Best Cheap Auto Insurance in Toledo, Ohio (2024)

Situated on Lake Erie, Toledo has a lot to offer residents and visitors. Not only is the scenery lovely, but you can also enjoy zoos, art museums, and casinos, or take in a ball game at Fifth Third Field.

Drivers in Toledo pay around $91 per month on average for liability insurance, while full coverage costs $159. Policies in Toledo are slightly higher than what you might see in other Ohio cities, though still fairly affordable compared to national averages. Ohio ranks among the top 10 states for cheapest auto coverage in the U.S.

If you’re planning a move to Toledo and own a car, or you’re already a resident and simply need new coverage, here’s how to find a cheap insurance policy that meets your needs.

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Based on 3,806+ reviews

4.8/5

Best car insurance companies in Toledo

While State Farm offers some of the cheapest coverage overall for Toledo drivers, the right auto insurance company for you depends on your individual needs. Your driving record, credit score, age, and more affect your cost of coverage.

As you begin your search, the three insurers listed below are worth a look.

Best insurer for affordability: State Farm

Affordability

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User Reviews	4.2 5,080 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$47/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$82/mo

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Driver Reviews

4.2

Best choiceBased on 9,243 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm has been in business for more than 100 years. Today, it sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance.

Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts. State Farm also ranks among the top 10 companies for customer satisfaction in every region in J.D. Power’s 2023 U.S. Auto Insurance Study.

Pros

• High J.D. Power customer satisfaction ratings

• Rideshare insurance available

• Numerous discounts

Cons

• No gap coverage available

• Can be expensive for drivers with past violations

• Loyalty discounts aren’t available

Best insurer for low-mileage drivers: Mile Auto

low-mileage drivers

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User Reviews	4.1 32 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.5 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$43/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$56/mo

Show Details

Driver Reviews

4.1

Best choiceBased on 61 verified guest reviews and ratings

Reviews (32)

Ambrosher

December 18, 2024

Verified Purchase

Too Expensive

Too expensive.

Marilyn

December 16, 2024

Verified Purchase

Mile Auto: Jury's Still Out

Please inform me about my monthly charge. Also, avoid using all caps. The photo link needs fixing.

Eva

December 4, 2024

Verified Purchase

Good

Good savings for people who don't drive a lot of miles.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Founded in 2017, Mile Auto is a newer insurance company that offers an innovative approach to coverage. Instead of paying a standard rate for a new policy, customers have pay-per-mile coverage. This means the less you drive, the less you pay.

Despite being a newer company, Mile Auto received an Excellent rating from AM Best for its financial strength and credit.

Pros

• Offers pay-per-mile coverage

• Relatively affordable policies

• Offers you control of your insurance spending

Cons

• May be costly if you drive often

• Available in only 11 states

• Must send photo of your odometer

Best insurer for on-demand coverage: Hugo

on-demand coverage

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User Reviews	4.1 49 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.0 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$108/mo

Show Details

Driver Reviews

4.1

Best choiceBased on 127 verified guest reviews and ratings

How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify

Best For

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify

Best For

Micropayments

No down payments

Fast coverage

Reviews (49)

Natalie

December 5, 2024

Verified Purchase

Great! Affordable Insurance!

Excellent! It fits perfectly into my budget. It gives me peace of mind every time I head out.

Marcus

December 2, 2024

Verified Review

Bad Company

They never sent the state a record that I had insurance.

Sara

November 26, 2024

Verified Review

Poor

The service is poor, but they allow pay-as-you-go.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Launched in 2021, Hugo is the only insurance company offering on-demand car insurance. Drivers can open an account with Hugo without paying a down payment and choose their policy term. Hugo sells policies for three, seven, 14, or 30 days and offers three tiers of coverage: flex, which meets state-minimum liability requirements; basic, which adds medical and accidental death coverage to liability; and full, which adds comprehensive and collision to the basic plan.

Using the Hugo app, drivers can turn coverage on and off so they only pay for the days when they’re actually using coverage.

Pros

• Short-term policies

• No down payment required

• Pay for insurance when you need it

Cons

• No discounts

• Limited options to customize coverage

• Full coverage can be expensive

How to get the cheapest car insurance in Toledo

Auto insurance companies look at many factors when determining your insurance premiums, including your age, driving history, credit score, and more. Some of these factors are outside your control, but you can do several things to get the most affordable coverage possible, including:

• Compare auto insurance. Shopping around for car insurance coverage is essential for finding an affordable policy. Consider using an insurance-comparison site to make the process easier.

• Ask about discounts. Discounts vary based on the insurer, so ask about available discounts as you shop for car insurance.

• Obey the rules of the road. Driving incidents increase your insurance costs, so following the rules of the road is one of the best ways to keep your coverage affordable.

• Choose a higher deductible. In some cases, you could request a higher deductible from your insurance company in exchange for lower monthly premiums.^[1] But if you go down this path, make sure you don’t select a deductible so high you can’t afford to pay it should you need to file a claim.

Cheapest liability-only car insurance in Toledo: Mile Auto

Liability car insurance protects you financially in an accident if you’re at fault and injure another driver or their passengers or cause damage to their vehicle. It can also cover property damage you cause while driving. For instance, if you back into your neighbor’s fence, your liability insurance would likely kick in.

However, liability insurance doesn’t cover damage to your vehicle or your medical expenses. As such, liability coverage is often the most inexpensive on the market.

Mile Auto offers the cheapest liability-only insurance in Toledo for $43 per month. Here are some more of the cheapest options for liability insurance.

Cheapest full-coverage car insurance in Toledo: Mile Auto

Full-coverage car insurance provides additional protection. Full coverage typically includes liability insurance, collision insurance, and comprehensive insurance. Collision insurance covers damage to your car no matter which driver is at fault in an accident, while comprehensive insurance compensates you for damage to your car due to an event outside your control, like theft, burglary, fire, or severe weather.

In Toldeo Mile Auto offers the cheapest full-coverage rates at $56 per month.

Below are the most affordable full-coverage policies in Toledo.

Car insurance requirements in Ohio

Ohio is an at-fault state, or tort, state, meaning that the driver responsible for a motor vehicle accident is required to cover the cost of damages and injuries as a result of that accident. All Ohio drivers are required to carry at least the following minimum car insurance coverage to help protect themselves and others:

If you want more financial protection, you can always add coverage that exceeds the state minimum requirements. To further augment your coverage, you may want to consider:

• 

  Collision insurance

  If your car incurs damage in an accident, collision coverage can pay for repairs.

• 

  Comprehensive insurance

  If an event outside of your control damages your vehicle, comprehensive insurance can compensate you.

• 

  Uninsured/underinsured motorist insurance

  This coverage protects you if you’re in an accident with someone who doesn’t have adequate car insurance coverage.

Cheapest car insurance for drivers with an incident

If you have an incident on your record, such as a speeding ticket, at-fault accident, driving under the influence offense, or other moving violations, you’ll likely pay higher monthly premiums. Your insurance company may view you as a higher risk to insure if your driving record isn’t clean, so your insurance may be more expensive.

In the sections that follow, you’ll see how different incident types affect your car insurance rates.

Shop for Car Insurance in Toledo, OH

Rates for drivers with an incident as low as $54/month

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Past speeding tickets may qualify you as a high-risk driver in the eyes of your insurance company, so following posted speed limits is essential for keeping your insurance rates manageable.

Toledo drivers with a speeding ticket pay a monthly average of $133 for a liability-only policy. Here’s a look at some of the cheapest insurers in Toledo for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

Accidents can happen even if you’re being safe on the road. But if you’re found responsible for an accident, you’ll likely pay higher insurance rates going forward. Insurance companies often view at-fault accidents as red flags in your driving history, and your auto insurance costs can increase if you have one or more at-fault accidents.

If you have an at-fault accident on your record, you might pay $134 per month for a minimum-coverage policy. But, you can find the cheapest coverage from Mile Auto at $60 per month.

Here are some of the cheapest coverage options for Toledo drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: Mile Auto

If you’re convicted of driving under the influence (DUI), your auto insurance company will likely increase your rates as well. Some insurers may deny you coverage altogether because they’ll see you as a high-risk driver.

Monthly liability-insurance rates could climb to $152 if you live in Toledo and have a DUI on your record, but you can still find affordable coverage from Mile Auto for $71 per month.

Here are some of the cheapest insurance options for Toledo drivers with a DUI.

Cheapest car insurance for seniors: Mile Auto

Car insurance rates are generally the most affordable for drivers between the ages of 35 and 70. If you’re a senior in Toledo younger than 70 with a clean record, your insurance rates will likely be quite affordable. But as you age, those rates begin to climb. This is because insurers see seniors older than 70 as a greater risk to insure, due to decreased cognitive abilities and the increased likelihood of severe injury in an accident.

Senior drivers in Toledo pay an average of $65 per month for liability-only coverage. Below, you can see average monthly quotes from several Toledo insurers.

Cheapest car insurance for teens: State Farm

Unfortunately, car insurance for young adults isn’t as affordable as it is for their middle-aged counterparts. In particular, insurance companies view teens as a high risk to insure because they don’t have past driving experience.

But you can take certain steps to help keep your insurance costs low if you’re a teen driver in Toledo. For example, you might opt to stay on your parents’ insurance as opposed to getting your own policy, or you could choose a safe vehicle or an insurer that offers good student discounts.

Teen drivers in Toledo pay $175 per month for liability-only car insurance, on average. Here’s what to expect in terms of insurance costs if you’re a teen driver shopping for coverage in Toledo.

Toledo car insurance quotes by credit tier

Insurance companies are allowed to consider your credit history when determining your monthly premiums in Ohio. Your rates will generally be lower if you have an excellent or good credit history than they would be with a poor credit history.

Here’s how your credit may affect your overall car insurance quotes in Toledo.

Is car insurance more expensive in Toledo?

Car insurance isn’t more expensive in Toledo compared to the rest of the country. Ohio ranks among the top 10 cheapest states for auto insurance. And while drivers in Toledo pay more for car insurance than drivers in other Ohio cities, auto coverage is still affordable compared to the national average.

Drivers in Toledo pay $159 per month for full-coverage auto insurance compared to the national full-coverage average of $202.

More cities in Ohio

If you move from another Ohio city to Toledo, you can expect your insurance costs to go up. Here’s a look at how the average car insurance quote in Toledo compares with other Ohio cities.

Toledo car insurance FAQs