Car Insurance Coverage in Toledo

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Joel Ohman
Founder, CFP®

UPDATED: Oct 1, 2018

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We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Here's what you need to know...

  • Toledo drivers have specific car insurance limits that are required by law
  • The state requires a minimum of bodily injury liability as well as property damage liability
  • Toledo drivers can choose from several nationwide carriers or smaller sized insurance company

In many cases, the minimum amounts of financial responsibility required under the law, may not be sufficient coverage in the event of an automobile accident.

Drivers should have enough coverage to protect themselves if they get into an auto accident, especially if they are found to be at fault.

There are several forms of additional coverage that extend beyond the minimum car insurance amounts.

Toledo drivers can opt to purchase:

  • Comprehensive – covers damage not caused by a collision such as fire, natural disasters, and vandalism
  • Collision – repairs or replaces the cost of the vehicle which has collided with another car or structure
  • Uninsured/Underinsured Motorists – covers injuries and damaged property sustained by the driver as well as any passengers
  • MedPay – pays for the policyholder’s medical bills, as well as any passengers, resulting for injuries caused by a car accident

Toledo drivers need car insurance! Compare car insurance online with our FREE ZIP code search!

Auto Insurance Laws


All drivers are required to have proof of financial responsibility.

Drivers that fail to follow these laws are subject to:

  • 90-day suspension of their driver’s license
  • Impoundment of their vehicle
  • Court fees
  • Removal of all driving privileges for the duration of a suspension

Drivers in Toledo are subject to follow state laws which follow the Tort system.

This means if a driver is determined to be responsible for causing an automobile accident, then they will have to pay for all of the damages.

If they are properly insured, their auto insurance company will pay for the damages caused by the accident.

Auto Insurance Companies


There are hundreds of auto insurance companies in Toledo.

Many drivers opt to purchase car insurance from the larger, more well-known insurance providers since they tend to be more reliable and offer a full range of policy options.

However, it is possible for drivers to receive more personalized care with a smaller insurance provider.

When selecting these types of companies, it is important to fully investigate their operations and standing within the auto insurance industry.

Using the internet is a quick and convenient way to find insurance companies. There are also a number of agents that can be found online.

Of the hundreds of auto insurance companies located in Toledo, here are just a few companies that provide a range coverage plans:

  • Allstate Insurance Group
  • Geico
  • Nationwide
  • State Farm
  • USAA

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Average Auto Insurance Rates

Based on some 2011 findings, Toledo drivers spend an average car insurance premiums of $1,333 per year for auto insurance.

This is well above the average for the entire state of Ohio which is $942 per year.

There are several factors that determine an individual’s car insurance rates:

  • Driving records
  • Location of residence
  • Age
  • Type of car
  • Credit standing

Car Insurance Quotes


There are a number of ways for Toledo residents to obtain auto insurance quotes.

Many people have come to rely on the Internet as a valuable resource for several different purposes.

Searching for online car insurance policies is a fast and effective way to compare rates and locate the best policy that best meets a driver’s protection needs.

No matter what city you live in, Ohio car insurance is a must for all drivers!

Find cheap car insurance rates by entering your ZIP code below and save money today!

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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