Where to Place Personal Auto & Hard-to-Place Vehicle Insurance in Ohio

Real carrier recommendations from independent insurance agents who have placed hard-to-place personal auto, exotic cars, and specialty vehicles in Ohio.

9
Discussions
18
Agent Replies
13
Carriers Mentioned

Top Carriers for Personal Auto & Hard-to-Place Vehicle Insurance in Ohio

These carriers are most frequently recommended by agents for placing hard-to-place personal auto, exotic cars, and specialty vehicles in Ohio.

National General 4 mentions State Farm 3 mentions Progressive 3 mentions Chubb 3 mentions Allstate 3 mentions Foremost 2 mentions Hartford 2 mentions American Modern 2 mentions Hanover 2 mentions Citizens 2 mentions Hagerty 1 mention Travelers 1 mention Pekin 1 mention

Agent Discussions About Personal Auto & Hard-to-Place Vehicle Insurance in Ohio

Real conversations from agents about placing hard-to-place personal auto, exotic cars, and specialty vehicles in Ohio.

Discussion

Question for State Farm - Ohio Our commercial auto client was in an accident with a State Farm client on 12/02/25. State Farm client was at fault party. State Farm deemed my insured's vehicle a total loss. Insured paid $442.00 at time of loss to have vehicle towed. Now State Farm is stating they...

πŸ“ Ohio, Nevada, Michigan, California 🏒 Foremost, Hartford, National General, Chubb, American Modern, State Farm, Hanover πŸ’¬ 10 replies

Question for State Farm - Ohio Our commercial auto client was in an accident with a State Farm client on 12/02/25. State Farm client was at fault party. State Farm deemed my insured's vehicle a total...

reasonable towing costs are typically considered part of the loss. β€œBut for” the accident, your insured wouldn’t have incurred that expense. I’d recommend resubmitting the tow bill and asking for a...

Fitch what say you?

Discussion

SF agents in Ohio. Are SF auto policies permissive use policies? We have an insured that was rear ended by a SF insured vehicle. SF indicated to our insured that there is a high probability that they will decline the claim as the driver was not a listed driver on the policy even though the insured...

πŸ“ Ohio πŸ’¬ 4 replies

Gracey The fact the owner was a passenger in the vehicle does not negate any policy guidelines regarding unlisted drivers that are required to be rated for coverage to apply.

Does the at fault driver live with policy owner? If so does the at fault driver have a policy elsewhere?

In the office the Friday after Christmas. Is anything getting done? Nope. bryguyferreira Β· Follow Dec 26

Discussion

Hello!! I need an Allstate agent near port st lucy in florida, have a current customers referral that lives in the area and would like to shop around. Feel free to dm me α΅•Μˆ

πŸ“ Ohio, Florida 🏒 Citizens, Allstate πŸ’¬ 4 replies

I’m appointed I Fl but there is a binding freeze due to a hurricane! I can quote it ! 423.710.2328

Hello!! Do I have any Allstate agents in florida? I have a customer that we are writing their primary home in Ohio and they have a home and other items that need written in Florida. Feel free to dm...

Allstate agents are struggling in FL. I would definitely refer your client to an independent agent in Florida unless you want their home written with the state insurance provider Citizens.

Commercial Vehicles on Personal Policies in Ohio - State Farm

Ohio - Guys, I know the short answer here but seriously asking... how does State Farm get away with putting commercial vehicles on personal policies??? Only in the last week I've had a F550, and F450 flatbed and a box truck!!! What the heck!

πŸ“ Ohio 🏒 State Farm

Discussion

Needing the group's help! I have an insured who purchased a 2002 Ford Bus that seats 8 with perimeter seating. He wants to use it personally for taking friends out on the town. Not for hire. Anyone know where I should try next? Ohio. Progressive - declined. National General - declined. Pekin -...

πŸ“ Ohio 🏒 Progressive, National General, Hagerty

Discussion

I’m looking to place a Lamborghini Urus in Ohio. Currently declined by Haggerty, Travelers, Open Road, Progressive, Chubb (without a ton of supporting business) any other ideas?

πŸ“ Ohio 🏒 Chubb, Progressive, Travelers

Discussion

Ohio risk. School bus with all seats out. All decals off Titled as a van. Where are you placing them?

πŸ“ Ohio

Discussion

What carrier would take a McLaren 750S in Ohio?

πŸ“ Ohio

Discussion

Needing the group's help! I have an insured who purchased a 2002 Ford Bus that seats 8 with perimeter seating. He wants to use it personally for taking friends out on the town. Not for hire. Anyone know where I should try next? ~Ohio Progressive - declined National General - declined Pekin -...

πŸ“ Ohio 🏒 National General, Progressive, Pekin

Frequently Asked Questions

Which carriers write hard-to-place personal auto, exotic cars, and specialty vehicles in Ohio?

Based on agent discussions, carriers frequently mentioned for hard-to-place personal auto, exotic cars, and specialty vehicles in Ohio include National General, State Farm, Progressive, Chubb, Allstate. Availability varies by specific risk details.

Is hard-to-place personal auto, exotic cars, and specialty vehicles hard to place in Ohio?

Many agents report difficulty placing hard-to-place personal auto, exotic cars, and specialty vehicles in Ohio. Our database contains 9 discussions specifically about this niche in Ohio, reflecting the ongoing challenges agents face finding willing carriers.

How do I find a carrier for hard-to-place personal auto, exotic cars, and specialty vehicles in Ohio?

Independent agents in Ohio recommend networking with peers, working with wholesale brokers like RT Specialty or Kinsale, and checking surplus lines markets. Browse the 9 agent discussions below for specific carrier recommendations.