Spinning your wheels trying to get the best auto insurance in Toledo? The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident.
You can drive with confidence in Toledo knowing you’re covered with Lemonade Car.
Insurance requirements and limitations in Toledo are determined by the state of Ohio. But don’t sweat the details. When you apply for Lemonade Car, we’ll automatically get you hooked up with the coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.
Read on to learn about how you can get the best car insurance rates in Toledo, Ohio.
What car insurance coverage is required in Toledo?
The state of Ohio requires all Toledo drivers to have auto insurance coverage.
Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.
For example, Ohio drivers are required to have a minimum of $25,000/$50,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)
To comply with Ohio’s car insurance coverage requirements, Toledo drivers need the following coverages and minimum coverage amounts.
| Required Minimum Coverages for Toledo Drivers | Minimum Amount Required |
|---|---|
| Bodily injury liability coverage | $25,000/50,000 |
| Property damage liability coverage | $25,000 |
Keep in mind: Your levels of bodily injury and property damage liability coverage don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your auto insurance policy on the app.
Additional coverages available to Toledo drivers
Toledo drivers who drive with car insurance can (and arguably should) add the following coverage options to their auto insurance policy to boost their protection behind the wheel.
| What add-on coverages does Lemonade Car offer? | What can it help pay for? |
|---|---|
| Collision coverage | To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on). |
| Comprehensive coverage | To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on). |
| Medical payments coverage (aka MedPay) | Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible. |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | Medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. |
| Uninsured motorist property damage coverage | To repair or replace your own car if you get into a car accident with an uninsured driver. |
| Temporary transportation coverage | Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised. |
| Extended glass coverage | To replace your windshield, your sunroof, or your back glass if it’s damaged. |
Want to dive into the nitty-gritty of what Ohio car insurance has to offer? Get the full scoop here.
How much is Toledo car insurance?
Well, that depends.
Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles.
The way you drive matters, and actually helps determine your price. So when you’re building an insurance quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price for your car insurance policy.
When you buy a car policy, you’ll have the chance, over every six-month term, to prove your safe driving habits and potentially lower your price. Those habits can boost your Safety Score and possibly lower your average cost of car insurance (especially if you maintain a clean driving record).
Here’s a shout-out to our low-mileage drivers—the less you drive, the more you save. Along with lots of other factors, we consider how much you drive (or how little in your case) to come up with your price, making it especially ideal for the low-mileage driver.
The right car insurance combines the coverage you need with a rate and deductibles you can afford. That’s why we offer insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the car insurance cost and how you can lower the cost of your rates.
The most straightforward way to get a sense of how we price car insurance is by applying for coverage via our mobile app or website.
Click below to get your car insurance quote in Toledo.
Best day trips around Toledo
Looking to get away for the day? Buckle up: These quick road trips can satisfy your wanderlust without taking you too far from Toledo.
Toledo Museum of Art
Take a five-minute drive in the heart of Toledo to discover the Toledo Museum of Art, a world-renowned art museum.
Founded in 1901, the museum boasts an expansive collection of over 30,000 works of art, including glass, European and American paintings, and sculptures. Highlights include the contemporary art gallery and the Glass Pavilion, featuring an extensive glass collection and glass blowing demonstrations.
Toledo Botanical Garden
Explore the serene Toledo Botanical Garden, located just a short 15-minute drive from downtown Toledo.
This beautiful garden covers 60 acres and features various themed gardens, including a rose garden, herb garden, and perennial garden. It’s an oasis of tranquility where visitors can enjoy seasonal floral displays, nature trails, and butterfly gardens.
The National Museum of the Great Lakes
Within a seven-minute drive from the center of Toledo, on the banks of the Maumee River, is the National Museum of the Great Lakes.
This museum offers a captivating glimpse into the history of the Great Lakes region. The museum features interactive exhibits, shipwreck artifacts, and the historic ship S.S. Col. James M. Schoonmaker. This well-preserved vessel offers a unique opportunity to experience life aboard a working cargo ship, complete with tours of the engine room, crew quarters, and the pilot house.
Grand Rapids Park
Spend a day at Grand Rapids Park, located approximately 30-miles southwest of Toledo.
This charming park in the historic village of Grand Rapids offers scenic views of the Maumee River, hiking trails, and picnic areas. The park is part of the larger Mary Jane Thurston State Park, providing ample opportunities for fishing, boating, and birdwatching.
Ohio Caverns
Venture to Ohio Caverns, located about an hour’s drive south of Toledo in West Liberty, Ohio.
Known as “America’s Most Colorful Caverns,” this natural wonderland offers guided tours through its stunning underground chambers, filled with crystal formations and stalactites. A major highlight from this tour includes the Crystal King, a massive, pure white crystal stalactite that measures nearly five feet long, making it one of the largest and most impressive formations in the United States.
Other ways of getting around Toledo
While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.
Toledo offers several public transit options to help residents and visitors get around without a car. The Toledo Area Regional Transit Authority (TARTA) operates a network of buses throughout the city. With day passes costing only $3, it’s an affordable and efficient way to travel.
Toledo also supports alternative transportation modes, such as bike shares and electric scooters, which are popular for short trips and leisurely rides along the Maumee River.
Toledo is also a very walkable city with a walking score of 86/100 making it possible for individuals to get around easily on foot or bike. Especially with certain areas like Downtown and the Warehouse District that are easy to explore on foot. These areas have pedestrian-friendly pathways, offering a strollable experience with plenty of dining, shopping, and entertainment options.
We reward low-mileage drivers with lower premiums. Toledo drivers who are behind the wheel fewer than 9,000 miles a year (around 22 miles daily) could be eligible for low-mileage car insurance discounts.
Because of that, we encourage you—whenever possible—to go out and about without your car.
How accessible are hybrid and electric vehicles in Toledo?
As accessibility, efficiency, and upfront costs of hybrid and electric vehicles (EV) improve, the trends of drivers heading towards the future do, too. The market is expected to continue growing exponentially as new makes and models, legislation, and incentives become available.
The city has started various local initiatives aimed to increase awareness and availability of EVs, helping Toledo move toward a more environmentally friendly future. For instance, Drive Electric Toledo hosts events with electric vehicle owners and enthusiasts discussing the benefits of owning an EV.
You can check out where your nearest EV charging stations are here.
We support Toledo drivers who make environment-friendly choices. We offer awesome protection and perks for hybrids and EVs—like coverage for your home charging station or a portable charger. Side note: Our Renters and Homeowners policies can also be customized to include extra coverage for certain types of e-bikes, if that’s how you like to cruise.
Before we drive off into the sunset…
Toledo drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on I-75!
We offer top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy, and coverage starts at just $30/month.
Our excellent coverage and super fast claims resolution don’t stop at Car insurance in Toledo, though. Did you know that we also offer other insurance products such as: homeowners, renters, pet, and life insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your policies through the same app you use for your car insurance.
Let’s drive.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
