Who Has the Cheapest Insurance Quotes for a Toyota Tacoma in Ohio?

The chances of finding cheap car insurance for a Toyota Tacoma in Ohio depends on a whole bunch of rating criteria such as the safety rating of your vehicle, if you currently have coverage, and driving violations and tickets. Drivers in Ohio will pay around $720 each year to buy Toyota Tacoma insurance, but that policy rate is a ballpark figure based on rate data for a 40-year-old married male driver that includes both comprehensive and collision coverage and $100 policy deductibles.

There is a high probability that you may not be 40 years old (or even male), you might be single instead of married, and there is a good chance that other rated drivers impact the rate. This example demonstrates why the way we recommend to find cheap car insurance rates for your Toyota is to make a habit of comparing rates at every renewal. It only takes a few minutes and you will be able to see rates from top-rated companies in Ohio.

Compare Toyota Tacoma Insurance Rates

The trim level of your vehicle tends to impact the cost of coverage, so the price you will be charged to insure a Tacoma 2WD model will cost $46 less than the insurance cost for the more well-appointed Tacoma Double Cab TRD Sport Package 4WD version, as shown in the table below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Table data does not factor in specific zip code location which can lower or raise auto insurance rates greatly.

Which auto insurance company is best in Ohio?

Buying coverage from the highest-rated car insurance provider can be challenging considering how many different companies sell coverage in Ohio. The ranking data in the next section could help you select which auto insurers to look at putting your business with. These ratings are for the largest companies in America, so companies that only write business in Ohio or surrounding areas are not taken into consideration for this list.

Top 10 Major Auto Insurers in Ohio Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Erie Insurance – A+
6. The Hartford – A+
7. Progressive – A+
8. Nationwide – A+
9. Allstate – A+
10. Titan Insurance – A+

Top 10 Major Auto Insurers in Ohio Ranked by Customer Satisfaction

1. USAA – 92%
2. 21st Century – 88%
3. Erie Insurance – 88%
4. Nationwide – 88%
5. American Family – 88%
6. State Farm – 88%
7. Progressive – 87%
8. Liberty Mutual – 87%
9. AAA Insurance – 87%
10. The Hartford – 87%

Top Companies for Toyota Tacoma Insurance in Ohio

Tickets and at-fault accidents raise rates

The common sense way to find the cheapest insurance for a Toyota Tacoma in Ohio is to drive safe and maintain a clean driving record. The example below demonstrates how traffic citations and at-fault collisions impact insurance premiums for different age groups. The information is based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

In the prior example, the average cost of auto insurance per year with a clean driving record and no accidents is $1,297. Add in two speeding tickets and the average cost jumps to $1,712, an increase of $415 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Toyota Tacoma jumps again to an average of $2,125. That’s an increase of $827, or $69 per month, just for not driving attentively!

Discount Ohio car insurance

Insurance providers that offer the cheapest insurance for a Toyota Tacoma in Ohio may have special discounts that could lower prices by as much as 35% if you qualify. The best auto insurance companies and some of the discounts include:

• Progressive discounts include multi-vehicle, good student, multi-policy, continuous coverage, online quote discount, and homeowner.
• Farmers Insurance has discounts for teen driver, distant student, business and professional, electronic funds transfer, and early shopping.
• Farm Bureau may include discounts for good student, multi-policy, driver training, multi-vehicle, safe driver, youthful driver, and renewal discount.
• State Farm has savings for accident-free, Steer Clear safe driver discount, defensive driving training, multiple policy, multiple autos, safe vehicle, and passive restraint.
• GEICO may offer discounts for membership and employees, seat belt use, defensive driver, military active duty, multi-policy, and anti-lock brakes.
• SAFECO offers premium reductions for multi-car, anti-lock brakes, teen safety rewards, anti-theft, and bundle discounts.
• Liberty Mutual includes discounts for exclusive group savings, teen driver discount, newly married, new move discount, and new vehicle discount.

The chart below illustrates the difference between car insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple policy, homeowner, marriage, claim-free, safe-driver, and vehicle safety discounts applied. With discounts applied, the the amount saved on auto insurance for a Toyota Tacoma is 27% or $435.