Ohio Mutual Insurance Review & Ratings (2022)

Ohio Mutual Insurance Group is a policyholder-owned insurance company that provides auto, business, homeowners, renters, and farm insurance coverage in seven states across the Midwest and Northeast.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 1, 2022

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Overview

  • Ohio Mutual Insurance Group provides insurance policies in seven states in the Midwest and New England
  • Ohio Mutual Insurance is slightly more expensive than the national average
  • Ohio Mutual Insurance Group has excellent ratings and is well-received by its customers

Shopping locally is one of the best ways to support your community. Did you know that you can shop locally for your insurance needs too?

Working with local insurance companies can be more expensive, but it is rewarding if you have the resources. Ohio Mutual Insurance Group is a community-oriented insurance option available to residents of seven states in the Midwest and New England.

Ohio Mutual Insurance might be an option if you live in one of the covered states. Suppose Ohio Mutual Insurance is unavailable in your area and you are looking for the cheapest rates. In that case, this company probably isn’t for you.

To find affordable rates on the coverage you need, you should compare quotes from the nation’s top insurance companies.

What is Ohio Mutual Insurance Group?

The Ohio Mutual Insurance Group is a comprehensive insurance company available in the Midwest and New England. It is a mutual insurance company, meaning that the policyholders are its owners. You can think of it as similar to a co-op, but for insurance services.

Ohio Mutual Insurance is well-received by its customers and is only available in seven states. They offer several insurance policies, but its small size somewhat limits the availability of add-ons and discounts.

You can easily pay your bill when you log in to your Ohio Mutual Insurance account and use additional features such as: setup and manage autopay, manage payments methods, view billing and policy documents, and report a claim.

If you want to purchase your insurance coverage from a local company involved with the community, Ohio Mutual Insurance Group might be a great choice.

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What is the history of Ohio Mutual Insurance Group?

Ohio Mutual Insurance Group has been around since the turn of the century, founded in 1901 in Ohio. Established as the Ohio Mutual Tornado, Cyclone, and Windstorm Insurance Association, this company has protected Ohioans for over 120 years.

As evidenced by their original name, Ohio Mutual Insurance has insured its policyholders from natural disasters for over a century. Initially, it only offered property insurance, but now its catalog of insurance policies is more extensive. Due to its long history of satisfied customers, you can rest assured that Ohio Mutual Insurance Group is a legitimate insurance company.

In 2010, Ohio Mutual Insurance Group acquired the Maine-based Casco Indemnity company, allowing them to expand their offerings to additional states outside of the Midwest. It now provides insurance in seven states across the Midwest and Northeast.

Where is Ohio Mutual Insurance available?

Ohio Mutual Insurance Group currently operates in seven Midwestern and Eastern states. Insurance policies differ based on state, so be sure to research which coverage options are available in your area.

Ohio Mutual Insurance is available in the following seven states:

  • Connecticut
  • Indiana
  • Maine
  • New Hampshire
  • Ohio
  • Rhode Island
  • Vermont

Ohio Mutual Insurance has two main offices: its primary office in Bucyrus, Ohio, and its satellite office in Saco, Maine. Aside from these offices, Ohio Mutual Insurance Group has field offices in all its available states.

This insurance company works with independent insurance agents and brokers. When you purchase a policy from Ohio Mutual Insurance Group, you will consult with an independent agent knowledgeable in the available coverage options.

What insurance coverages does Ohio Mutual Insurance offer?

Ohio Mutual Insurance Group provides different insurance options across the United States. If you live in Ohio, you can purchase comprehensive coverage for most aspects of your life.

Insurance policies include:

  • Auto insurance. Auto insurance is available in all seven covered states, but the specific policies vary based on location.
  • Business insurance. If you live in any of the seven states where this company operates, you can purchase business insurance from Ohio Mutual Insurance Group.
  • Homeowners insurance. Homeowners insurance is available through Ohio Mutual Insurance Group in Connecticut, Indiana, Maine, New Hampshire, Ohio, and Vermont. Homeowners insurance is currently unavailable in Rhode Island, but you can purchase renters or condo insurance there.
  • Renters insurance. Ohio Mutual Insurance Group provides renters insurance in all seven states where the company currently operates.
  • Farm insurance. Ohio Mutual Insurance Group only offers farm insurance in Ohio and Indiana. If you don’t live in either state, you will not be eligible for farm insurance through Ohio Mutual Insurance.

For other states, these offerings may differ.

Individual policies and coverage options vary significantly across states. You can get additional insight from their website, but you will need to contact an agent to discover availability in your area.

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Ohio Mutual Insurance Reviews and Ratings

Ohio Mutual Insurance Group is well-received by customers. Having been in business for over a century, the mix of positive and negative reviews is a good indicator of its business practices. Consumers note that Ohio Mutual Insurance customer service is helpful and quick to respond to claims.

Ohio Mutual Insurance touts a 12-year-long accreditation and A+ rating from the Better Business Bureau. There are only two BBB reviews for Ohio Mutual, and both are negative. It is common for reviews on the Better Business Bureau website to be negative as these are usually customer complaints.

Ohio Mutual Insurance is an excellent option if you want to work with a local company. If you are looking for cheap rates, you will benefit from working with a national corporation.

According to the National Association of Insurance Commissioners, Ohio Mutual Insurance Group has an above-average complaint index. The complaint index indicates the number of complaints weighted by the company’s market share. Ohio Mutual Insurance has an index of 2.13 as of 2022. The national average is one, and anything above means the company has more complaints than what its market share should suggest.

This insurance company has maintained an excellent rating from A.M. Best since 2015. Its financial strength rating from A.M. Best is A, and its long-term issuer credit rating is A+.

Overall, Ohio Mutual Insurance Group has a trustworthy and robust presence. Its rates are high compared to the top national insurance companies. Ohio Mutual Insurance uses word-of-mouth to establish trust and maintain business. Ohio Mutual Insurance is an excellent option if you want to work with a local company. If you are looking for cheap rates, you will benefit from working with a national corporation.

Is Ohio Mutual Insurance right for you?

Ohio Mutual Insurance Group is a policyholder-owned insurance company. This insurance option is available in seven states across the Midwest and Northeast, offering comprehensive insurance to cover most aspects of an individual’s life.

Ohio Mutual Insurance is not the cheapest option and is more suited for financially stable individuals who want to work with a local business. This company has excellent ratings from trusted authorities in the financial and insurance industry.

Maybe you live in a covered state and don’t mind spending a little extra to buy locally. In that case, Ohio Mutual Insurance Group is a great option for you. If you need to get the cheapest insurance rates, you should compare quotes from the leading insurance companies.

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