Best Toledo, Ohio Auto Insurance in 2024 (Check Out the Top 10 Companies)
The best Toledo, Ohio auto insurance providers are State Farm, Geico, and Progressive, offering reliable coverage starting at $59/month. State Farm offers reliable claims, making it a top provider. Geico offers competitive premiums to fit various budgets, while Progressive stands out with innovative programs.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Nov 11, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsState Farm, Geico, and Progressive provide the best Toledo, Ohio auto insurance options, offering rates as low as $59 per month. Known for competitive pricing and strong customer satisfaction, these companies cater to diverse needs.
State Farm leads with customizable plans, while Geico offers competitive premiums designed to fit various budgets. Progressive stands out with innovative programs like usage-based insurance and accident forgiveness. Finding cheap auto insurance in Toledo can seem like a difficult task, but all of the information you need is right here.
Our Top 10 Company Picks: Best Toledo, Ohio Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Claims | State Farm |
 | #2 | 18% | A++ | Competitive Premiums | Geico |
 | #3 | 14% | A+ | Innovative Programs | Progressive |
 | #4 | 16% | A+ | Personalized Service | Allstate |
 | #5 | 22% | A++ | Competitive Rates | USAA |
 | #6 | 21% | A+ | Safe-Driving Discounts | Nationwide |
 | #7 | 16% | A | Customizable Policies | Liberty Mutual |
 | #8 | 12% | A+ | Many Discounts | Farmers |
 | #9 | 10% | A++ | Extensive Coverage | Travelers |
 | #10 | 11% | A+ | Customer Satisfaction | Amica |
Comparing these top providers can help you secure quality coverage at the best rates available in Toledo. We’ll cover factors that affect auto insurance rates in Toledo, Ohio, including driving record, credit, commute time, and more.
Before you buy auto insurance in Toledo, Ohio, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free auto insurance quotes in Toledo, Ohio.
- Find the best Toledo, Ohio auto insurance with rates at $59/month
- Get tailored coverage options from top providers to suit diverse driver needs
- State Farm stands out as the best choice with customizable and reliable plans
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#1 – State Farm: Top Overall Pick
Pros
Pros- Comprehensive Coverage Options: Offers a wide range of coverage options, including rental car reimbursement and roadside assistance.
- Vital Customer Service: Highly rated for customer service with a network of local agents for personalized assistance. Read more in our State Farm auto insurance review.
- Discounts Available: Provides various discounts, such as for safe driving and bundling policies, enhancing its appeal as a provider of the best Toledo, Ohio auto insurance.
Cons
- Higher Premiums: Rates can be higher compared to some competitors, especially for drivers with a poor record, which might make it less affordable for the best Toledo, Ohio, auto insurance.
- Limited Online Tools: Compared to other insurers, the online interface for managing policies and claims can be less user-friendly, impacting its effectiveness.
#2 – Geico: Best for Competitive Premiums
Pros
Pros- Competitive Premiums: Known for offering some of the most competitive rates in the industry, it is a leading option for the best Toledo, Ohio auto insurance. Learn more about Geico auto insurance review.
- User-Friendly Website: The website offers excellent online tools and a mobile app for managing your policy and filing claims, enhancing its reputation.
Cons
- Limited Local Agents: Fewer physical locations and agents available for in-person support, which may affect its ranking as the best Toledo, Ohio auto insurance.
- Basic Coverage Options: This provider may not offer some of the more comprehensive coverage options offered by other providers, which might limit your choices for additional coverage needs.
#3 – Progressive: Best for Innovative Programs
Pros
Pros- Innovative Programs: It offers unique programs like Snapshot, which rewards safe driving with potential discounts. These programs can help you lower your premiums based on your driving habits.
- Customizable Policies: These policies allow extensive customization of coverage options to fit individual needs. This flexibility ensures you can tailor your policy to your specific requirements.
- Competitive Rates: Provides competitive rates with various discount opportunities. This balance of affordability and coverage is a strong selling point. Read more on Progressive auto insurance review.
Cons
- Complex Pricing Structure: The pricing and discount structure can be complex and confusing for some customers. This might require extra effort to fully understand potential savings.
- Customer Service Variability: Customer service experience can vary depending on the representative or location. Inconsistent service can affect the overall customer experience.
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#4 – Allstate: Best for Personalized Service
Pros
Pros- Personalized Service: Allstate is known for customized service, with local agents who can tailor policies to your needs. This can result in a more customized insurance experience.
- Comprehensive Coverage: This company offers extensive coverage options, including accident forgiveness and new car replacement. These options provide added peace of mind and protection.
- Strong Financial Stability: High financial strength ratings ensure reliability in paying claims. This stability is crucial for long-term trust in your insurer.
Cons
- Higher Premiums: Allstate’s premiums are generally higher than some competitors’, which can make it less attractive for some drivers. Read more on Allstate auto insurance review.
- Mixed Customer Reviews: Customer service reviews can be mixed, with some customers reporting issues with claims processing. This may impact your overall satisfaction with the service.
#5 – USAA: Best for Competitive Rates
Pros
Pros- Exceptional Rates: Offers some of the lowest rates, especially for military families and veterans. This provides excellent value for eligible members. Learn more on USAA auto insurance review.
- Excellent Customer Service: This company is highly rated for customer service, with a strong focus on the needs of military members. This specialized service often leads to high customer satisfaction.
- Broad Coverage Options: Provides a comprehensive range of coverage options tailored for military families, ensuring that the specific needs of military personnel are met.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families, which limits access for those who do not qualify. This limits access to only those eligible.
- Limited Physical Locations: There are fewer local agents and offices for in-person support. This could be a drawback if you prefer face-to-face assistance.
#6 – Nationwide: Best for Safe-Driving Discounts
Pros
Pros- Safe-Driving Discounts: This program offers significant discounts for safe driving and for installing anti-theft devices, which can lead to substantial savings on premiums.
- Flexible Coverage Options: Provides a wide range of coverage options and policy customization. This flexibility allows you to tailor your insurance to fit specific needs.
- Intense Customer Satisfaction: Generally high customer satisfaction ratings. This indicates a positive overall experience for most policyholders. Read more on Nationwide auto insurance review.
Cons
- Premium Variability: Premiums can vary significantly based on location and personal factors, which might impact your overall cost.
- Complex Claims Process: Some customers find the claims process to be less straightforward. This could lead to potential delays or frustrations in resolving claims.
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#7 – Liberty Mutual: Best for Customizable Policies
Pros
Pros- Customizable Policies: These policies allow extensive customization of coverage to meet specific needs. This ensures that your policy can be tailored to your individual requirements.
- Discounts for Bundling: The company offers substantial discounts for bundling multiple policies, which can result in overall savings if you have more than one insurance need.
- Variety of Coverage Options: This includes options for unique coverage needs, such as new car replacements. This provides additional protection that may be important for some drivers.
Cons
- Higher Rates: Liberty Mutual’s premiums may be higher than those of some other insurers, especially for high-risk drivers. This can make It a more expensive option.
- Inconsistent Service: Customer service experiences can vary based on the agent or office. Learn more about the Liberty Mutual auto insurance review.
#8 – Farmers: Best for Many Discounts
Pros
Pros- Multiple Discounts: Offers numerous discounts, including those for bundling and good driving records. These discounts can significantly lower your insurance costs.
- Wide Coverage Options: Provides a broad range of coverage options and additional endorsements. This ensures you have access to comprehensive protection.
- Local Agents: Extensive network of local agents for personalized service and support. This can be beneficial for receiving tailored advice and assistance. Read more in our Farmers auto insurance review.
Cons
- Higher Premiums: Rates can be higher than those of some competitors, which can impact affordability for some drivers.
- Inconsistent Claims Experience: Some customers report issues with the consistency of the claims process. This could lead to potential difficulties during the claims process.
#9 – Travelers: Best for Extensive Coverage
Pros
Pros- Extensive Coverage: Provides a wide array of coverage options, including specialized coverage for various needs, making it a notable option for the best Toledo, Ohio, auto insurance.
- Discounts for Safe Driving: This program offers discounts for safe driving and other risk-reducing measures. If you maintain a good driving record, this can help you save on premiums.
- Strong Financial Stability: High ratings for financial stability and reliability reinforce its status. Learn more on Travelers auto insurance review.
Cons
- Premiums Can Be Higher: Rates may be higher for certain types of coverage or drivers with less-than-perfect records. This might impact the cost-effectiveness for some.
- Complicated Discounts: The discount structure can be complex and challenging to navigate. Understanding how to maximize your savings may require extra effort.
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#10 – Amica: Best for Customer Satisfaction
Pros
Pros- High Customer Satisfaction: Known for high levels of customer satisfaction and strong customer service. This contributes to a positive overall experience.
- Various Discounts: Provides multiple discount opportunities, including for loyalty and safe driving. These discounts can lead to reduced premiums. Read more on the Amica auto insurance review.
- Competitive Rates: It offers competitive rates and a good balance of coverage options, positioning it as a strong choice for the best Toledo, Ohio, auto insurance.
Cons
- Limited Physical Locations: There are fewer local agents and offices for in-person assistance, which can be inconvenient if you prefer face-to-face support.
- Essential Online Tools: Some competitors’ online tools and apps may not be as advanced. This might impact the convenience of managing your policy online.
Minimum Auto Insurance in Toledo, Ohio
Toledo, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the necessary auto insurance in Toledo, Ohio.
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
|---|---|
| Property Damage Liability Coverage | $25,000 minimum |
Specifically, the required auto insurance coverage includes bodily injury liability of $2,083 per person and $4,166 per accident, property damage liability of $2,083 per accident, and optional uninsured/underinsured motorist coverage.
Toledo, Ohio Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $160 |
 | $61 | $150 |
| $66 | $157 |
| $60 | $145 |
| $68 | $165 |
| $62 | $152 |
| $64 | $155 |
| $62 | $150 |
| $63 | $155 |
| $59 | $140 |
State Farm, USAA, and Geico offer great options for the best monthly auto insurance rates in Toledo, Ohio. While personal injury protection is not mandatory, it is recommended for additional coverage of medical expenses and lost wages.
Adhering to these minimum requirements ensures compliance with Ohio law and provides a basic level of financial protection.
Cheap Toledo, Ohio Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Toledo, Ohio, are affected by age, gender, and marital status. See how demographics impact the monthly cost of insurance.
Toledo, Ohio Monthly Auto Insurance by Age, Gender, and Marital Status
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $243 | $262 | $118 | $124 | $98 | $101 | $90 | $93 |
 | $226 | $245 | $113 | $120 | $94 | $97 | $88 | $90 |
| $235 | $255 | $116 | $122 | $96 | $99 | $89 | $92 |
| $214 | $232 | $105 | $111 | $90 | $93 | $82 | $85 |
| $265 | $285 | $135 | $140 | $115 | $120 | $105 | $110 |
| $232 | $252 | $117 | $123 | $95 | $98 | $89 | $91 |
| $255 | $275 | $125 | $131 | $102 | $105 | $95 | $98 |
| $230 | $248 | $114 | $120 | $93 | $96 | $86 | $89 |
| $248 | $268 | $122 | $128 | $100 | $103 | $91 | $94 |
| $195 | $214 | $98 | $104 | $84 | $87 | $78 | $81 |
Gender also impacts rates, with male drivers generally paying more than female drivers due to higher accident rates. Marital status further affects premiums, with married drivers often enjoying lower rates compared to single drivers, as they are perceived as less risky.
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Cheap Toledo, Ohio Auto Insurance by Driving Record
In Toledo, Ohio, your driving record significantly influences your auto insurance rates. Drivers with a clean driving record typically enjoy lower monthly premiums, averaging between $1,200 and $1,500. You can read it in “How to lower your auto insurance rates?”
In contrast, those with a poor driving record face much higher premiums, often ranging from $1,800 to $2,500 annually.
This difference reflects the higher risk associated with a bad driving history, which can lead to substantial increases in insurance costs and potentially restricted coverage options. Enter your ZIP code to begin comparing.
Cheap Toledo, Ohio Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Toledo, Ohio, is not easy. Compare the monthly rates for DUI auto insurance in Toledo, Ohio to find the best deal.
Toledo, Ohio Monthly Auto Insurance Rates After a DUI
| Insurance Company | One DUI |
|---|---|
| $401 |
| $499 |
| $364 |
| $318 |
| $786 |
| $251 |
| $353 |
| $214 |
| $426 |
| $188 |
As shown above, USAA, Traveler, and State Farm are the companies that offer the lowest monthly auto insurance rates after a DUI. To begin comparing, enter your ZIP code.
The Cheapest Toledo, Ohio Auto Insurance Companies
What auto insurance companies in Toledo, Ohio, are the cheapest? Compare the top auto insurance companies in Toledo, Ohio, to find the best monthly rates.
Toledo, Ohio Monthly Auto Insurance by Insurance Company
| Insurance Company | Rates |
|---|---|
| $101 |
| $97 |
| $99 |
| $93 |
| $120 |
| $98 |
| $105 |
| $96 |
| $103 |
| $87 |
You may consider the leading options for best Toledo, Ohio auto insurance companies which are State Farm, Geico and Progressive with the cheapest monthly auto insurance rates.
These companies not only offer competitive monthly rates but also have strong customer service reputations and various discount opportunities, making them top choices for residents in Toledo seeking the best auto insurance coverage. Enter your ZIP code to begin comparing.
Factors Influencing Auto Insurance Rates in Toledo, Ohio
Best Toledo, Ohio auto insurance rates, can be higher or lower compared to other cities due to several local factors. Traffic patterns, including congestion and frequent accidents, significantly influence premiums. Vehicle theft rates in Toledo also impact insurance costs, as higher theft rates can lead to increased premiums.
Additionally, local weather conditions, such as harsh winters or severe storms, contribute to insurance rates due to the increased risk of weather-related damage.
Demographic factors, local crime rates, and the level of competition among insurance providers in Toledo further affect auto insurance rates. These combined local factors create variations in insurance premiums, making it essential to consider them when evaluating coverage options.
Toledo Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Toledo, Ohio auto theft statistics, there have been 708 auto thefts in the city.
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Compare Toledo, Ohio Auto Insurance Quotes
Before purchasing the best Toledo, Ohio, auto insurance, it’s crucial to compare rates from multiple insurance providers to ensure you are getting the most competitive coverage. Don’t forget to look for car insurance discounts that can help reduce your overall costs.
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You may consider providers like State Farm, Geico, and Progressive, which are the best Toledo, Ohio auto insurance companies and offer excellent coverage at the cheapest rates.
By entering your ZIP code below, you can obtain free quotes that will help you find the best Toledo, Ohio auto insurance options available.
Frequently Asked Questions
Which auto insurance companies offer the best rates for safe drivers in Toledo, OH?
Safe drivers in Toledo, OH can find the best rates with providers offering safe driving discounts, such as State Farm and Geico.
What types of auto insurance coverage are available in Toledo, OH?
Toledo, OH, offers several auto insurance options, including Liability Coverage for damages if you’re at fault.
Personal Injury Protection (PIP) for medical expenses regardless of fault, Uninsured/Underinsured Motorist Coverage for accidents with underinsured drivers, and Collision Coverage for vehicle damage from collisions. Enter your ZIP code now to begin comparing.
How are auto insurance premiums determined in Toledo, OH?
In Toledo, OH, factors that affect auto insurance rates include your driving record, age, and gender. Vehicle type can also impact rates, with luxury or high-performance cars often costing more. Higher coverage limits and lower deductibles increase premiums, and your credit history may also be considered.
Are there any discounts available for auto insurance in Toledo, OH?
In Toledo, OH, insurers offer discounts such as multi-policy savings, safe driving discounts, good student discounts, and discounts for installing anti-theft devices.
What should I do in the event of an auto accident in Toledo, OH?
If you’re in an auto accident in Toledo, OH, ensure everyone’s safety, call the police, exchange information with the other party, document the scene with photos, and notify your insurance provider to start the claims process.
What factors should I consider when choosing auto insurance in Toledo, OH?
Consider factors such as coverage options, premium costs, deductibles, discounts, and the insurer’s reputation for customer service and claims handling. Additionally, consider the type of auto insurance coverage that you may need.
How can I find the best auto insurance rates in Toledo, OH?
Compare quotes from multiple insurers, review coverage options, and consider factors such as your driving record, vehicle type, and available discounts.
How does my driving record impact my auto insurance in Toledo, OH?
A clean driving record can lead to lower premiums, while a history of accidents or traffic violations may result in higher rates.
What are the benefits of having comprehensive auto insurance in Toledo, OH?
Comprehensive insurance covers damage to your vehicle from non-collision events such as theft, vandalism, fire, and natural disasters. This provides added protection beyond what is covered by collision and liability insurance.
You may check the definition of comprehensive auto insurance to understand it better.
What is the role of customer service in choosing the best auto insurance in Toledo, OH?
Customer service is crucial as it affects your experience with claims processing, policy changes, and general support. Look for insurers with a reputation for responsive and helpful customer service to ensure smooth handling of any issues that arise. Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Compare Quotes from Top Companies and Save
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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