Central Auto Insurance Review (2020)

Curious about Central auto insurance? Founded in 1876, they offer personal & commercial auto insurance, which includes liability, medical, and uninsured motorists coverage.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 20, 2020

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Company Details
Address: P.O. Box 351
City: Van Wert
State: OH
ZIP Code: 45891
Phone Number: 419-238-1010
Year Founded: 1876
AM Best Rating: Unknown
Company Rating 0 (0 reviews)

Things to remember...

  • Central Auto Insurance Company is based out of Van Wert, Ohio
  • Central Insurance traces originated in 1876, and today has over 390,000 policyholders in 18 states across the country
  • Central Auto Insurance offers a discount to reward long-term customers

The Central Auto Insurance Company is part of the Central Mutual Insurance Companies based in Van Wert, Ohio. Central Insurance prides itself on maintaining the core values of integrity, its relationships with its customers, and excellence in the insurance industry.

Central Insurance traces its beginnings back to 1876, and today has over 390,000 policyholders in 18 states across the country. F.W. Purmort leads the company as president and chairman of the board.

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Central Auto Insurance History

Central Auto Insurance began in 1876 as the Van Wert County Mutual Fire Insurance Company. It quickly grew into a statewide and then interstate insurance provider and, with its growth, changed its name to Central Manufacturer’s Insurance Company in 1884.

By 1926, the company had expanded even more to offer additional types of insurance in more areas of the country. During the decade of 1929-1939, while most of the country was suffering during the Great Depression, Central Insurance continued to expand.

In 1940 the Boston Regional Branch office was opened and Central Insurance officially expanded its services to the East Coast.

A decade later, in 1951, a third office opened in Dallas, Texas, followed just a few years later by an office in Atlanta, GA.

In 1961 Central Insurance’s stock company,  All America Insurance Agency was incorporated. Today, Central Insurance is comprised of Central Mutual Insurance Company, All America Insurance Company, and CMI Lloyds, and has combined assets of over $1 billion.

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How do I contact Central Auto Insurance?

Central Auto Insurance is divided into the home office and regional branch offices. Depending on which state you live in, you would contact a different branch office.

Home office/Central Regional Office – Covering Illinois, Indiana, Michigan, and Ohio:

P.O. Box 351
Van Wert, OH 45891
Phone: 419-238-1010

Northeast Regional Office – Covering Connecticut, Massachusetts, New Hampshire, and New York

404 Wyman St.
Suite 360
Waltham, MA 02451-1270

Phone: 781-890-1752

Southeast Regional Office – Covering Georgia, North Carolina, South Carolina, Tennessee, and Virginia

11605 Haynes Bridge Rd.
Suite 500
Alpharetta, GA 30009

Phone: 770-740-8000

Southwest Regional Office – Covering Arizona, Colorado, New Mexico, Oklahoma, and Texas

7301 North State Highway 161
Suite 320
Irving, TX 75039

Phone: 972-401-3400

Central Auto Insurance Policies

Central Auto Insurance offers several different types of auto insurance policies to meet the needs of all of its customers. Common policies it offers include:

  • Basic Collision Insurance
  • Comprehensive Car Insurance
  • Uninsured Motorist Protection
  • Liability Insurance
  • Medical Insurance (for injuries sustained in an automobile accident)

Central also offers two additional policy options for those wishing to have additional features within their coverage. These options are not available in all states.

Auto Plus

Auto Plus adds additional protection to your current policy for an increased premium.

Additional features include:

  • Towing and labor coverage
  • Deductible waived if you are hit by a hit and run driver
  • Additional medical coverage

Summit Auto Policy

The Summit Policy is Central’s premier auto insurance policy:

It includes many additional features, which include:

  • Repair/Replacement coverage
  • Glass replacement coverage with no deductible
  • Rental car coverage
  • Leased auto gap coverage
  • Lockout coverage
  • Personal effects coverage

Central Auto Insurance Agents

If you are interested in obtaining a quote from Central Auto Insurance you must do so by contacting an agent. You cannot receive quotes online through the Central Insurance website. By calling the number for your regional office you can locate an agent in your area.

Central operates using an independent agent system. This means that the agents they use do not work solely for them, but instead represent two or more auto insurance companies.

These agents examine your personal needs, budget, driving history, etc. to determine which company’s policies best meet your needs.

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 How do I file a claim with Central Auto Insurance?

If you need to file a loss claim with Central Auto Insurance there is more than one way that you may do so.

You may do the following:

  • Contact your local agent
  • Call the nationwide claims number which is 888-263-2924
  • Report a claim online through Central’s website

The online option also allows you to check the status of an existing claim. The only exceptions to this are glass claims which must be reported by calling 800-988-9808.

Central Auto Insurance Careers

Central Auto Insurance is a large insurance company offering careers in many possible fields in various locations throughout the country. Central currently employs approximately 558 employees.

When new positions open up they are listed on the employment link on the Central Insurance website. Central offers its employees a thorough benefits package which includes medical, dental, and vision care.

Employees are also privy to flexible spending accounts, life insurance, a pension, disability, vacation days which increase with longevity, and “Central” days which are three personal days off per year.

Central Auto Insurance Awards and Recognition

Central Auto Insurance has received several awards over the years including:

  • Best Practices Award (2006-2009)
  • ASCnet Partner Award (2007-2010)
  • Deep Customer Connections 7th Annual Ease of Doing Business Award (2009)
  • PIA Insurance Company Satisfaction Survey (2008-2009)
  • Associated Builders and Contractors of Indiana Award (2008)
  • ASCnet Achievement Award (2008)
  • ASCnet Interface Award (2007)

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  1. https://www.central-insurance.com/
  2. https://www.history.com/topics/great-depression
  3. https://all-americaninsurance.net/
  4. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  5. https://www.healthcare.gov/
  6. https://en.wikipedia.org/wiki/Pension
  7. https://www.abcindianakentucky.org/

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