The vehicle driven is probably the largest consideration when comparing the best cheap coverage for state employees. Vehicles with lots of horsepower, a lack of safety features, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models.
The data below shows coverage rates for a handful of the cheapest automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,251 |
| Honda Odyssey LX | $1,376 |
| Ford Explorer Eddie Bauer 2WD | $1,403 |
| Ford Escape Limited 2WD | $1,462 |
| Chevrolet Impala LT | $1,480 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,485 |
| Ford Focus SES 4-Dr Sedan | $1,530 |
| Hyundai Elantra SE Touring Station Wagon | $1,551 |
| Ford Edge Limited AWD | $1,558 |
| Honda CR-V EX-L 4WD | $1,568 |
| Toyota Prius | $1,584 |
| GMC Sierra SLE Crew Cab 4WD | $1,586 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,592 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,586 |
| Toyota RAV4 Limited 4WD | $1,695 |
| Dodge Grand Caravan CV | $1,718 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,754 |
| Find Cheaper Rates Go | |
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific location information which can alter prices greatly.
Based upon the table data, we can conclude that vehicles like the Honda Accord, Honda Odyssey, Ford Explorer, Ford Escape, and Chevrolet Impala are most likely going to be the more affordable vehicles to insure for state workers.
Finding good, affordable insurance is challenging, and finding out which company has the most affordable auto insurance rates for state employees will take a little more work. Every insurance company has their own guidelines for determining rates, so first we will examine the auto insurance companies that tend to have lower prices in Toledo, OH.
Best Auto Insurance Prices in Ohio
Click Here to Start Your Quote
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $654 |
| 2 | Erie | $661 |
| 3 | Frankenmuth | $680 |
| 4 | Allied | $690 |
| 5 | Travelers | $705 |
| 6 | USAA | $719 |
| 7 | Merchants Insurance Group | $771 |
| 8 | Cincinnati Insurance | $779 |
| 9 | Motorists Mutual | $800 |
| 10 | General Casualty | $805 |
| 11 | Grange Mutual | $828 |
| 12 | Central Mutual | $848 |
| 13 | Hastings Mutual | $866 |
| 14 | State Farm | $885 |
| 15 | Atlantic States | $913 |
| 16 | Westfield | $946 |
| 17 | Progressive | $953 |
| 18 | Western Reserve | $961 |
| 19 | Nationwide | $988 |
| 20 | Farmers | $995 |
| Find Cheaper Rates Go | ||
Utica National may have some of the lowest car insurance rates in Toledo at around $654 each year. This is $386 less than the average rate paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers would also be considered some of the more affordable Toledo, OH insurance companies.
As the example above demonstrates, if you currently have a policy with Travelers and switched to Erie, you might realize yearly savings of about $44. Policyholders with USAA could save as much as $58 a year, and Merchants Insurance Group customers might lower prices by up to $110 a year.
These rates are averaged across all drivers and vehicles and and are not figured with an exact zip code location for state employees. So the car insurance company that can offer you the best price may not even be in the top 33 companies in the list above. That is why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
For state workers, one of the more important things that are looked at to help calculate the annual cost of car insurance is where you choose to live in Toledo. Larger areas likely pay more, whereas areas with less congestion profit from lower rates.
The following table shows the most costly cities in Ohio for state employees in which to purchase auto insurance. Toledo is listed at #1 with the yearly price of $1,267 for the average insurance policy, which is about $106 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Toledo | $1,267 |
| 2 | Cleveland | $1,259 |
| 3 | Youngstown | $1,247 |
| 4 | Columbus | $1,235 |
| 5 | Cleveland Heights | $1,202 |
| 6 | Cincinnati | $1,174 |
| 7 | Akron | $1,157 |
| 8 | Euclid | $1,129 |
| 9 | Dayton | $1,120 |
| 10 | Hamilton | $1,113 |
| 11 | Springfield | $1,094 |
| 12 | Canton | $1,091 |
| 13 | Fairfield | $1,063 |
| 14 | Newark | $1,063 |
| 15 | Middletown | $1,055 |
| 16 | Lakewood | $1,041 |
| 17 | Strongsville | $1,031 |
| 18 | Cuyahoga Falls | $1,027 |
| 19 | Beavercreek | $1,016 |
| 20 | Kettering | $1,009 |
| 21 | Mansfield | $1,002 |
| 22 | Parma | $997 |
| 23 | Lorain | $985 |
| 24 | Mentor | $978 |
| 25 | Elyria | $965 |
| Get a Custom Quote Go | ||
Premium amounts are approximated as the specific geographic location can influence coverage prices greatly.
How to get discounts on Toledo car insurance
Auto insurance companies that offer cheap quotes for state employees may also give you premium discounts that can lower rates by 25% or more if you qualify. A list of auto insurance companies and a selection of discounts include:
- State Farm may include discounts for anti-theft, student away at school, Drive Safe & Save, driver’s education, good student, and passive restraint.
- Esurance discounts include multi-policy, anti-theft, online quote, safety device, and claim free.
- Progressive offers discounts including online quote discount, homeowner, continuous coverage, online signing, good student, and multi-policy.
- Liberty Mutual offers premium reductions for safety features, new vehicle discount, newly retired, good student, and new graduate.
- Auto-Owners Insurance offers discounts for anti-theft, paperless, air bags, multi-policy, and mature driver.
- GEICO policyholders can earn discounts including defensive driver, membership and employees, air bags, military active duty, multi-policy, and seat belt use.
The chart below illustrates the difference between insurance prices with and without discounts applied. The information is based on a female driver, no claims or driving citations, Ohio state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with defensive driving course, marriage, anti-theft, safe-driver, multiple policy, and vehicle safety discounts applied. When taking advantage of discounts, theamount saved on auto insurance for state employees is 27% or $340.
Insurance rate increases from tickets or accidents
The recommended way to get good auto insurance rates in Toledo for state workers is to drive safe and avoid getting tickets or having accidents. The information below shows how traffic citations and accident claims can impact car insurance rates for different age groups. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of a car insurance policy in Ohio per year with no accidents and a clean driving record is $741. Factor in two speeding tickets and the average cost surges to $1,041, an increase of $300 each year. Then include one accident along with the two speeding tickets and the 12-month cost of auto insurance for state employees jumps again to an average of $1,346. That’s an increase of $605, or $50 per month, just for not driving responsibly!
Shop around and save
Toledo, OH auto insurance rates are calculated based on many things which can substantially change the price of coverage. Improving your credit rating, getting married, or getting a few speeding tickets may prompt premium changes that can cause some rates to be cheaper than before.
And not only may your rating factors change, but auto insurance companies file new Ohio auto insurance rates without warning in order to maintain liquidity for claims. Heavier than normal losses may result in additional price hikes, while lower claims can result in lower-cost Toledo car insurance rates.
The graph below shows the company with the cheapest car insurance in Toledo, OH for a 45-year-old female driver with no prior accidents, a clean driving record, and a good credit history. If we estimate rates based on her personal profile, Utica National may offer the most affordable car insurance rates in Toledo at $805 a year. This is $235 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the rest of the top five cheapest Toledo, OH auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison an at-fault accident, poor credit, and a traffic citation. Due to the fact that each insurance company uses their own formula to establish rates, comparing prices could now result in a slightly different list of the cheapest companies as shown below.
Merchants Insurance Group now has the lowest price on auto insurance in Toledo, OH with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty now rounding out the top five. This example proves why Ohio drivers need to compare lots of rates to find affordable car insurance rates for state employees. Prices consist of many things and can change substantially, so the best price six months ago may now be quite expensive.
How to find cheaper auto insurance for state employees
The list below details a few thrifty ideas that can help you locate cheap coverage.
- Violations and traffic tickets increase rates
- Safer vehicles cost less to insure
- Do not pay for comprehensive and collision coverage on older vehicles
- Raise physical damage deductibles
- Avoid accidents
- Drivers with good credit ratings often pay less
- Comparison shop at least once a year
The last idea is notably valuable, as we emphasized in this piece. Insurance rates in Toledo can change in a short period of time, so don’t be tentative to switch companies if a more affordable rate is found. Staying with the same company for years is fine, but it’s not a great idea if that loyalty results in overpaying lots of money. In just a few minutes you could shop around to find cheaper insurance for state employees.