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.
- 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.
- 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.
- 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.
- 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.
AUTO INSURANCE FACT
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| 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.
| 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 |
| Get Rate Quotes for Your Vehicle Go | |||
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 |
| BMW M6 |
| 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 |