Toledo Car Insurance

Your Complete Car Insurance Guide for Toledo

Find the right car insurance policy for you.

Toledo, Ohio was founded in 1833 on the west bank of the Maumee River. After a significant economic downturn in the 1980s, the city has recently engaged in significant redevelopment efforts. Toledo maintains a vibrant arts community along with being home to numerous auto assembly businesses, educational institutions, and health care companies. Our Independent Insurance Agents can assess the unique risks you face as a Toledo driver. Our independent agents can help you find the right car insurance to protect you while you navigate the busy Toledo roadways. 

Cost of Car Insurance in Toledo 

Did You know? The average cost of Toledo car insurance is $141 per month. 

 Your Toledo car insurance rates are based on things like the type of car you drive, where you live, and how far you drive to work or school every day. If you are paying more than most, you might have a newer car or put more miles on your car every year. And if you think you are paying too much, it might be time to shop around. With the help of a local independent insurance agent, you can review quotes from multiple insurance companies. An agent can help you get the coverage you need that fits within your budget. 

Toledo car insurance Requirements

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $25,000 required
  • Personal Injury Protection (PIP): Not required

Who Pays If the Accident Wasn’t My Fault? 

The driver who caused the accident, of course. But approximately 13.5%  of Ohio drivers are uninsured. Drivers who fail to purchase auto insurance put everyone in danger. If you are hit by an uninsured driver, you have to pay for all of your own car damage and medical expenses. That’s why it’s so important to purchase “uninsured motorist coverage.” It will pay to fix your vehicle and handle your medical bills when you cannot collect from an uninsured driver. Some states require all drivers to purchase uninsured motorist coverage. You are not required to purchase Ohio uninsured motorist coverage. 

What Affects the Cost of Toledo Car Insurance? 

Car insurance costs are affected by numerous factors. Insurance companies evaluate how risky you are as a driver by considering: 

  • Your age
  • Your gender 
  • Where you live
  •  Your history of accidents and claims 
  • The make, model, and year of your car
  •  The number of cars and drivers in your household 

Some insurance companies even look at your credit rating to determine how likely you are to get into an accident or file a claim. You can’t control your age, gender, or to some extent where you live. The best way to keep your Toledo car insurance costs down is to drive an inconspicuous, moderately priced car and maintain a clean driving record. If you drive a muscle car or a luxury vehicle, expect to pay more.

City Factors That Will Affect Your Rate: 

Commute Time

The more time you spend on the roads, the more likely it is that you'll be in an accident. The average commute time for Toledo drivers is close to the national average. 

  • National average: 25.4 minutes 
  • Toledo average: 20.4 minutes 

Number of Auto Thefts in Toledo

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Toledo: 3.22 

Thefts and break-ins can be big financial burdens when you have to fix broken windows and replace stolen personal property. In Toledo, you have a higher chance of having your car stolen than you do in the U.S. overall. A Toledo car insurance policy can help minimize your worry. With the right coverage, you'll receive timely assistance and compensation so you can get back on the road quickly. No matter where you live, remember to keep your car locked at all times, never leave your car running while unattended, and always park in well-lit areas. Just a few common sense precautions can help secure your car and give you peace of mind. 

Find Affordable Car Insurance in Toledo 

Quality, affordable Toledo car insurance is just a few clicks away. With the help of a local, friendly independent insurance agent, you can review quotes from multiple insurance companies. Our agents will get to know you, and will help you tackle your risks and get the right coverage for your needs and budget. 

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