


a family that needs an Ohio life insurance policy

Life Insurance

Life Insurance can be purchased in two ways -- as an individual or as part of a group policy, usually through an employer. However it’s offered, it’s an important step in securing your family's future.