Compare Toledo, IA Car Insurance Rates (2021)

Car insurance in Toledo, IA averages $238 a month. Toledo, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Toledo car insurance rates, compare quotes from the top car insurance companies in Toledo, IA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Toledo is USAA
  • Average car insurance rates in Toledo, IA are $2,860/year
  • Average car insurance rates in Toledo, IA after a DUI are $3,439/year

If you need to buy Toledo, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Toledo, IA is right here.

You’ll find Toledo car insurance rates, the cheapest Toledo, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Toledo, Iowa car insurance rates to Iowa City car insurance rates, West Des Moines car insurance rates, and Waterloo car insurance rates.

Ready to find affordable Toledo, IA car insurance today? Enter your ZIP code for fast, free Toledo car insurance quotes.

Cheapest Toledo, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Toledo, IA car insurance rates? Every Toledo, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Toledo, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,946 $1,875 $1,722 $1,754 $5,508 $6,184 $2,130 $2,197
American Family $1,788 $1,788 $1,602 $1,602 $4,805 $6,714 $1,788 $2,151
Farmers $1,421 $1,448 $1,273 $1,389 $4,272 $4,553 $1,923 $2,059
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,081 $2,257 $1,832 $2,225 $10,185 $11,460 $2,358 $2,599
Nationwide $1,699 $1,748 $1,512 $1,619 $3,814 $4,957 $1,912 $2,085
Progressive $1,681 $1,618 $1,385 $1,437 $4,151 $4,686 $2,024 $2,195
State Farm $1,399 $1,399 $1,227 $1,227 $3,753 $4,762 $1,572 $1,790
Travelers $2,320 $2,368 $2,250 $2,257 $10,184 $16,171 $2,415 $2,861
USAA $1,234 $1,249 $1,130 $1,155 $3,311 $3,520 $1,482 $1,637

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Minimum Car Insurance in Toledo, IA

Every driver must carry the minimum car insurance in Toledo, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Toledo, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Toledo, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Toledo, IA. Compare credit history car insurance rates in Toledo from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Toledo, Iowa

Insurance Company Poor Fair Good
Allstate $3,483 $2,770 $2,490
American Family $3,542 $2,605 $2,192
Farmers $2,630 $2,181 $2,066
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,233 $3,856 $3,034
Nationwide $2,944 $2,296 $2,015
Progressive $2,831 $2,288 $2,073
State Farm $3,049 $1,886 $1,488
Travelers $5,741 $4,900 $4,668
USAA $2,421 $1,661 $1,438

Cheapest Toledo, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Toledo, IA to rates for a clean record with top companies.

Annual Toledo, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,488 $3,000 $3,398 $2,773
American Family $2,005 $2,948 $3,809 $2,357
Farmers $1,953 $2,423 $2,458 $2,336
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,778 $4,676 $4,765 $4,279
Nationwide $1,744 $2,515 $3,438 $1,976
Progressive $1,926 $3,161 $2,089 $2,412
State Farm $1,984 $2,298 $2,141 $2,141
Travelers $3,726 $4,962 $6,631 $5,094
USAA $1,407 $1,885 $2,453 $1,615

Cheapest Toledo, IA Car Insurance for Teen Drivers

Teen car insurance in Toledo, IA can be expensive. Take a look at rates from the top car insurance companies in Toledo for teenagers.

Annual Car Insurance Rates for Teen Drivers in Toledo, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,508 $6,184
American Family $4,805 $6,714
Farmers $4,272 $4,553
GEICO $4,328 $4,022
Liberty Mutual $10,185 $11,460
Nationwide $3,814 $4,957
Progressive $4,151 $4,686
State Farm $3,753 $4,762
Travelers $10,184 $16,171
USAA $3,311 $3,520

Cheapest Toledo, IA Car Insurance for Seniors

Take a look at Toledo, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Toledo, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,722 $1,754
American Family $1,602 $1,602
Farmers $1,273 $1,389
GEICO $1,710 $1,564
Liberty Mutual $1,832 $2,225
Nationwide $1,512 $1,619
Progressive $1,385 $1,437
State Farm $1,227 $1,227
Travelers $2,250 $2,257
USAA $1,130 $1,155

Cheapest Toledo, IA Car Insurance Rates After a DUI

A DUI in Toledo, IA increases car insurance rates. Compare Toledo, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Toledo, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,398
American Family $3,809
Farmers $2,458
GEICO $3,206
Liberty Mutual $4,765
Nationwide $3,438
Progressive $2,089
State Farm $2,141
Travelers $6,631
USAA $2,453

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Cheapest Toledo, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Toledo, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Toledo, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,845 $2,984
American Family $2,748 $2,812
Farmers $2,292 $2,292
GEICO $2,294 $2,387
Liberty Mutual $4,374 $4,374
Nationwide $2,418 $2,418
Progressive $2,397 $2,397
State Farm $2,090 $2,192
Travelers $5,103 $5,103
USAA $1,773 $1,907

The Best Cheap Car Insurance Companies in Toledo, IA

Take a look at a side-by-side comparison of the top car insurance companies in Toledo, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Toledo, Iowa

Insurance Company Average Annual Rates
Allstate $2,915
American Family $2,780
Farmers $2,292
GEICO $2,341
Liberty Mutual $4,374
Nationwide $2,418
Progressive $2,397
State Farm $2,141
Travelers $5,103
USAA $1,840

Category Winners: Cheapest Car Insurance in Toledo, Iowa

Find the cheapest car insurance companies in Toledo, IA for each category right here.

Best Annual Car Insurance Rates by Company in Toledo, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Toledo, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Toledo car insurance rates. Find the cheapest Toledo, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Toledo, Iowa

Insurance Company Low Medium High
Allstate $2,821 $2,918 $3,005
American Family $2,787 $2,935 $2,617
Farmers $2,197 $2,300 $2,380
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,199 $4,367 $4,557
Nationwide $2,531 $2,401 $2,323
Progressive $2,268 $2,405 $2,518
State Farm $2,041 $2,153 $2,230
Travelers $4,826 $5,179 $5,305
USAA $1,749 $1,845 $1,925

What affects car insurance rates in Toledo, Iowa?

What factors can have an impact on Toledo, IA car insurance? There are several reasons why Toledo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Toledo, Iowa.

Commute Time in Toledo

The more time you spend in your car the higher the risk of an accident. The average commute length in Toledo, IA is 19.1 minutes according to City-Data.

Traffic in Toledo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Toledo, IA traffic data from INRIX ranks Toledo as the 833rd-most congested in the world.

Compare Car Insurance Quotes in Toledo, IA

Ready to find affordable Toledo, Iowa car insurance today? Enter your ZIP code for fast, free Toledo, IA car insurance quotes.

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