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Are you looking for a new car insurance policy with an insurance agent who can handle your policy for years? Read on for Central Insurance reviews, coverage, discounts, and more to see if it is a good fit for you.

We’ve reviewed the best car insurance companies in the nation, and we will use the same metrics to rate Central auto insurance here. It’s smart for drivers to get quotes from multiple sources to compare coverage and rates. While an independent insurance agent such as one from Central Insurance can help you do this with the providers within their network, you don’t want to miss out on a great deal with an out-of-network provider.

Fill out the form above to compare free car insurance quotes from top insurance providers in your area.

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Overview Of Central Insurance

Central Mutual Insurance Companies is a conglomerate of independent agencies. Representatives don’t work with just one auto insurance company, but rather, these agents work with you to discuss your insurance goals and find a plan that meets your needs from within their provider network.

Central writes over 350,000 insurance policies in 24 states with headquarters located in Van Wert, Ohio. If you live in one of these states, you could be eligible for Central auto insurance.

Central Insurance provides several types of insurance products, including personal and business lines of insurance. You can get personal insurance for your home, condo, rental property, boat, vehicle, and more. Let’s dive into Central auto insurance offerings.

Central Auto Insurance Coverage

Central auto insurance offers all standard types of car insurance, including:

  • Liability coverageLiability auto insurance can be broken up into both bodily injury (BI) and property damage (PD), both of which are mandatory in most states. This type of insurance covers costs associated with injury to others or damages to their car or property in the case of an at-fault accident. Because accidents can often be very expensive, it is a good idea to consider buying more liability coverage than required by your state.
  • Collision coverage: Collision coverage is the type of insurance that will pay for damage to your own car if you are in a collision with another vehicle or object.
  • Comprehensive coverage: Comprehensive coverage pays for damage to your car due to an event other than a collision, including theft, vandalism, and fire. While comprehensive coverage and collision coverage are generally optional, if you are leasing or financing your vehicle, you may be required to have this type of coverage. On the Central Insurance website, you will find comprehensive insurance listed as “other than collision” coverage.
  • Medical payments coverage (MedPay): Medical payments insurance covers medical expenses for injuries incurred during an auto accident for both you and your passengers.
  • Personal injury protection coverage (PIP): This coverage will pay for medical expenses related to your injuries from an accident, as well as funeral expenses, loss of income repayment, and the cost of the services you are unable to perform because of your injuries.
  • Underinsured/uninsured motorist coverage (UM/UIM): Underinsured/uninsured motorist coverage protects you in case you are part of a car accident caused by someone with very little or no insurance.

Additional Coverage Options With Central Auto Insurance

Central offers three coverage plans that include extra types of car insurance. All personal auto insurance policies come with roadside assistance, and agreed value coverage (AVC) is available as an add-on to your policy.

Central Signature Auto Policy

This policy comes with the following coverages:

  • Towing and labor
  • Transportation expenses
  • Worldwide rental car coverage
  • Loan/lease gap protection
  • Original equipment parts
  • Short-term replacement cost loss settlement

Coverage may vary in Arizona, Illinois, Kentucky, Michigan, New Hampshire, New York, Ohio, Texas, and Virginia.

Central Mutual Summit Auto Policy

This policy comes with the following coverages:

  • New car repair and replacement
  • Windshield replacement with no deductible
  • Rental car loss of use up to $1,000
  • Towing and labor
  • Transportation expenses
  • Loan/lease gap insurance
  • Parked auto collision coverage
  • Lockout coverage
  • Doubled MedPay coverage
  • Fire, police, rescue squad, and ambulance service charge coverage
  • Excess electronic equipment coverage
  • Personal effects coverage
  • Airbag replacement coverage
  • Waiver of the deductible for certain comprehensive and collision losses
  • Automobile death benefit
  • Pet injury coverage
  • Child safety seat coverage

Coverage may vary in Arizona, Colorado, Illinois, Kentucky, Michigan, New York, North Carolina, Texas, and Virginia.

Central Auto Plus Endorsement

This policy comes with the following coverages:

  • Towing and labor
  • Waived collision deductible
  • Doubled MedPay coverage for policies with up to $5,000 in MedPay (for a total of $10,000)

The plan is not available in Kentucky or Texas. Coverage may vary in Michigan, New York, North Carolina, and Virginia.

Cost Of Central Auto Insurance

The cost of Central auto insurance varies depending on many factors, including what state you live in, the coverage you choose, and personal factors like your age, gender, and driving history.

Luckily, Central Insurance has no shortage of discounts to help customers save money on car insurance. Here’s a comprehensive list of the insurance discounts that you can get with a Central auto insurance policy.

Package CreditIf you have auto and home policies with Central Insurance, combine them to save money on both.
E-CreditEnroll in e-billing and select e-policy options to receive a $5 credit every year.
Customer Loyalty CreditAfter your first two consecutive years with Central auto insurance, earn a credit. You can eventually get up to 10% off after 10 years of loyalty.
Insurance ScorePolicyholders with good insurance scores (determined by your credit information) receive a discount.
Payment TimelinessSave money on your policies if you’ve had no cancellation notices for lack of payment.
Higher DeductiblesChoose to pay a higher deductible and save money on your Central auto insurance policy.
Elite New Policy DiscountIf you carry higher liability limits and are accident-free with a high insurance score and little to no traffic violations, you qualify for this discount.
Paid in FullReceive a five percent discount for paying your auto premium in full annually.
teenSMART® DiscountsWhen a teen on your policy completes the teenSMART® driver safety program, get a discount on your teen’s premium.
New Teen Driver Family Loyalty DiscountWhen you add a teen driver to your policy, you’ll get a discount determined by how long you’ve been a customer.
Driver TrainingEarn credit for completing a driver’s education course.
Good StudentAny full-time student who maintains a B average or higher gets a discount on their policy.
Vehicle Safety FeaturesIf your car is equipped with seatbelts and/or anti-theft devices, you could get a discount.
Accident PreventionDrivers who complete an approved accident prevention course will get a credit on their Central auto insurance policy.

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Central Insurance Reviews

Central Insurance has positive ratings from experts like AM Best and the BBB. AM Best rates Central’s financial strength at an A, meaning Excellent, while BBB gives the insurer an A+. These marks tell us that Central has stable finances and strong business practices that benefit customers. Central Insurance has an app called myCentral® where customers can file claims, however, it only has a 3.2-star rating on Google Play.

Central insurance reviews from customers are largely positive. Some common complaints mention concerns with claims payments, but all of the complaints filed with the BBB have been resolved, which tells us that Central prides itself on customer service.

Positive Central Insurance Reviews

Positive Central Insurance reviews focus mainly on the excellent service customers have received.

“Central insurance gave me the best rates for the coverage. Professional and very helpful with quality customer service.” 

– via Clearsurance

“Went through the process with me, got all the details needed for the claim quickly and easily. Actually cared on the phone and couldn’t do enough for me.” 

– via Trustpilot

Negative Central Insurance Reviews

Many unhappy customers were dissatisfied with the claims process.

“Failed to pay all damages for a car accident that the company’s client was at fault [for] based on the police report. Insurance company did not pay off damages that I incurred due to the accident that their client caused.” 

– via BBB

“I hope you never have to submit a claim. They wont cover it and it will be send by other insurance companies if you ever try to switch. House had a tree fall on it and now some of my doors in the house stick and they want to call it settling. I would give zero stars if i could.” 

– via BBB

Our Take On Central Auto Insurance: 4.0 Stars

Given the company’s extensive coverage and variety of discounts, Central auto insurance is a good choice for drivers that live in one of the states with service. We also like the company’s up-to-date website, which is equipped with videos about insurance offerings.

Keep in mind that Central is an insurance agency that uses independent insurance agents to find plans with various car insurance companies. The downfall to using an independent agent is that you only have access to providers in their network. If you would prefer to work directly with an insurer, you should look elsewhere.

Pros Financial strength rating of A from AM Best A+ rating from the BBB Positive customer service reviews
Cons Only available in 24 states Plans and coverage vary by state Must work through an agent

Our Recommendations For Car Insurance

When we reviewed the top insurance companies in the nation, there were some that rose above the rest. Anytime you shop for car insurance, we recommend getting quotes from several providers so you can compare coverage and cost. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our free tool below to start comparing personalized car insurance quotes:

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State Farm

Our State Farm auto insurance review found that State Farm is the best choice for students. This is because of the discount opportunities that are available to the age group, like State Farm’s Steer Clear® program that encourages safe driving habits for drivers under 25.

State Farm offers standard coverage and extra types of coverage, including:

  • Roadside assistance
  • Rental car reimbursement
  • Rideshare insurance
  • And more

Among its many discount opportunities, the Drive Safe & Save™ program is available to any driver who lets the State Farm app or OnStar monitor their driving habits. The technology collects information like how fast you accelerate and how hard you brake to determine savings, and the information can never be used to increase the price of your car insurance.


Our research into Progressive car insurance found that this company is the best provider for high-risk drivers, including drivers in their 20s and drivers with a DUI on record.

Like State Farm and Central auto insurance, you can get standard coverage plus a few extra types of coverage, including:

  • Roadside assistance
  • Rental car reimbursement
  • Gap insurance
  • Custom parts and equipment value
  • And more

There are many unique benefits to becoming a Progressive customer, including the Name Your Price® tool and the Snapshot® mobile app. The Name Your Price feature on Progressive’s website allows you to shop for a policy that best meets your coverage needs starting with the price you want to pay. Progressive’s Snapshot mobile app or vehicle plug-in monitors driving habits for a discount similar to State Farm’s program.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.