What Car Insurance is Cheapest for Low Mileage Drivers in Toledo?

The vehicle model on the policy is a large consideration that determines the availability of low-priced car insurance for low mileage drivers. Vehicles with higher performance, a lack of advanced safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models.

The next table ranks insurance premiums for a number of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Toledo, OH
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,301
Ford Escape XLS 4WD $1,425
Honda CR-V LX 2WD $1,435
Toyota Prius $1,443
GMC Sierra SLE Regular Cab 2WD $1,541
Toyota RAV4 Sport 2WD $1,550
Hyundai Elantra SE Touring Station Wagon $1,551
Ford F-150 XL Regular Cab 4WD $1,595
Honda Odyssey EX-L $1,626
Ford Edge Limited AWD $1,635
Toyota Camry XLE $1,626
Nissan Rogue SL 2WD $1,649
Chevrolet Impala LS $1,654
Ford Fusion SE 4-Dr Sedan $1,656
Toyota Tacoma 4WD $1,659
Dodge Grand Caravan SE $1,666
Ford Explorer Eddie Bauer AWD $1,718
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,728
Hyundai Sonata SE 4-Dr Sedan $1,734
Chevrolet Malibu LS $1,739
Toyota Corolla S $1,782
Volkswagen Jetta SEL 4-Dr Sedan $1,813
Jeep Grand Cherokee Limited 4WD $1,857
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific location which can change auto insurance rates noticeably.

Looking at the rates, vehicles like the Honda Accord, Ford Escape, Honda CR-V, and Toyota Prius should be a few of the cheapest vehicles to insure for infrequent drivers.

Figuring out which companies quote the most affordable car insurance rates for low mileage drivers takes a tad more effort in order to find a policy that fits your budget. Each company has a different process to determine premium rates, so we’ll take a look at the car insurance companies with the most affordable rates in Toledo, OH.

It’s important that you understand Toledo, OH car insurance rates are calculated based on many things that can increase the cost of having a policy. Turning one year older, buying a new vehicle, or having a fender bender may generate price changes that can make some companies cheaper in comparison to the competition.

Find the Cheapest Car Insurance in Ohio

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Rankings for the cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $635
2 Erie $667
3 Allied $697
4 Frankenmuth $701
5 Travelers $726
6 USAA $733
7 Merchants Insurance Group $748
8 Cincinnati Insurance $772
9 Motorists Mutual $800
10 Grange Mutual $812
11 General Casualty $829
12 State Farm $867
13 Central Mutual $874
14 Hastings Mutual $884
15 Atlantic States $931
16 Westfield $936
17 Western Reserve $941
18 Progressive $953
19 Nationwide $988
20 Farmers $995
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Utica National quotes some of the cheapest car insurance rates in Toledo at around $635 per year. This is $405 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers would also make the list of some of the lowest-priced Toledo, OH car insurance companies.

As shown in the rates above, if you are a customer of Frankenmuth and switched to Utica National, you could realize yearly savings of upwards of $66. Policyholders with Travelers might save as much as $91 a year, and USAA insureds might lower prices by up to $98 a year.

To see if you’re overpaying, click here to begin a quote or quote rates from the companies below.

Bear in mind that those policy rates are averages for all ages of drivers and types of vehicles and do not factor in a specific zip code for low mileage drivers. So the company that fits your age and vehicle best may not even be in the top 33 companies shown above. That underscores the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.

For infrequent drivers, one of the big things that help determine the annual cost of car insurance is the neighborhood you call home. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with less people or fewer weather incidents profit from lower rates.

The illustration below lists the highest-priced places in Ohio for low mileage drivers to buy car insurance in. Toledo ranks #1 costing $1,279 for coverage, which is around $107 monthly.

How much does auto insurance cost in Toledo?
Rank City Annual Premium
1 Toledo $1,279
2 Youngstown $1,273
3 Cleveland $1,259
4 Columbus $1,247
5 Cincinnati $1,186
6 Cleveland Heights $1,178
7 Euclid $1,164
8 Hamilton $1,146
9 Dayton $1,142
10 Akron $1,123
11 Fairfield $1,085
12 Lakewood $1,073
13 Middletown $1,066
14 Springfield $1,061
15 Canton $1,058
16 Newark $1,053
17 Kettering $1,051
18 Beavercreek $1,047
19 Strongsville $1,011
20 Parma $1,007
21 Cuyahoga Falls $1,007
22 Lorain $1,005
23 Mansfield $1,002
24 Elyria $995
25 Mentor $978
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Rate quotes are estimated as zip code location can revise auto insurance rates noticeably.

Discount Toledo insurance rates

Discounts on car insurance for low mileage driversCar insurance companies that offer quotes for low mileage drivers may also offer rate discounts that could reduce prices by 35% or more if you are eligible to receive them. Larger car insurance companies and some of the premium reductions they offer are outlined below.

The chart below compares yearly insurance costs with and without policy discounts. The costs are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, defensive driving course, marriage, vehicle safety, claim-free, and multiple policy discounts applied. When discounts are factored in, theamount saved on car insurance for low mileage drivers is 27% or $358.

The diagram below shows how different deductible levels can affect insurance costs when searching for cheap insurance for low mileage drivers. The rate quotes are based on a single male driver, full coverage, and no discounts are factored in.

The chart above illustrates that a 50-year-old driver could lower rates by $224 a year by increasing from a $100 deductible up to a $500 deductible, or save $338 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could roll back prices up to $734 annually just by choosing larger deductibles. When using a larger deductible, it will be required to have plenty of money set aside to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Picking a highly-rated insurance company can be difficult considering how many choices there are in Toledo. The rank data shown below may help you choose which providers to look at when comparing auto insurance rates for low mileage drivers.

These rankings include companies with a nationwide focus, so companies that have a smaller presence are not included in the list. If you would like to check rates from these and other competitive companies, click here.

Top 10 Large Auto Insurance Providers in Toledo Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

Top 10 Large Auto Insurance Providers in Toledo Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. State Farm
  6. Liberty Mutual
  7. Safeco Insurance
  8. Allstate
  9. 21st Century
  10. Travelers

How to find more affordable auto insurance for low mileage drivers

Lowering your rates is not difficult, and here are many thrifty solutions that can help Ohio drivers buy cheap car insurance.

That last piece of advice is particularly critical, as was affirmed in the prior information. Coverage prices in Toledo fluctuate considerably, so don’t be tentative to change insurance companies if you find a better deal.

Staying with the same company for years is fine, but it isn’t a good idea if that faithfulness ends up costing you hundreds of dollars a year. In less than five minutes you could compare rates and find cheaper auto insurance for low mileage drivers.

The auto insurance agents in Toledo shown below can help you decide which car insurance policy is best, since lots of people like to get some professional input when buying car insurance for low mileage drivers. It’s not always simple to find the best policy on your own, so using a licensed agent can give peace of mind knowing your coverage gives you adequate protection in the event of a claim.

To locate a Toledo car insurance agency in your neighborhood, click the link after the list.

Matt Vierk – State Farm Insurance Agent
5650 W Central Ave, Ste AAToledo, OH 43615(419) 843-4001

Stoner Johnson Insurance Agency
2330 Airport HwyToledo, OH 43609(419) 385-3101

Allstate Insurance: Jennifer Soda Zielinski
2509 W Sylvania Ave Ste 12Toledo, OH 43613(419) 472-9690

Knight Insurance Group
22 N Erie StToledo, OH 43624(419) 241-5133

More insurance agents in Toledo, OH