Compare Toledo, IL Car Insurance Rates (2021)

Car insurance in Toledo, IL averages $240 a month. Toledo, Illinois car insurance requirements are 25/50/20, 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, IL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • Average car insurance rates in Toledo, IL are $2,879/year
  • Average car insurance rates in Toledo, IL after a DUI are $3,354/year
  • The cheapest car insurance company in Toledo is Liberty Mutual

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

You’ll find Toledo car insurance rates, the cheapest Toledo, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Toledo, Illinois car insurance rates to Peoria car insurance rates, Springfield car insurance rates, and Aurora car insurance rates.

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

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

How do age, gender, and marital status affect Toledo, IL car insurance rates? Every Toledo, Illinois 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, Illinois

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 $3,031 $3,046 $3,153 $3,153 $7,734 $10,062 $3,641 $3,934
American Family $2,165 $2,165 $1,978 $1,978 $6,009 $8,367 $2,165 $2,787
Farmers $2,197 $2,198 $1,955 $2,061 $9,089 $9,465 $2,507 $2,631
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,315 $1,420 $1,096 $1,224 $4,140 $4,606 $1,375 $1,455
Nationwide $1,431 $1,458 $1,279 $1,353 $3,820 $4,891 $1,655 $1,789
Progressive $1,829 $1,747 $1,506 $1,576 $6,117 $6,870 $2,175 $2,329
State Farm $1,368 $1,368 $1,208 $1,208 $3,746 $4,760 $1,542 $1,767
Travelers $1,392 $1,471 $1,254 $1,338 $3,781 $4,701 $1,477 $1,557
USAA $1,638 $1,669 $1,524 $1,504 $5,277 $5,820 $2,158 $2,375

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Minimum Car Insurance in Toledo, IL

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

Minimum Required Car Insurance Coverage in Toledo, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Toledo, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Toledo, IL. 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, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,600 $3,120 $2,635
Farmers $4,571 $3,826 $3,641
GEICO $3,690 $1,812 $1,417
Liberty Mutual $2,941 $1,832 $1,463
Nationwide $2,631 $2,129 $1,868
Progressive $3,467 $2,912 $2,677
State Farm $3,084 $1,847 $1,432
Travelers $2,601 $2,071 $1,692
USAA $3,657 $2,511 $2,069

Cheapest Toledo, IL 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, IL to rates for a clean record with top companies.

Annual Toledo, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,422 $5,702 $5,309 $4,444
American Family $2,535 $3,615 $4,782 $2,876
Farmers $3,392 $4,361 $4,252 $4,046
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,739 $2,447 $2,161 $1,969
Nationwide $1,791 $2,302 $2,697 $2,049
Progressive $2,502 $3,649 $2,766 $3,158
State Farm $1,950 $2,292 $2,121 $2,121
Travelers $1,696 $2,205 $2,463 $2,121
USAA $1,958 $2,812 $3,851 $2,361

Cheapest Toledo, IL Car Insurance for Teen Drivers

Teen car insurance in Toledo, IL 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, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,009 $8,367
Farmers $9,089 $9,465
GEICO $4,375 $4,641
Liberty Mutual $4,140 $4,606
Nationwide $3,820 $4,891
Progressive $6,117 $6,870
State Farm $3,746 $4,760
Travelers $3,781 $4,701
USAA $5,277 $5,820

Cheapest Toledo, IL Car Insurance for Seniors

Take a look at Toledo, IL 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, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $1,978 $1,978
Farmers $1,955 $2,061
GEICO $1,364 $1,612
Liberty Mutual $1,096 $1,224
Nationwide $1,279 $1,353
Progressive $1,506 $1,576
State Farm $1,208 $1,208
Travelers $1,254 $1,338
USAA $1,524 $1,504

Cheapest Toledo, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Toledo, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,309
American Family $4,782
Farmers $4,252
GEICO $3,141
Liberty Mutual $2,161
Nationwide $2,697
Progressive $2,766
State Farm $2,121
Travelers $2,463
USAA $3,851

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Cheapest Toledo, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Toledo, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,407 $3,497
Farmers $4,013 $4,013
GEICO $2,263 $2,351
Liberty Mutual $2,079 $2,079
Nationwide $2,210 $2,210
Progressive $3,019 $3,019
State Farm $2,068 $2,173
Travelers $2,039 $2,203
USAA $2,669 $2,823

The Best Cheap Car Insurance Companies in Toledo, IL

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

Average Annual Car Insurance Rates by Company in Toledo, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,452
Farmers $4,013
GEICO $2,307
Liberty Mutual $2,079
Nationwide $2,210
Progressive $3,019
State Farm $2,121
Travelers $2,121
USAA $2,746

Category Winners: Cheapest Car Insurance in Toledo, Illinois

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

Best Annual Car Insurance Rates by Company in Toledo, Illinois

Category Insurance Company
Teenagers Travelers
Seniors Liberty Mutual
Clean Record Travelers
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation Liberty Mutual

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Cheapest Toledo, IL 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, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Toledo, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,343 $3,577 $3,435
Farmers $3,835 $3,928 $4,275
GEICO $2,131 $2,300 $2,489
Liberty Mutual $1,966 $2,074 $2,196
Nationwide $2,212 $2,223 $2,195
Progressive $2,773 $2,999 $3,284
State Farm $2,023 $2,124 $2,216
Travelers $1,993 $2,119 $2,252
USAA $2,561 $2,743 $2,933

What affects car insurance rates in Toledo, Illinois?

What factors can have an impact on Toledo, IL 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, Illinois.

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, IL is 25.0 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, IL traffic data from INRIX ranks Toledo as the 833rd-most congested in the world.

Compare Car Insurance Quotes in Toledo, IL

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

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Average Monthly Car Insurance Rates by State