One of the many criteria that help determine car insurance rates is where you choose to live. More densely populated places tend to have more expensive auto insurance rates, whereas less populated areas can boast about having cheaper rates.
The next table shows the priciest cities in Ohio for police officers to buy an auto insurance policy in. Toledo is listed at #1 with a yearly cost of $1,279 for the average policy, which is approximately $107 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Youngstown | $1,235 |
| 3 | Cleveland | $1,222 |
| 4 | Columbus | $1,211 |
| 5 | Cincinnati | $1,210 |
| 6 | Cleveland Heights | $1,202 |
| 7 | Euclid | $1,140 |
| 8 | Hamilton | $1,135 |
| 9 | Akron | $1,123 |
| 10 | Dayton | $1,120 |
| 11 | Springfield | $1,105 |
| 12 | Canton | $1,102 |
| 13 | Newark | $1,085 |
| 14 | Fairfield | $1,053 |
| 15 | Strongsville | $1,041 |
| 16 | Mansfield | $1,032 |
| 17 | Lakewood | $1,031 |
| 18 | Middletown | $1,024 |
| 19 | Beavercreek | $1,016 |
| 20 | Lorain | $1,015 |
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Table data uses approximated as the specific geographic location can decrease or increase coverage prices noticeably.
Establishing which companies quote the most affordable insurance rates for police officers will involve a bit more work in order to find the best price. Every insurance provider has a proprietary formula for determining rates in each state, so let’s take a look at the most competitive insurance companies in Ohio.
It’s important to understand that Toledo, OH insurance rates are impacted by many factors that can increase the cost of a policy. Getting older, moving to a new city, or having an at-fault accident can trigger rate changes that can now make some companies more affordable than competitors.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $628 |
| 2 | Allied | $676 |
| 3 | Erie | $681 |
| 4 | Frankenmuth | $701 |
| 5 | Travelers | $705 |
| 6 | USAA | $719 |
| 7 | Cincinnati Insurance | $749 |
| 8 | Merchants Insurance Group | $755 |
| 9 | General Casualty | $813 |
| 10 | Motorists Mutual | $816 |
| 11 | Grange Mutual | $828 |
| 12 | Hastings Mutual | $858 |
| 13 | Central Mutual | $866 |
| 14 | State Farm | $894 |
| 15 | Atlantic States | $904 |
| 16 | Westfield | $946 |
| 17 | Progressive | $953 |
| 18 | Western Reserve | $970 |
| 19 | Nationwide | $988 |
| 20 | Auto-Owners | $988 |
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Utica National quotes some of the cheapest car insurance rates in Toledo at around $628 a year. This is $412 less than the average policy premium paid by Ohio drivers of $1,040. Allied, Erie, Frankenmuth, and Travelers also qualify as some of the best Toledo, OH car insurance companies.
As the rates illustrate above, if you are a customer of Travelers and switched to Allied, you might realize annual savings of about $29. Insureds with USAA could save as much as $43 a year, and Cincinnati Insurance policyholders might reduce prices by as much as $73 a year.
To see how much you can save, click here or visit any of the companies below.
Understand that those premiums are averaged for all insureds and vehicles and and are not figured with a specific location for police officers. So the company that is best for you may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.
Finding a high-quality car insurance company can be rather challenging considering how many choices drivers have in Toledo. The company rank data in the lists below may help you choose which coverage providers to look at when comparing rates.
These rankings are for large nationwide companies, so companies without a large exposure are not factored into this list. If you would like to check rates from these top-rated insurers and more, follow this link.
Top 10 Major Auto Insurance Companies Overall in Toledo
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Impact of citations and accidents on Toledo insurance rates
The recommended way to maintain the cheapest insurance premiums in Toledo for law enforcement personnel is to be a careful driver and avoid accidents and keep your driving record clean. The chart below shows how traffic citations and at-fault accidents can drive up premium costs for different categories of driver ages. The prices are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of a car insurance policy in Ohio per year with no accidents or violations is $1,077. Factor in one speeding ticket and the average cost jumps to $1,215, an increase of $138 each year. Then include two accidents along with the one speeding ticket and the annual cost of insurance for police officers goes up to an average of $2,439. That’s an increase of $1,361, or $113 per month, just for not driving safely!
The illustration below demonstrates how deductible levels can influence premium costs when getting quotes for cheap insurance for police officers. The premiums assume a single male driver, comp and collision included, and no discounts are factored in.
A 40-year-old driver could lower their car insurance rates by $252 a year by changing from a $100 deductible up to a $500 deductible, or save $380 by switching to a $1,000 deductible. Even younger drivers, like the age 20 example, have the ability to save as much as $842 or more by selecting a higher deductible.
When using a larger deductible, it’s a good idea to have additional savings on hand to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
How to find economical auto insurance for police officers
The list below summarizes some penny-pinching ideas that can help Ohio drivers locate lower-cost auto insurance.
- Be a cautious driver
- Avoid accidents and claims
- Drivers with good credit ratings often pay less
- Try to remain claim-free
- Buy vehicles with good safety ratings
- Compare rates regularly and switch companies to save money
The last suggestion is extremely valuable, as was stressed in this article. Prices charged by car insurance companies can change significantly in a year, so drivers shouldn’t be reluctant to change to a new company if a cheaper price is available.
Being loyal to a particular company is commendable, but it’s not a great idea if that devotion results in you overpaying a considerable chunk of change every month. Now is a great time to shop around and find cheaper car insurance for police officers in Toledo.
The Toledo car insurance agencies listed below can answer your questions and help you decide which car insurance policy is best, since some people have coverage questions and would like to get some professional advice when shopping around for cheaper insurance for law enforcement personnel. It can be difficult to find the cheapest rates, so getting professional guidance from a licensed agent can give peace of mind knowing your coverage gives you enough coverage when you need it.
To locate an agency closest to you, click the link after the list.
- Farmers Insurance – Nicholas Chupp
2338 W Laskey Rd – Toledo, OH 43613 – (419) 861-3412 - Anderson-Miller Insurance
4149 N Holland Sylvania Rd #3 – Toledo, OH 43623 – (419) 882-1770 - Farmers Insurance – Patrick Hogan
3700 N Holland Sylvania Rd – Toledo, OH 43615 – (419) 517-5579 - Allstate Insurance: William Swade
2114 N Reynolds Rd – Toledo, OH 43615 – (419) 536-9166