Best Toledo, Ohio Auto Insurance in 2024 (Check Out the Top 10 Companies)
State Farm, USAA, and Geico offer great options for best Toledo, Ohio auto insurance, with State Farm starting at $150 per month. These plans provide cheapest coverage and tailored benefits for drivers in your area. For more savings, compare quotes to find the best deal suited to your Toledo, Ohio auto insurance.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Sep 16, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage in Toledo OH
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Toledo OH
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Toledo OH
A.M. Best Rating
Complaint Level
Pros & Cons
State Farm, USAA, and Geico are best Toledo, Ohio auto insurance, with State Farm’s rates beginning at $59 per month. These companies offer economical coverage and personalized benefits suited for drivers in the area.
Finding cheap auto insurance in Toledo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Toledo, Ohio, including driving record, credit, commute time, and more.
Our Top 10 Company Picks: Best Toledo, Ohio Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Reliable Claims State Farm
#2 18% A++ Competitive Premiums Geico
#3 14% A+ Innovative Programs Progressive
#4 16% A+ Personalized Service Allstate
#5 22% A++ Competitive Rates USAA
#6 21% A+ Safe-Driving Discounts Nationwide
#7 16% A Customizable Policies Liberty Mutual
#8 12% A+ Many Discounts Farmers
#9 10% A++ Extensive Coverage Travelers
#10 11% A+ Customer Satisfaction Amica
Before you buy Toledo, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Toledo, Ohio auto insurance quotes.
- Monthly auto insurance rates in Toledo, OH for senior drivers are $148
- In Toledo, Liberty Mutual has the highest auto insurance rates for teen drivers
- The minimum auto insurance required in Toledo, Ohio is 25/50/25
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#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Coverage Options: Offers a wide range of coverage options including rental car reimbursement and roadside assistance, making it a strong contender for the best Toledo, Ohio auto insurance. This extensive range ensures that most drivers can find suitable coverage.
- Strong Customer Service: Highly rated for customer service with a network of local agents for personalized assistance, positioning State Farm as a top choice for the best Toledo, Ohio auto insurance. This can be particularly beneficial when navigating complex claims or policy questions. Read more on State Farm auto insurance review.
- Discounts Available: Provides various discounts, such as for safe driving and bundling policies, enhancing its appeal as a provider of the best Toledo, Ohio auto insurance. These discounts can significantly reduce your overall premium.
Cons
- Higher Premiums: Rates can be higher compared to some competitors, especially for drivers with a poor record, which might make it less affordable for the best Toledo, Ohio auto insurance. This may make State Farm less attractive if you’re looking to minimize costs.
- Limited Online Tools: The online interface for managing policies and claims can be less user-friendly compared to other insurers, impacting its effectiveness as the best Toledo, Ohio auto insurance provider. This could result in a less streamlined customer experience.
#2 – Geico: Best for Competitive Premiums
Pros
- Competitive Premiums: Known for offering some of the most competitive rates in the industry, making it a leading option for the best Toledo, Ohio auto insurance. This helps you save money while still obtaining comprehensive coverage. Learn more about Geico auto insurance review.
- User-Friendly Website: Excellent online tools and mobile app for managing your policy and filing claims, enhancing its reputation as the best Toledo, Ohio auto insurance. This makes handling your insurance needs more convenient.
- Discount Opportunities: Provides a variety of discounts, including for good driving habits and multi-policy bundling, which contributes to its status as a top provider of the best Toledo, Ohio auto insurance. These discounts can lead to substantial savings on your premiums.
Cons
- Limited Local Agents: Fewer physical locations and agents available for in-person support, which may affect its ranking as the best Toledo, Ohio auto insurance. This can be a drawback if you prefer face-to-face interactions.
- Basic Coverage Options: May lack some of the more comprehensive coverage options offered by other providers, potentially impacting its standing as the best Toledo, Ohio auto insurance. This might limit your choices for additional coverage needs.
#3 – Progressive: Best for Innovative Programs
Pros
- Innovative Programs: Offers unique programs like Snapshot that reward safe driving with potential discounts, which can make it a strong contender for the best Toledo, Ohio auto insurance. This can help you lower your premiums based on your driving habits.
- Customizable Policies: Allows extensive customization of coverage options to fit individual needs, enhancing its appeal as the best Toledo, Ohio auto insurance. This flexibility ensures you can tailor your policy to your specific requirements.
- Competitive Rates: Provides competitive rates with various discount opportunities, making it a noteworthy option for the best Toledo, Ohio auto insurance. This balance of affordability and coverage is a strong selling point. Read more on Progressive auto insurance review.
Cons
- Complex Pricing Structure: The pricing and discount structure can be complex and confusing for some customers, which might affect its effectiveness as the best Toledo, Ohio auto insurance provider. This might require extra effort to fully understand potential savings.
- Customer Service Variability: Customer service experience can vary depending on the representative or location, which may impact its status as the best Toledo, Ohio auto insurance. Inconsistent service can affect the overall customer experience.
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#4 – Allstate: Best for Personalized Service
Pros
- Personalized Service: Known for personalized service with local agents who can tailor policies to your needs, making it a top choice for the best Toledo, Ohio auto insurance. This can result in a more customized insurance experience. Read more on Allstate auto insurance review.
- Comprehensive Coverage: Offers extensive coverage options, including accident forgiveness and new car replacement, which contributes to its reputation as the best Toledo, Ohio auto insurance. These options provide added peace of mind and protection.
- Strong Financial Stability: High financial strength ratings ensure reliability in paying claims, reinforcing its position as a provider of the best Toledo, Ohio auto insurance. This stability is crucial for long-term trust in your insurer.
Cons
- Higher Premiums: Generally higher premiums compared to some competitors, which might make it a less cost-effective choice for the best Toledo, Ohio auto insurance. This can make Allstate a less attractive option for some drivers.
- Mixed Customer Reviews: Customer service reviews can be mixed, with some customers reporting issues with claims processing, potentially affecting its standing as the best Toledo, Ohio auto insurance. This may impact your overall satisfaction with the service.
#5 – USAA: Best for Competitive Rates
Pros
- Exceptional Rates: Offers some of the lowest rates, especially for military families and veterans, making it a top contender for the best Toledo, Ohio auto insurance. This provides excellent value for eligible members. Learn more on USAA auto insurance review.
- Excellent Customer Service: Highly rated for customer service with a strong focus on the needs of military members, enhancing its reputation as the best Toledo, Ohio auto insurance. This specialized service often leads to high customer satisfaction.
- Broad Coverage Options: Provides a comprehensive range of coverage options tailored for military families, which contributes to its status as the best Toledo, Ohio auto insurance. This ensures that the specific needs of military personnel are met.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families, which limits access for those who do not qualify, affecting its potential as the best Toledo, Ohio auto insurance for the general public. This limits access to only those eligible.
- Limited Physical Locations: Fewer local agents and offices for in-person support, which can be inconvenient and impact its effectiveness as the best Toledo, Ohio auto insurance. This could be a drawback if you prefer face-to-face assistance.
#6 – Nationwide: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Offers significant discounts for safe driving and for installing anti-theft devices, making it a notable choice for the best Toledo, Ohio auto insurance. These discounts can lead to substantial savings on premiums.
- Flexible Coverage Options: Provides a wide range of coverage options and policy customization, which enhances its appeal as the best Toledo, Ohio auto insurance. This flexibility allows you to tailor your insurance to fit specific needs.
- Strong Customer Satisfaction: Generally high customer satisfaction ratings, positioning it as a strong contender for the best Toledo, Ohio auto insurance. This indicates a positive overall experience for most policyholders. Read more on Nationwide auto insurance review.
Cons
- Premium Variability: Premiums can vary significantly based on location and personal factors, which may affect its overall affordability as the best Toledo, Ohio auto insurance. This variability might impact your overall cost.
- Complex Claims Process: Some customers find the claims process to be less straightforward, which could impact its ranking as the best Toledo, Ohio auto insurance. This could lead to potential delays or frustrations in resolving claims.
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#7 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Allows extensive customization of coverage to meet specific needs, making it a strong option for the best Toledo, Ohio auto insurance. This ensures that your policy can be tailored to your individual requirements. Learn more on Liberty Mutual auto insurance review.
- Discounts for Bundling: Offers substantial discounts for bundling multiple policies, contributing to its status as a leading choice for the best Toledo, Ohio auto insurance. This can result in overall savings if you have more than one insurance need.
- Variety of Coverage Options: Includes options for unique coverage needs such as new car replacement, which enhances its appeal as the best Toledo, Ohio auto insurance. This provides additional protection that may be important for some drivers.
Cons
- Higher Rates: Premiums may be higher compared to some other insurers, especially for high-risk drivers, potentially affecting its status as the best Toledo, Ohio auto insurance. This can make Liberty Mutual a more expensive option.
- Inconsistent Service: Customer service experiences can vary based on the agent or office, which may impact its effectiveness as the best Toledo, Ohio auto insurance. This inconsistency may affect the quality of support you receive.
#8 – Farmers: Best for Many Discounts
Pros
- Multiple Discounts: Offers numerous discounts, including those for bundling and good driving records, which can enhance its standing as the best Toledo, Ohio auto insurance. These discounts can significantly lower your insurance costs.
- Wide Coverage Options: Provides a broad range of coverage options and additional endorsements, making it a strong contender for the best Toledo, Ohio auto insurance. This ensures you have access to comprehensive protection.
- Local Agents: Extensive network of local agents for personalized service and support, enhancing its appeal as the best Toledo, Ohio auto insurance. This can be beneficial for receiving tailored advice and assistance. Read more on Farmers auto insurance review.
Cons
- Higher Premiums: Rates can be on the higher side compared to some competitors, which may make Farmers a less cost-effective choice for the best Toledo, Ohio auto insurance. This can impact affordability for some drivers.
- Inconsistent Claims Experience: Some customers report issues with the consistency of the claims process, potentially affecting its ranking as the best Toledo, Ohio auto insurance. This could lead to potential difficulties during the claims process.
#9 – Travelers: Best for Extensive Coverage
Pros
- Extensive Coverage: Provides a wide array of coverage options, including specialized coverage for various needs, making it a notable option for the best Toledo, Ohio auto insurance. This ensures that diverse insurance needs are met.
- Discounts for Safe Driving: Offers discounts for safe driving and other risk-reducing measures, enhancing its reputation as a top choice for the best Toledo, Ohio auto insurance. This can help you save on premiums if you maintain a good driving record.
- Strong Financial Stability: High ratings for financial stability and reliability reinforce its status as a provider of the best Toledo, Ohio auto insurance. This provides confidence in the insurer’s ability to handle claims effectively. Learn more on Travelers auto insurance review.
Cons
- Premiums Can Be Higher: Rates may be higher for certain types of coverage or drivers with less-than-perfect records, which could affect its overall affordability as the best Toledo, Ohio auto insurance. This might impact the cost-effectiveness for some.
- Complicated Discounts: The discount structure can be complex and difficult to navigate, potentially impacting its ranking as the best Toledo, Ohio auto insurance. This may require extra effort to understand how to maximize your savings.
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#10 – Amica: Best for Customer Satisfaction
Pros
- High Customer Satisfaction: Known for high levels of customer satisfaction and strong customer service, making it a top contender for the best Toledo, Ohio auto insurance. This contributes to a positive overall experience.
- Various Discounts: Provides multiple discount opportunities, including for loyalty and safe driving, which enhances its appeal as the best Toledo, Ohio auto insurance. These discounts can lead to reduced premiums. Read more on Amica auto insurance review.
- Competitive Rates: Offers competitive rates with a good balance of coverage options, positioning it as a strong choice for the best Toledo, Ohio auto insurance. This helps in finding a cost-effective insurance solution.
Cons
- Limited Physical Locations: Fewer local agents and offices for in-person assistance, which can impact its effectiveness as the best Toledo, Ohio auto insurance. This can be inconvenient if you prefer face-to-face support.
- Basic Online Tools: The online tools and app may not be as advanced as some competitors, which could affect its ranking as the best Toledo, Ohio auto insurance. This might impact the convenience of managing your policy online.
Minimum Auto Insurance in Toledo, Ohio
Toledo, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Toledo, Ohio.
Minimum Required Auto Insurance Coverage in Toledo, Ohio
Toledo, Ohio Minimum Auto Insurance
Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
---|---|
Property Damage Liability Coverage | $25,000 minimum |
Specifically, the required auto insurance coverage includes bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000 per accident, and optional uninsured/underinsured motorist coverage.
Toledo, Ohio Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$65 | $160 | |
$61 | $150 | |
$66 | $157 | |
$60 | $145 | |
$68 | $165 | |
$62 | $152 | |
$64 | $155 | |
$62 | $150 | |
$63 | $155 | |
$59 | $140 |
State Farm, USAA, and Geico offer great options for best Toledo, Ohio monthly auto insurance rates.
While personal injury protection is not mandatory, it is recommended for additional coverage of medical expenses and lost wages. Adhering to these minimum requirements ensures compliance with Ohio law and provides a basic level of financial protection.
Cheap Toledo, Ohio Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Toledo, Ohio are affected by age, gender, and marital status. See how demographics impact the monthly cost of insurance.
Toledo, Ohio Monthly Auto Insurance by Age, Gender, and Marital Status
Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
---|---|---|---|---|---|---|---|---|
$243 | $262 | $118 | $124 | $98 | $101 | $90 | $93 | |
$226 | $245 | $113 | $120 | $94 | $97 | $88 | $90 | |
$235 | $255 | $116 | $122 | $96 | $99 | $89 | $92 | |
$214 | $232 | $105 | $111 | $90 | $93 | $82 | $85 | |
$265 | $285 | $135 | $140 | $115 | $120 | $105 | $110 | |
$232 | $252 | $117 | $123 | $95 | $98 | $89 | $91 | |
$255 | $275 | $125 | $131 | $102 | $105 | $95 | $98 | |
$230 | $248 | $114 | $120 | $93 | $96 | $86 | $89 | |
$248 | $268 | $122 | $128 | $100 | $103 | $91 | $94 | |
$195 | $214 | $98 | $104 | $84 | $87 | $78 | $81 |
Gender also impacts rates, with male drivers generally paying more than female drivers due to higher accident rates. Marital status further affects premiums, with married drivers often enjoying lower rates compared to single drivers, as they are perceived as less risky.
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Cheap Toledo, Ohio Auto Insurance by Driving Record
In Toledo, Ohio, your driving record significantly influences your auto insurance rates. Drivers with a clean driving record typically enjoy lower monthly premiums, averaging between $1,200 and $1,500. You can read it on, “How to Lower Your Auto Insurance Rates?”
In contrast, those with a poor driving record face much higher premiums, often ranging from $1,800 to $2,500 annually.
This difference reflects the higher risk associated with a bad driving history, which can lead to substantial increases in insurance costs and potentially restricted coverage options. Enter your ZIP code to begin comparing.
Cheap Toledo, Ohio Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Toledo, Ohio is not easy. Compare the monthly rates for DUI auto insurance in Toledo, Ohio to find the best deal.
Toledo, Ohio Monthly Auto Insurance Rates After a DUI
Insurance Company | One DUI |
---|---|
$401 | |
$499 | |
$364 | |
$318 | |
$786 | |
$251 | |
$353 | |
$214 | |
$426 | |
$188 |
As shown above the USAA, Traveler, and State Farm are the companies that offer lowest monthly auto insurance rates after a DUI.
To begin comparing, enter your ZIP code.
The Cheapest Toledo, Ohio Auto Insurance Companies
What auto insurance companies in Toledo, Ohio are the cheapest? Compare the top Toledo, Ohio 10 best auto insurance companies to find the best monthly rates.
Toledo, Ohio Monthly Auto Insurance by Insurance Company
Insurance Company | Rates |
---|---|
$101 | |
$97 | |
$99 | |
$93 | |
$120 | |
$98 | |
$105 | |
$96 | |
$103 | |
$87 |
You may consider the leading options for best Toledo, Ohio auto insurance companies which are State Farm, Geico and Progressive with the cheapest monthly auto insurance rates.
These companies not only offer competitive monthly rates but also have strong customer service reputations and various discount opportunities, making them top choices for residents in Toledo seeking the best auto insurance coverage. Enter your ZIP code to begin comparing.
Factors Influencing Auto Insurance Rates in Toledo, Ohio
Best Toledo, Ohio auto insurance rates, can be higher or lower compared to other cities due to several local factors. Traffic patterns, including congestion and frequent accidents, significantly influence premiums. Vehicle theft rates in Toledo also impact insurance costs, as higher theft rates can lead to increased premiums.
Additionally, local weather conditions, such as harsh winters or severe storms, contribute to insurance rates due to the increased risk of weather-related damage. Demographic factors, local crime rates, and the level of competition among insurance providers in Toledo further affect auto insurance rates.
These combined local factors create variations in insurance premiums, making it essential to consider them when evaluating coverage options.
Toledo Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Toledo, Ohio auto theft statistics, there have been 708 auto thefts in the city.
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Compare Toledo, Ohio Auto Insurance Quotes
Before purchasing the best Toledo, Ohio auto insurance, it’s crucial to compare rates from multiple insurance providers to ensure you are getting the most competitive coverage.
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You may consider providers like State Farm, Geico, and Progressive which is the best Toledo, Ohio auto insurance companies that offers excellent coverage with cheapest rates.
By entering your ZIP code below, you can obtain free quotes that will help you find the best Toledo, Ohio auto insurance options available.
Frequently Asked Questions
What is auto insurance and why is it important in Toledo, OH?
Auto insurance is a type of financial protection that covers damages and liabilities arising from accidents involving vehicles. In Toledo, OH, auto insurance is essential because it is required by law.
It helps protect drivers, passengers, and pedestrians by providing coverage for medical expenses, vehicle repairs, and legal liabilities resulting from accidents.
What types of auto insurance coverage are available in Toledo, OH?
Toledo, OH offers several auto insurance options, including Liability Coverage for damages if you’re at fault.
Personal Injury Protection (PIP) for medical expenses regardless of fault, Uninsured/Underinsured Motorist Coverage for accidents with underinsured drivers, and Collision Coverage for vehicle damage from collisions. Enter your ZIP code now to begin comparing.
How are auto insurance premiums determined in Toledo, OH?
In Toledo, OH, there’s factors that affect auto insurance rates premiums such as your driving record, age, and gender. Vehicle type can also impact rates, with luxury or high-performance cars often costing more. Higher coverage limits and lower deductibles increase premiums, and your credit history may also be considered.
Are there any discounts available for auto insurance in Toledo, OH?
In Toledo, OH, insurers offer discounts such as multi-policy savings, safe driving discounts, good student discounts, and discounts for installing anti-theft devices.
What should I do in the event of an auto accident in Toledo, OH?
If you’re in an auto accident in Toledo, OH, ensure everyone’s safety, call the police, exchange information with the other party, document the scene with photos, and notify your insurance provider to start the claims process. Enter your ZIP code to begin comparing.
What factors should I consider when choosing auto insurance in Toledo, OH?
Consider factors such as coverage options, premium costs, deductibles, discounts, and the insurer’s reputation for customer service and claims handling. Additionally, there’s type of auto insurance coverage that you may consider.
How can I find the best auto insurance rates in Toledo, OH?
Compare quotes from multiple insurers, review coverage options, and consider factors such as your driving record, vehicle type, and available discounts.
How does my driving record impact my auto insurance in Toledo, OH?
A clean driving record can lead to lower premiums, while a history of accidents or traffic violations may result in higher rates. Enter your ZIP code now to begin comparing.
What are the benefits of having comprehensive auto insurance in Toledo, OH?
Comprehensive insurance covers damage to your vehicle from non-collision events such as theft, vandalism, fire, and natural disasters. This provides added protection beyond what is covered by collision and liability insurance.
You may check the comprehensive auto insurance defined to understand it more.
What is the role of customer service in choosing the best auto insurance in Toledo, OH?
Customer service is crucial as it affects your experience with claims processing, policy changes, and general support. Look for insurers with a reputation for responsive and helpful customer service to ensure smooth handling of any issues that arise.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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