Who Has Affordable Car Insurance Quotes for Immigrants in Toledo?

Wouldn’t this article be short if we could just give you the name of that one perfect company that has the most affordable coverage for immigrants? Unfortunately, it’s just not that easy, as there are a whole slew of unknown aspects like what liability limits you need, the area where you live, and if you are currently insured, that all go into determining the rate you pay. This article goes into detail about these things and also should give you some help in finding cheaper rates.

The car, truck, or SUV that needs insurance is one of the primary factors when comparison shopping for low-priced insurance for immigrants. Vehicles with higher performance characteristics, a lack of advanced safety features, or an increased likelihood of liability claims will cost much more to insure than safer models.

The next list outlines insurance rates for a number of the more affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Toledo, OH
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,244
Toyota Prius $1,377
Jeep Wrangler Rubicon 4WD 2-Dr $1,392
Ford Escape XLT 4WD $1,395
Honda CR-V EX 4WD $1,405
Ford F-150 STX Super Cab 4WD $1,420
Honda Civic DX 4-Dr Sedan $1,443
Chevrolet Malibu LS $1,470
Dodge Grand Caravan Hero $1,478
Hyundai Elantra SE Touring Station Wagon $1,483
Ford Fusion SE 4-Dr Sedan $1,578
Volkswagen Jetta SE 2.5 Station Wagon $1,603
Chevrolet Equinox LT 2WD $1,611
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in zip code location which can change premiums greatly.

Looking at the rates, models like the Honda Accord, Toyota Prius, Jeep Wrangler, Ford Escape, and Honda CR-V will definitely be the more affordable vehicles to insure for foreigners.

For foreigners, one of the big criteria that are looked at to determine insurance cost is where your car is garaged in Toledo. Cities with more crime and/or more people tend to have higher rates, whereas more rural areas can boast about having cheaper rates.

The information below sorts the most expensive places in Ohio for immigrants to purchase auto insurance in. Toledo is ranked #1 with an annual premium of $1,279 on average, which is approximately $107 each month.

How much does auto insurance cost in Toledo?
Rank City Annual Premium
1 Toledo $1,279
2 Youngstown $1,247
3 Cleveland $1,222
4 Cincinnati $1,210
5 Columbus $1,199
6 Cleveland Heights $1,178
7 Hamilton $1,146
8 Dayton $1,142
9 Akron $1,135
10 Euclid $1,129
11 Springfield $1,105
12 Canton $1,091
13 Newark $1,085
14 Fairfield $1,053
15 Beavercreek $1,047
16 Strongsville $1,041
17 Parma $1,037
18 Middletown $1,035
19 Lakewood $1,031
20 Cuyahoga Falls $1,027
21 Kettering $1,020
22 Elyria $995
23 Mansfield $992
24 Mentor $978
25 Lorain $975
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Table data uses comparative as the specific zip code location can influence premium rates significantly.

Deciphering which companies have the best car insurance rates for immigrants may require a little more effort than just comparing a company or two. Each insurance company uses their own formula to set premium rates, so to begin we’ll rank the car insurance companies that tend to be cheaper in Toledo, OH.

It’s important to know that Ohio car insurance rates are impacted by many things which can substantially change the price you pay. Improving your credit rating, increasing deductibles, or having an accident may generate price changes that can cause some rates to be more affordable than the competition.

Find the Best Cheap Insurance for Migrants

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Cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $647
2 Erie $661
3 Allied $697
4 Frankenmuth $701
5 Travelers $726
6 USAA $733
7 Cincinnati Insurance $756
8 Merchants Insurance Group $771
9 Grange Mutual $812
10 General Casualty $813
11 Motorists Mutual $824
12 Central Mutual $874
13 State Farm $885
14 Hastings Mutual $893
15 Westfield $908
16 Atlantic States $913
17 Auto-Owners $958
18 Western Reserve $970
19 Progressive $982
20 Farmers $1,025
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Utica National generally has some of the cheapest car insurance rates in Toledo at around $647 each year. This is $393 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also rank well as some of the more affordable Toledo, OH car insurance companies.

As shown above, if you buy coverage from Allied and switched to Utica National, you may realize savings of approximately $50. Customers with Frankenmuth may save as much as $54 a year, and Travelers insureds might lower prices by $79 a year.

It’s important to note that these rates are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for immigrants. So the insurer that can offer you the lowest price may not even be in the top 33 companies in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own individual information.

How to get discounts on Toledo auto insurance

Save on car insurance for foreigners in ToledoAuto insurance companies that sell policies for immigrants may have special discounts that can lower rates by 30% or more if you can meet the requirements. Companies and some of their more popular discounts are shown below.

The example below shows the difference between insurance prices with and without discounts applied. The data is based on a female driver, no claims or driving violations, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, marriage, homeowner, safe-driver, accident-free, and anti-theft discounts applied. When discounts are factored in, the average savings per year on car insurance for immigrants is 28% or $465.

Tickets and at-fault accidents raise rates

The obvious way to enjoy the best car insurance rates for foreigners is to drive safely and not get tickets or have accidents. The example below illustrates how violations and at-fault fender-benders can affect premium costs for each age group. Data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of an auto insurance policy in Toledo per year with a clean driving record and no accidents is $819. Receive one speeding ticket and the average cost jumps to $941, an increase of $122 each year. Now add in one accident along with the one speeding ticket and the yearly cost of car insurance for immigrants increases to an average of $1,279. That’s an increase of $460, or $38 per month, just for not driving carefully!

If you aren’t clear which coverage you need and would like to have the advice of a professional agent when shopping around for cheaper insurance for foreigners, the insurance agencies below can probably provide answers to your questions and help you determine which car insurance company is the best fit. To find an auto insurance agency close to where you live, click the button at the bottom.

Powell Insurance Inc
6029 Renaissance Pl # AToledo, OH 43623(419) 882-1076

State Farm: Rex Sims
111 N Reynolds RdToledo, OH 43615(419) 531-4036

Allstate Insurance: Ahmad Rachidi
1544 S Byrne RdToledo, OH 43614(419) 385-4107

Allstate Insurance: Jessica J. Hernandez
1855 S Reynolds Rd BToledo, OH 43614(419) 536-9000

Kranz PJ Insurance Agency
4349 Talmadge RdToledo, OH 43623(419) 473-2416

View more Toledo, OH insurance agents

How to find more affordable insurance for immigrants

The list below details some of the recommended thrifty suggestions that can help drivers quote lower-cost coverage.

The final tip is extremely valuable, as we hit on in the article above. Car insurance rates change a lot, so don’t be unwilling to buy a policy from a new company if a lower-cost policy is available.

Sticking with a specific company is fine, but it’s not recommended if that loyalty ends up costing hundreds of dollars a year. Now is a great time to compare prices to find cheaper insurance for immigrants in Toledo.