Getting the Best Car Insurance Quotes in Toledo, Ohio

Finding the right car insurance in Toledo, Ohio can seem daunting, but it doesn’t have to be! With some research and shopping around, you can find the perfect policy to fit your needs and budget. This article will walk you through everything you need to know to get the best car insurance quotes in Toledo.

Understanding Car Insurance Requirements in Ohio

Before getting quotes, it’s important to understand Ohio’s minimum insurance requirements. All drivers in Ohio must have:

  • Bodily injury liability coverage: $25,000 per person, $50,000 per accident
  • Property damage liability coverage: $25,000
  • Uninsured/underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident

While these limits meet the state minimums, experts recommend getting more coverage if you can afford it. Ohio is an “at-fault” state, meaning the driver responsible for an accident has to pay damages. With higher limits, you’ll be better protected financially if you cause an accident.

Key Factors That Affect Your Premiums

Insurance companies look at several factors when calculating your premiums. Here are some of the biggest ones:

  • Driving record: Tickets, accidents, DUIs will raise your rates. A clean record saves you money.
  • Location: Living in a high-risk area with more accidents, thefts and claims leads to higher premiums.
  • Vehicle: Insuring a new, expensive or high-performance car costs more.
  • Age: Rates are highest for teens and young drivers under 25. They decrease as you get older.
  • Credit score: Ohio allows insurance companies to use your credit-based insurance score to set rates. Better scores mean lower premiums.
  • Coverage limits: Higher liability limits and adding comprehensive/collision raise costs.
  • Deductible: Choosing a higher deductible reduces your premiums.
  • Discounts: Taking defensive driving courses, bundling policies, etc. can lower your bill.

Getting quotes from multiple insurers is the best way to find the cheapest rates tailored to your specific situation. Rates can vary widely between companies.

Top 7 Tips for Getting the Best Quotes

Follow these tips to make sure you’re getting the lowest car insurance quotes in Toledo:

1. Compare quotes from at least 3-5 companies

Get rate estimates from national carriers like State Farm, Allstate and GEICO as well as local insurers that operate in Ohio. Rates can differ by hundreds of dollars between companies.

2. Adjust coverage limits and deductibles

Raise liability limits and Collision/Comprehensive deductibles to see potential savings. Make sure you have enough coverage for your assets.

3. Ask about discounts

Inquire about discounts for defensive driving, good student, multi-policy, anti-theft devices and more. Some can lower your bill by up to 30%.

4. Maintain good credit

Having excellent credit can save you a lot on car insurance in Ohio. Check your credit reports and keep scores above 760 if possible.

5. Consider usage-based programs

Some insurers offer programs that use telematics or an app to track driving habits and offer discounted rates for safe driving.

6. Drop unnecessary coverage

Removing Comprehensive and Collision for older cars worth less than $1,000 can reduce costs.

7. Bundle insurance policies

Buy home or renters insurance from the same provider as your auto policy to activate multi-policy discounts.

Top 5 Auto Insurers in Toledo

Here are the top car insurance companies in Toledo, OH based on customer satisfaction, rates, coverage and more:

  • State Farm: Local agents and strong customer service. Competitive rates plus policy bundles.
  • Allstate: Wide range of discounts and optional features like accident forgiveness.
  • GEICO: Affordable pricing with easy online quotes and claims. Mobile app available.
  • Progressive: Usage-based programs like Snapshot® track driving for personalized discounts.
  • USAA: Excellent rates and service for military members, veterans and their families.

Reach out to a local Toledo agent or get quotes online to start comparing options. Make sure to get personalized quotes – rates vary based on your specific profile. With some smart shopping, you can lock down the perfect car insurance policy for your needs and budget.

Frequently Asked Questions

How much is car insurance per month on average in Toledo?

Average car insurance costs in Toledo range from $115 to $190 per month based on 2022 data. However, rates vary quite a bit based on your age, driving record, vehicle and other factors.

How can I lower my car insurance rates in Toledo?

Top ways to save on car insurance include bundling policies, raising deductibles, maintaining good credit, taking defensive driving courses, installing anti-theft devices, choosing a safe vehicle with lower insurance rates and asking about any discounts you may qualify for.

What car insurance company has the best rates in Toledo?

The cheapest company will depend on your personal profile. On average, GEICO and Progressive offer very affordable rates in the Toledo area. USAA also has excellent pricing for eligible members. Get quotes from several insurers to find the best value for your situation.

Is 100/300/100 liability enough coverage in Ohio?

Ohio requires a minimum of 25/50/25 liability coverage. While 100/300/100 meets state minimums, most experts recommend getting more like 250/500/100 or higher limits if you have assets to protect. The higher limits will better cover injuries to others and damage you cause in an at-fault accident.

Should I get comprehensive and collision coverage in Toledo?

Comprehensive and collision provide important protection against damage to your own vehicle. It’s recommended if you have a car loan/lease or a newer vehicle. For older cars worth less than $1,000, you may be able to remove the coverage and save on premiums.

Getting the best car insurance quotes takes a bit of work, but following the tips in this guide will ensure you find the right policy at the best price in Toledo. Take the time to shop around and make an informed decision. Good luck!



Who has the cheapest car insurance in Ohio?

Cheapest full coverage car insurance in Ohio: State Farm State Farm is the best cheap auto insurance company in Ohio for full coverage, with an average rate of $70 per month. State Farm is 37% cheaper than the state average and $7 cheaper than the next-cheapest insurer, Erie.

How much is car insurance in Toledo Ohio?

The average cost of a car insurance policy in Toledo is $684 per six-month policy — $114 per month. The cheapest company in Toledo is USAA ($498).

Who gives the lowest car insurance rates?

State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet’s 2024 analysis of minimum coverage rates. State Farm’s average annual rate was $471 or about $39 per month.

Is $500 a lot for car insurance?

Leif Olson, Car Insurance Writer Yes, $500 a month for car insurance is very expensive. The average cost of car insurance ranges from about $60 per month for state-minimum coverage to $166 per month for full coverage, though individual car insurance rates vary based on factors such as driving record, age and location.

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