Best Cheap Auto Insurance in Toledo, IA (2021)

The average Toledo, IA auto insurance rates are $238 per month. The minimum auto insurance in Toledo is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Toledo, Iowa, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

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.

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.

Things to Remember

  • The cheapest auto insurance company in Toledo is USAA
  • The minimum auto insurance required in Toledo, Iowa is 20/40/15
  • Average auto insurance rates in Toledo, IA for senior drivers are $1,594 per year

Toledo, Iowa auto insurance requirements are 20/40/15 according to Iowa auto insurance laws. Finding cheap auto insurance in Toledo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Toledo, Iowa, including driving record, credit, commute time, and more.

Compare auto insurance in Toledo to other Iowa cities, including Des Moines auto insurance rates, Sioux City auto insurance rates, and Waterloo auto insurance rates to see how Toledo, Iowa auto insurance rates stack up.

Before you buy Toledo, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Toledo, Iowa auto insurance quotes.

Minimum Auto Insurance in Toledo, Iowa

Toledo, Iowa auto insurance laws require that you have at least the Iowa minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Toledo, Iowa.

Minimum Required Auto 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Toledo, Iowa Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Toledo, Iowa are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Toledo, Iowa Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Toledo, Iowa is a challenge. Take a look at the annual teen auto insurance rates in Toledo, Iowa.

Annual Auto 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

Cheap Toledo, Iowa Auto Insurance for Seniors

What are senior auto insurance rates in Toledo, Iowa? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Toledo, Iowa Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Toledo, Iowa compared to the annual auto insurance rates with a clean record in Toledo, Iowa.

Annual Toledo, Iowa Auto 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

Cheap Toledo, Iowa Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Toledo, Iowa is not easy. Compare the annual rates for DUI auto insurance in Toledo, Iowa to find the best deal.

Annual Auto Insurance Rates After a DUI in Toledo, Iowa

Insurance Company Annual Auto 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

Cheap Toledo, Iowa Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Toledo, Iowa annual auto insurance rates by credit history compare.

Annual Auto 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Toledo, Iowa Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Toledo, Iowa can vary. Compare the annual cost of auto insurance by ZIP code in Toledo, Iowa to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Toledo, Iowa

ZIP Code Average Annual Rates
52342 $2,411

Cheap Toledo, Iowa Auto Insurance Rates By Commute

Commute length and annual mileage affect Toledo, Iowa auto insurance. Find the cheapest annual Toledo, Iowa auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Toledo, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Toledo, Iowa Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Toledo, Iowa? Check out the comparison of annual Toledo, Iowa auto insurance rates by coverage level.

Annual Auto 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Toledo, Iowa

Compare the cheapest auto insurance companies in Toledo, Iowa in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Toledo, Iowa Auto Insurance Companies

What auto insurance companies in Toledo, Iowa are the cheapest? Compare the top Toledo, Iowa auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Toledo, Iowa?

There are a lot of reasons why auto insurance rates in Toledo, Iowa are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Toledo, Iowa. Many local factors may affect your Toledo auto insurance rates.

Toledo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Toledo, Iowa commute length is 19.1 minutes according to City-Data.

Toledo Traffic

How does Toledo, Iowa rank for traffic? According to Inrix Toledo, Iowa is the 833rd most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Toledo, Iowa Auto Insurance Quotes

Before you buy Toledo, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Toledo, Iowa auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption