Central Insurance auto insurance review | finder.com

Central Insurance auto insurance review

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  • Pride in customer service
  • Bad driving history OK
  • Available in 20 states

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This small but mighty provider prides itself in its customer-centric approach to auto insurance.

30-second take

  • Get a quote if you have a good driving history to get the best rates.
  • Pick something else if you don’t live in the Southeast.
  • Best for drivers who want to meet with an agent face-to-face.
States served Alabama, Arkansas, Illinois, Indiana, Kentucky, Louisiana, Michigan, Mississippi, Ohio, Oklahoma, Tennessee, Texas, Wisconsin
Roadside assistance Optional
Pay schedule 12 months, monthly
Claims methods online, phone, in-person
New car protection No
Accident forgiveness No


  • Quality customer service
  • Bad driving history OK


  • Difficult to compare with different terms for coverage
  • Potentially high rates
  • Available in 20 states
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts
Rideshare coverage No
SR-22 coverage Yes
Temporary & short term coverage No

What is Central Insurance?

Established in 1876, Central Insurance is a mutual insurance company that offers auto insurance coverage in over 20 states. Since then, it has become a popular provider for customers looking for the intimacy of a small company but the availability of a much larger one. Built on the foundations of integrity and excellence, its success is due in part to the relationships it has developed over the years.

Headquartered in Van Wert, Ohio, Central Insurance operates through more than 400 independent agencies across 20 states to provide quality, customized coverage. It offers competitive pricing on flexible auto insurance policies, and with more than 350,000 active policies, it boasts an impressive reach for its modest size.

Where is Central auto insurance available?

  • Arizona
  • Colorado
  • Connecticut
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Nevada
  • New Hampshire
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia

Who is Central auto insurance best for?

Central offers competitive pricing on a wide range of auto insurance policies. Its extensive network of independent agencies make it ideal for those who like to work with an agent face to face, but it’s affordable pricing make it a great option for almost anyone.

What coverage does Central Insurance offer?

  • Liability coverage. Protects your legal liability if you injure someone or damage someone else’s property in an accident.
  • Medical payments coverage. If you or a passenger is injured in a car accident, get help with medical bills — regardless of who’s at fault.
  • Uninsured or underinsured motorists coverage. When a driver at fault for your accident doesn’t have insurance — or enough of it — to cover your medical bills and damages, this coverage kicks in.
  • Collision coverage. This covers damages to your car caused by an automobile accident, regardless of who was at fault.
  • Other-than-collision coverage. Takes care of direct accidental loss not excluded by your policy, like theft, vandalism, glass breakage, wind, fire, hail or flood.

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Discounts available on Central auto insurance

Central offers a wide range of discounts and credits that can help reduce the cost of your auto insurance policy. Here are a few of the many discounts available:

  • New Teen Driver Family Loyalty Discount. Receive a discount based on how long you’ve been a customer when you add a teen driver to your auto policy
  • Driver Training. Customers can earn a credit for completion of an approved driver education course
  • Good Student. Full-time students who maintain a B average or are in the top 20 percent of their class will receive discounted premiums.
  • Elite New Policy Discount. Receive a discount on a new policy if you carry higher liability limits and have no accidents, a high insurance score, and minimal traffic violations.
  • Paid in Full. Receive a 5% discount when you choose to pay your auto premium annually.
  • Package Credit. Receive a discount if you have both auto and home insurance with Central.
  • Payment Timeliness. Receive a credit on your renewed policies if you’ve had no cancellation notices for non-payment.

Does Central Insurance offer any special programs?

Central sells auto insurance policies through its network of independent agents, meaning that the available programs will vary depending on your area, agent, and other factors. However, this provider does have a few of its own special programs:

MyCentral mobile app. Use the app to make payments, provide electronic proof of coverage, report a loss, and more.

teenSMART® program. Video learning segments, realistic driving simulations and parent-teen activities help teen drivers improve their abilities and drive safer.

Paperless & e-billing. Sign up for paperless or e-billing to save time, money, and the environment.

Roadside assistance. While this isn’t offered directly through Central Insurance, many of its associates offer roadside assistance programs.

Pros and cons of Central auto insurance


  • A.M. Best “A” Excellent rating. Serving 20 states and thousands of customers, Central Insurance exceeds its ability to meet its insurance obligations.
  • Quality customer service. Central Insurance customer service reps are available 24/7. Agents pride themselves on customer accessibility, so you can give them a call directly too.
  • Bad driving history OK. Although their rates may be higher, Central Insurance accepts riskier drivers that other companies might not. If you’ve had difficulty finding an auto insurer, Central Insurance could be a good fit.


  • Unfamiliar language. Central Insurance confusingly refers to its coverage using different terms. For example, it calls comprehensive insurance “physical damage.” Read the details so that you’re clear on what you’re signing up for.
  • Potentially high rates. Central Insurance can be expensive — especially if your driving history isn’t perfect.
  • Inconsistency among agents. Because Central Insurance agents are independent, the specifics of your policy can vary among them, making it difficult to research your best deal ahead of time.
  • Limited service. Central Insurance is licensed to do business in 20 Northeast, Southeast and Southwest states only.
  • No online application. Unfortunately, this provider doesn’t allow you to apply for coverage online. Instead, you’ll need to locate your nearest agent and visit them in person.

Central auto insurance customer reviews

Unfortunately, Central Insurance is not listed on Trustpilot or the official BBB website. However, on other online forums, reviews are a mixed bag. Some customers report trouble with denied claims and billing issues, while others are quite satisfied with Central, praising it for great discounts and customer service.

How to apply for Central auto insurance

Applying for auto insurance coverage with Central is a bit more tricky than with other providers. Unfortunately, you won’t be able to apply online or by phone, since policies are issues through independent agents. Instead, you’ll need to locate your nearest agent and visit them in person to set up a new policy.

What do I need to apply?

  • Personal information including first and last name, date of birth, gender
  • Address including zip code
  • Social security number
  • Drivers license
  • Vehicle registration
  • Financial information

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How to file a claim with Central auto insurance

Filing a claim with central insurance is easy and can be done 24 hours a day, 7 days a week. You can file a claim on the website, myCentral app, by phone, or in person, but you’ll need a MyCentral account to report it online.

Once you’ve set up a new policy, ask your agent how to set up online access. Once you have access to your myCentral account, you can either log in and navigate to the claims section or visit the home page and enter your user ID to report a claim.

If you have the myCentral app setup, simply open it up and tap the “report a loss” button. Have your information nearby and proceed through each of the steps to file your claim.

How do I contact Central Insurance?

You can reach Central insurance online, by phone, or in person through your local agent. You can also find buttons at the top of Central’s website that will direct you to its various social media pages.

Does Central Insurance offer other types of insurance?

Central Insurance also offers a few other types of coverage:

  • Boat insurance
  • Business insurance
  • Homeowners insurance
  • Umbrella packages

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Bottom line

Central Insurance offers comprehensive auto insurance plans for everyone, even drivers with prior accidents. It’s known for superb customer service and attention to customers, including the myCentral mobile app and online payment system. However, you can’t apply online and most of your correspondence will be through your local agent, which isn’t all that convenient. Plus, if you don’t live in one of the 20 states it services, you may need to compare other car insurers.

Frequently asked questions about Central Insurance

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