Central Insurance Company Car Insurance Review [2020]

Central car insurance was founded in 1876 and offers coverage in 18 states. Central provides a customer loyalty credit of two percent to customers who have been customers for over two years.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Company Details
Address: 800 S. Washington St.
City: Van Wert
State: OH
ZIP Code: 45891
Phone Number: 800-786-9052
Year Founded: 1876
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Central Insurance has been providing coverage since 1876
  • The company has several coverage options to meet the needs of its customers
  • Central also offers a loyalty credit that helps individuals save money over the span of a few years

Central Insurance Company has been providing insurance since 1876. Central offers insurance in 18 states, though the company’s home office is located in Van Wert, Ohio.

Because the company does not offer online quotes, you will have to locate an agent who can provide you with a quote for a Central car insurance policy.

Read this Central auto insurance review and then get started comparing car insurance options today!

Central Auto Plus Coverage

Central Insurance Company offers several additions to the typical liability auto insurance, which include:

  • Towing and Labor – This coverage would provide you with up to $100 dollars to have your vehicle towed to a repair shop.
  • Collision Deductible Waiver – If your vehicle is hit in a hit-and-run accident, your collision deductible would be waived.
  • Medical Payments – If you are wearing your seatbelt and you are injured, this coverage would double your basic medical payments coverage.

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Benefits of Summit Auto Policy with Central

Central Insurance also offers its customers several different benefits:

  • Repair and Replacement Coverage – If you have owned your vehicle for less than a year and you get into an accident, this coverage will pay for the lesser of the cost to repair the vehicle or replace your damaged vehicle.
  • Windshield Deductible Waiver – If your vehicle’s windshield is damaged because of flying debris, this coverage will pay for the cost to replace your windshield and you would not be required to pay a deductible.
  • Rental Car Damage – If you are driving a rental car and it is damaged, Central will pay the rental car company up to $1,000 dollars for loss of use.
  • Fire, Police, and Rescue Squad Coverage – If you are injured during an accident, this coverage will pay for the public safety emergency responders.
  • Automobile Death Benefit – This coverage will provide for family members in the event you die during an auto accident.

Central Customer Loyalty Credit

In addition to the above-listed coverage options and benefits, Central provides credits and discounts for policyholders who are eligible.

Once you have been insured with Central for at least two consecutive years, Central will apply a credit of two percent toward your renewal policy.

After ten years of being a Central policyholder, you will receive the maximum credit of 10 percent. This credit will be applied toward any subsequent policy renewals.

Reporting a Claim with Central Insurance

If you have a claim with Central, you can report your claim online. You can also check the status of your claim online or by calling a toll-free number.

Be sure that you compare your Central auto insurance quotes with quotes from other top companies. Enter your information below to start comparing car insurance now!


  1. https://www.central-insurance.com/
  2. https://www.central-insurance.com/docs/auto-Discounts.htm

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