Cheaper Toledo Car Insurance Rates

Cheaper Toledo Car Insurance Rates

The preferred way to get discount car insurance rates in Toledo is to start doing an annual price comparison from different companies who sell auto insurance in Ohio. Drivers can shop around by following these steps.

  1. It will benefit you to learn about the different coverages in a policy and the changes you can make to keep rates down. Many factors that cause rate increases such as traffic citations, accidents, and a substandard credit history can be rectified by making minor changes to your lifestyle.
  2. Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while agents who are independent can provide rate quotes from many different companies.
  3. Compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate and change companies, ensure coverage does not lapse between policies.
  4. Provide adequate notice to your current company to cancel your current car insurance policy and submit a completed policy application and payment to your new company or agent. Immediately upon receiving it, store the certificate of insurance with your vehicle’s registration.

A good tip to remember is to use similar deductibles and liability limits on each quote request and and to get price estimates from as many car insurance companies as possible. This enables an accurate price comparison and a good representation of prices.

Brand loyalty may be costing you hundreds every year. Compare rates now and save.

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Toledo, Ohio Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Drive responsibly or pay higher rates

The example below highlights how traffic violations and fender-benders impact insurance costs for different categories of driver ages. The premium estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Getting the cheapest price on car insurance coverage depends on many different factors, but the average price in Toledo is approximately $770 for an annual policy. The U.S. average about $1,230, so Toledo drivers pay roughly $453 less each year than drivers in surrounding states.

Auto insurance rates in Toledo are calculated based upon many factors, and one of the largest components is the vehicle you are insuring. The rate table below shows the policy premium for some of the most popular vehicles sold in Toledo.

Auto Insurance Rates for Popular Vehicles in Toledo
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Equinox LT 2WD $764 $382 $64
Chevrolet Impala LS $746 $373 $62
Chevrolet Silverado LS Regular Cab 4WD $694 $347 $58
Dodge Grand Caravan CV $712 $356 $59
Dodge Ram Quad Cab SLT 2WD $826 $413 $69
Ford Edge SE AWD $746 $373 $62
Ford Escape XLS 4WD $644 $322 $54
Ford F-150 Lariat King Ranch 2WD $836 $418 $70
Ford Focus SE 4-Dr Sedan $746 $373 $62
Honda Accord EX 2-Dr Coupe $858 $429 $72
Honda CR-V LX 4WD $644 $322 $54
Honda Civic EX 4-Dr Sedan $798 $399 $67
Jeep Grand Cherokee SRT-8 4WD $836 $418 $70
Kia Optima EX $878 $439 $73
Nissan Altima 2.5 S 2-Dr Coupe $878 $439 $73
Nissan Rogue SL AWD $858 $429 $72
Toyota Camry Hybrid $878 $439 $73
Toyota Corolla S $816 $408 $68
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can influence premium rates greatly.

Top 15 cheapest vehicles to insure in Toledo, OH
Honda Fit
Hyundai Accent
Mini Cooper
Chevrolet Colorado
Kia Rondo
Mazda MX-5 Miata
Mazda 5
Hyundai Elantra
Honda CR-V
Ford Escape
Chrysler PT Cruiser
Honda Accord
Jeep Wrangler
Nissan Xterra
Ford F-150

Top 15 most expensive vehicles to insure in Toledo, OH
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
Mercedes-Benz S63 AMG
Mercedes-Benz CL550
Porsche Panamera
Porsche 911
TESLA Roadster
Chevrolet Corvette
Porsche Cayenne

Top 15 safest vehicles to insure in Toledo, OH
Chrysler Town and Country
Toyota FJ Cruiser
Chevrolet Silverado
Chevrolet Equinox
Nissan Titan
GMC Acadia
Jeep Liberty
Chevrolet Colorado
Ford Fusion
Subaru Outback
Jeep Wrangler
Volvo XC60
Buick Enclave
Infiniti QX56
GMC Yukon