Car Insurance

for new and used

Ellerhorst Russell Insurance Agency will work with you closely to understand your needs and make sure you have the car insurance coverage you need.

We know the ins and outs of insurance.

Putting Our Customers First

Serving The Community Since 1915.

A vehicle can be more than just point A to B. It can be a hobby, independence, or status. However you define it, your vehicle is something you want to protect with a good auto insurance policy. One with good value for the money — and one that will take care of you if your vehicle is damaged or you get hurt in an accident.

Car & Automobile Insurance

Despite its wide usage, unquestionable usefulness, and vast knowledge available on the internet, insurance can still be puzzling or even a mystery to some. Some questions these confused folks ask include: How does insurance work? What are its benefits? Which is the best insurance policy? Luckily, these questions are not rocket science and have simple, easy-to-understand answers for those who may still be in the dark.

For one, consider insurance as a financial safety net that enables you and your loved ones to receive some financial compensation after an unexpected setback, for example, a natural disaster, lawsuit, theft, fire, or car accident. The insurance policy you purchase is a legally binding contract between you and your insurance company. Car insurance is one of the more popular insurance policies in the industry.

What is car insurance?

Car/auto/vehicle/motor insurance is a type of insurance meant for all road automobiles, including cars, SUVs, trucks, and motorcycles, among others. The main purpose of car insurance is to offer financial protection from physical damage or bodily injury arising from car mishaps such as collisions and against liability that may also arise from car incidents or accidents.

Car insurance may also protect against car theft and damage to a car due to events that are not related to traffic collisions. Examples of such events include weather or natural disasters, keying, and damages arising from collisions with stationary objects. The precise terms of a car insurance policy vary according to jurisdictional laws.

Driving with car insurance coverage takes away the uncertainty of what will happen in the event of an unexpected incident. No matter how skilled in driving you may be, there are several driving situations that defy great driving skills. For example, in situations of high-speed brake failure, you can only do your best, but chances are that you’ll most likely ram your car into another vehicle or a nearby building. Moreover, car insurance is mandatory in all but two US states.

In a nutshell, a good insurance policy gives you both peace of mind and protection against a variety of difficult scenarios.

How much does car insurance cost in Ohio?

Ohio car insurance is comparatively not very expensive. On average, car insurance in Ohio will cost you around USD 1,037 annually. This is 27.3 percent lower than the US national average.

Note that car insurance premiums are also influenced by factors other than your state of residence. Some of these factors include age, gender, marital status, credit score, and driving history, among others.

Ohio Auto Insurance Requirements

In this image, we see a woman seated in the driver's seat of a car, handing her driver's license to a police officer. The officer, who is standing outside the vehicle, is holding a clipboard and appears to be focused on the task at hand. The woman in the car looks calm but slightly apprehensive, perhaps due to the seriousness of the situation.

Auto insurance laws in Ohio require drivers to have a policy with a minimum of 25/50/25. What this means is that you need nothing less than $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident.

It is essential to first determine your needs and circumstances before determining the precise amount of Ohio insurance coverage that is best for you. However, whatever you decide on must comply with the minimum requirements in Ohio.

Note that Ohio’s minimum car insurance offers only basic protection. But just because there’s a minimum doesn’t mean it’s the smartest option to go with. You may need additional protection that exceeds the minimum requirements, which means you have to purchase higher liability limits and extra coverage options.

Required Car Insurance Coverage Listed

Car insurance is essential to protect yourself and your vehicle from unforeseen accidents and damages. There are several types of car insurance coverage available, but the most important ones are liability coverage, bodily injury, and property damage coverage. Liability coverage is mandatory in most states and covers the damages you may cause to another person’s vehicle or property. Bodily injury coverage pays for the medical expenses of the other party if they are injured in an accident where you are at fault. Property damage coverage, on the other hand, covers the cost of repairing or replacing the other party’s property damaged in an accident. It is essential to have adequate coverage of these three types of insurance to protect yourself from unexpected financial burdens in case of an accident.
In this inviting image, a woman with brown hair and glasses exudes professionalism and warmth within her home office. Dressed in a crisp white blouse and stylish blue jeans, she leans confidently against a desk, creating a comfortable and approachable atmosphere. Her genuine smile and direct gaze at the camera convey a sense of trust and reassurance. The home office setting features a laptop, symbolizing the modern and digital nature of work, while the presence of vibrant flowers adds a touch of life and positivity. This image represents the essence of commercial umbrella insurance, providing comprehensive coverage to professionals who work from home or have home-based businesses. It signifies the ability to protect one's livelihood and maintain a secure working environment. This visually engaging scene serves as a reminder of the security and peace of mind that comes with having the right insurance protection, allowing individuals to focus on their work with confidence and a smile.

Liability Coverage

Liability coverage is that component or aspect of your car insurance policy that mandates you to pay for another driver’s expenses if you are determined to be the cause of the car accident that affected that other driver. Coverage excludes any damages you personally incur due to the accident. There are two types of liability coverage bodily injury & property damage
This image depicts a woman kneeling beside a male bicyclist who appears to have been hit by her car. The male is lying on the crosswalk with his hand over his face, while the woman looks down at him with a concerned expression. The woman's car, a white vehicle, is visible in the background. This visual representation is relevant to a car insurance page, as it highlights the importance of being prepared for unexpected accidents and the need for appropriate insurance coverage to protect against potential liability and damages. It also underscores the importance of safe driving practices, including being mindful of pedestrians and bicyclists on the road.

Bodily Injury

Helps you cover expenses related to the injury or death of another driver or a pedestrian when an accident is determined to be your fault.
This image depicts a woman kneeling beside a male bicyclist who appears to have been hit by her car. The male is lying on the crosswalk with his hand over his face, while the woman looks down at him with a concerned expression. The woman's car, a white vehicle, is visible in the background. This visual representation is relevant to a car insurance page, as it highlights the importance of being prepared for unexpected accidents and the need for appropriate insurance coverage to protect against potential liability and damages. It also underscores the importance of safe driving practices, including being mindful of pedestrians and bicyclists on the road.
This image shows a man and a woman who have been involved in a car accident, likely in the process of contacting the police and insurance companies. The two individuals are seen on their cell phones, with the man pointing to the damaged and crushed rear bumper of one of the vehicles. The scene is likely one of confusion and concern, as the individuals work to assess the damage and determine the appropriate steps to take. This visual representation is relevant to a car insurance page, as it underscores the importance of being prepared for unexpected accidents and having appropriate coverage to protect against potential liability and damages. It also highlights the importance of promptly reporting accidents to the authorities and insurance providers.

Property Damage

Helps you cover expenses related to the damage to another person’s property (like vehicles, homes, buildings, and other structures) when an accident is determined to be your fault.

Optional Ohio Insurance Coverages

An optional coverage is any additional insurance coverage provided by a policy (beyond what is required by law). Insurers offer several different optional coverages according to client needs. Some of them are below.
List of Optional Ohio Insurance Coverages
This image features a man and a woman standing in front of a black hatchback car that has been in an accident. The car appears to have collided with a tree, causing significant damage to the front end, which shows a noticeable indentation from the impact. The individuals are seen intently staring at the damaged car, likely assessing the extent of the damage and the next steps to take. This visual representation is relevant to a car insurance page, as it highlights the importance of having the right coverage to protect against the unexpected costs and damages that can result from an accident. It also underscores the importance of safe driving practices and being prepared for unforeseen events on the road.
Collision Coverage
Covers the cost of repairing or replacing your vehicle in the event of a collision with an object such as a mailbox, guardrail, or pothole.
This image shows a tan sedan car that has been damaged by debris from a hurricane. The car is seen with various items, such as branches, leaves, and other debris, lying on top of it. In the background, there are destroyed residential structures, likely the result of the same hurricane. The image conveys a sense of devastation and destruction caused by natural disasters and highlights the need for appropriate insurance coverage to protect against such unforeseen events. It also serves as a reminder to take necessary precautions and stay safe during severe weather conditions.
Comprehensive Coverage
Covers non-collision damages to your car, such as fire incidents, natural disasters, broken windshields, and contact with animals.
This image portrays an older woman leaning against her red SUV, appearing concerned while on her cell phone. The scene suggests that she may have been involved in a car accident, and is likely speaking with the authorities or her insurance company to report the incident. The woman's body language conveys a sense of worry and unease, underscoring the importance of having appropriate car insurance coverage to protect against unexpected events on the road. The image also highlights the importance of prompt reporting of accidents to insurance providers to ensure timely resolution and claim processing.
Uninsured & Underinsured Motorist
This covers you in the event of injury or death caused by a person without insurance coverage or with inadequate coverage.
This image shows two EMS technicians carefully loading a woman onto a stretcher in an ambulance. The woman appears to have been in a car accident and is being attended to by the technicians, who are likely assessing her injuries and providing appropriate care. Despite her injuries appearing minor, the scene conveys a sense of urgency and highlights the need for prompt medical attention and appropriate insurance coverage to protect against unexpected medical costs resulting from an accident. The image also underscores the importance of safe driving practices and the need to stay alert and focused on the road at all times to avoid accidents.
Medical & Personal Injury
Medical payments coverage covers medical expenses (medical bills) for injuries to you or passengers in your car. It can also cover lost wages due to injury-induced incapacitation from work.
This image shows a man from roadside assistance putting air into the tire of a white car with a woman standing nearby. The woman, who is the driver of the car, is seen watching the man as he works on the tire. She is standing in a long white raincoat and holding an umbrella, indicating that the weather conditions are not favorable. The image conveys a sense of relief that help is on the way and underscores the importance of having appropriate insurance coverage to cover unexpected roadside incidents such as flat tires. It also serves as a reminder to stay prepared for such incidents, with necessary items such as an umbrella and raincoat in the car, and to take necessary precautions while driving during inclement weather conditions.
Roadside Coverage
Roadside assistance coverage is necessary for situations such as a vehicle breakdown, for instance, when there is a need to jump-start a dead battery, change a deflated tire, tow the car, and other roadside services.
This image portrays a male ride-for-hire driver, nicely dressed, giving a ride to a woman, also nicely dressed, who appears to be enjoying the trip. The scene suggests that the two are engaged in conversation, as they both smile and seem relaxed. The woman is seen on her cellphone, possibly checking directions or communicating with someone else. The image conveys a sense of convenience and ease associated with ride-for-hire services, and highlights the importance of insurance coverage for both the driver and passenger in the event of any unexpected incidents that may occur during the ride. It also serves as a reminder to be courteous and respectful to drivers and fellow passengers while using ride-for-hire services.
Ride For Hire

The popularity of rideshare insurance has been increasing, thanks to TNCs like Uber and Lyft. If you’re a rideshare company driver, you’ll require special protection, which your personal car insurance policy does not cover.

Uber and other rideshare companies usually offer insurance protection when driver staff logs into the company’s app. However, there may be limits to this coverage pending when a ride request is accepted. Usually, the driver’s personal car insurance policy will also have coverage exclusions for this period. Rideshare insurance can help the driver fill these coverage gaps.

This image depicts a woman wearing sunglasses and a jean jacket, holding the keys to a rental car and smiling, with a thumbs up gesture, indicating that she is happy to have rented the car. The rental car is seen behind her, a white vehicle with a scenic backdrop of mountains and water, evoking a sense of adventure and exploration. The image conveys the convenience and flexibility of rental car services, and highlights the importance of having appropriate insurance coverage to protect against any unexpected incidents that may occur during the rental period. It also serves as a reminder to be mindful of safe driving practices and to respect local laws and regulations while driving in new and unfamiliar places.
Rental Reimbursement Coverage
Covers transportation expenses such as those for a rental car or public transportation fare while your car is undergoing repair after a covered insurance claim. It is not applicable to situations where your car requires routine maintenance work or when you intend to rent a car on vacation.

Top Ohio Car Insurance Company

Ellerhorst Russell Insurance Agency LLC has been providing insurance services since 1915 to Ohio areas such as Garrettsville, Hiram, Windham, Mantua, and Portage County. As part of Our 105 years celebration, Ellerhorst Russell received a letter of recognition early last year from the House of Representatives of the 133rd General Assembly of Ohio.

Part of the letter reads:

“Celebration of this prestigious milestone is a tribute to Ellerhorst Russell Insurance Agency, for it has achieved a remarkable record of service to the area throughout the past one hundred five years. This fine agency, which offers a complete line of personal and business insurance products, has earned the gratitude and appreciation of many satisfied customers, and its success is a justifiable source of pride and an outstanding reflection not only on the venture itself but also on its astute management, on its hard-working employees, and on the community.”

Being an independent agency with access to several insurance industry operators provides Ellerhorst Russell an edge when it comes to offering our customers the highest possible value available on the insurance market today. Best of all, you can easily chat with the same person who sold you your policy if you have any queries or concerns.

Visit Ellerhorst Russell Insurance Agency today for all your car and other insurance needs!

How Do I Get A Quote?

Ellerhorst Russell Insurance Agency will work with you closely to understand your needs and make sure you’re properly protected.

Frequently Asked Car Insurance Questions

In the state of Ohio we are a “fault car accident” state. This means that the person who caused/fault was the accident is then responsible for paying the damages to anyone who had suffered harm. In Ohio, the person who suffers from an injury due to an accident can fit a claim with their own insurance, File a third party claim with the person who was at fault’s insurance provider, or can file a personal injury lawsuit in court against the at fault driver.
Some of the minimum requirements to meet financial responsibility; $50,000 in coverage for injuries and deaths resulting from an accident you cause, $25,000 for property damage liability.
It is highly recommended to get more coverage. Liability coverage can even hick in if you or a family member is driving your vehicle. As well it is likely to cover you in the chance you get into an accident in a rental vehicle
On top of the minimum liability coverage required in the state of Ohio, there are other coverages that you can add on to your policy. The team at Ellerhorst Russell Insurance Agency LLC can help you understand what coverage makes the most sense for you.
Some additional coverage includes:
Collision
Bodily Injury and Liability
Property Damage Liability
Comprehensive
Uninsured/underinsured Motorist
Medical and Personal Injury
Loan/Lease Gap
Diminished Value
(See above for further descriptions)

Compare the prices offered by several auto insurers to arrive at the most cost-effective solution for you

Bundle your home and auto insurance policies

Review your deductibles

Look out for car insurance discounts

Allow your insurance company to track your driving

Enroll in a defensive driving course approved by your insurer

Use a safe vehicle with minimal maintenance or repair costs

Improve your credit score if possible

A number of insurers will reduce your car insurance if you park your vehicle in your home garage (which is less prone to car theft) rather than in your driveway or on a street

Assuming you have all the required documents, buying car insurance coverage can take from 20 minutes to a few hours. However, the easiest way to get quick or same-day car insurance is to use an instant car insurance quote form over the Internet. The majority of insurers provide online, binding quotes that become effective instantly. The whole online quotation process takes just about 10 to 15 minutes. Be sure to have your electronic payment method ready in case you are asked to make a deposit or an initial payment to commence coverage. Usually, this can be achieved with your debit card or bank account information.
Age Driving history Credit score Years of driving experience Location Gender Marital status Insurance company Insurance history Annual mileage Claims history Coverage level Vehicle type Vehicle ownership status Discount options
There is no one best automobile insurance policy. It depends on multiple factors like age, driving history, and coverage needs. Ellerhorst Russell is here to help you choose the best option for you.

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