120+ more*Quotes generated for Insurify users in and around Toledo, Ohio within the last 10 days. Last updated on September 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Toledo, Ohio within the last 10 days. Last updated on September 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Drivers in Toledo pay an average of $75 per month for liability coverage and $133 for full coverage. Both rates are higher than the Ohio average costs of $64 per month for liability coverage and $117 for full coverage.
Toledo rates are generally higher than rates in most cities in Ohio, including Cincinnati. Maple Heights and Columbus are the only cities that have higher rates than Toledo. Toledo’s proximity to Lake Erie and recent increase in auto thefts are a couple of reasons for its higher average rates compared to the overall cost of car insurance in Ohio.[1]
Mile Auto is the cheapest car insurance company in Toledo for liability-only car insurance. The average liability rate in Toledo is $75, higher than the state liability average of $64 per month.
Ohio’s state-minimum car insurance requires all drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, along with $25,000 per accident in property damage liability coverage.[2]
The following table shows the cheapest liability car insurance companies in Toledo.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $40 |
| State Farm | $41 |
| Progressive | $47 |
| Auto-Owners | $48 |
| Erie | $48 |
| Commonwealth Casualty | $53 |
| GEICO | $53 |
| USAA | $53 |
| Safeco | $55 |
| The General | $55 |
| Certainly | $57 |
| American Family | $58 |
| Trexis | $64 |
| Hugo | $65 |
| AssuranceAmerica | $66 |
| Trexis One | $70 |
| First Acceptance | $71 |
| Direct Auto | $75 |
| Elephant | $75 |
| GAINSCO | $75 |
| Clearcover | $80 |
| Bristol West | $81 |
| Dairyland | $85 |
| Root | $87 |
| Allstate | $90 |
| National General | $90 |
| Liberty Mutual | $93 |
| Travelers | $97 |
| Farmers | $101 |
| Insurify Car | $121 |
| State Auto | $139 |
Get a quote and buy a policy in minutes. Pay for one week.
Mile Auto has the cheapest full-coverage car insurance in Toledo. The average full-coverage car insurance rate in Toledo is $133, which is higher than the Ohio full-coverage average of $117.
Drivers in Toledo might want to opt for full coverage, as it includes collision and comprehensive coverage, which can protect against things like accidents from an icy road or auto theft.
The table below shows the cheapest companies for full-coverage car insurance in Toledo.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $63 |
| State Farm | $70 |
| Auto-Owners | $82 |
| Erie | $82 |
| Progressive | $86 |
| GEICO | $89 |
| Safeco | $89 |
| USAA | $90 |
| American Family | $101 |
| Direct Auto | $104 |
| CSAA | $117 |
| Elephant | $119 |
| AssuranceAmerica | $122 |
| Certainly | $127 |
| The General | $128 |
| National General | $129 |
| Commonwealth Casualty | $137 |
| Root | $143 |
| Allstate | $154 |
| Liberty Mutual | $157 |
| Clearcover | $160 |
| Trexis | $160 |
| Travelers | $168 |
| GAINSCO | $171 |
| Farmers | $173 |
| Bristol West | $176 |
| First Acceptance | $190 |
| Dairyland | $194 |
| Trexis One | $194 |
| State Auto | $238 |
Toledo has one of the highest average car insurance rates among major cities in Ohio, trailing only Columbus and Maple Heights. Newark, Mansfield, and Springfield have the cheapest average rates. Toledo’s expensive rates can be partially attributed to its winter weather and recent rise in auto thefts.
While Toledo’s rates are among the highest, you can still find ways to reduce your costs. Check out the table below to see the average car insurance rates in other cities in Ohio.
City | Average Monthly Quote |
|---|---|
| Newark | $74 |
| Mansfield | $76 |
| Springfield | $78 |
| Lancaster | $82 |
| Lorain | $82 |
| Canton | $84 |
| Elyria | $84 |
| Hamilton | $89 |
| Youngstown | $89 |
| Dayton | $91 |
| Akron | $96 |
| Cincinnati | $101 |
| Cleveland | $104 |
| Columbus | $107 |
| Maple Heights | $108 |
*Quotes generated for Insurify users in and around Toledo, Ohio within the last 10 days. Last updated on September 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Toledo, Ohio within the last 10 days. Last updated on September 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
A speeding ticket, at-fault accident, or operating a vehicle under the influence (OVI) conviction will likely raise your car insurance rates in Toledo. Drivers with clean records typically pay the lowest car insurance rates.
Below are the cheapest insurers in Toledo based on different driving records:
Cheapest car insurance for Toledo drivers with a clean driving record: Mile Auto
Cheapest car insurance for drivers with a speeding ticket in Toledo: Mile Auto
Cheapest car insurance for Toledo drivers with an at-fault accident: Mile Auto
Cheapest car insurance for drivers with an OVI in Toledo: Mile Auto
Ohio is an at-fault state, meaning the driver responsible for an accident must pay for the damage and injuries they cause, which makes having a clean record even more valuable. One at-fault accident can result in your insurer having to pay for damages and then increasing your rates.
In Toledo, 5% of drivers have a speeding ticket, 5% have an at-fault accident, and 1% have an OVI, according to Insurify data. Drivers with an OVI have to contend with a suspended license, fees, and an SR-22.[3]
Check out the table below to see average monthly rates in Toledo based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $104 |
| Speeding ticket | $138 |
| At-fault accident | $148 |
| OVI | $151 |
Expert’s insight
“Your driving record has the biggest effect on your insurance rates. It shows how much of a risk you are to insure and how likely it is you’ll submit a claim again. Every insurer weighs infractions differently, so it’s worth comparing quotes from multiple companies to find the most affordable option.”
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Toledo drivers should keep a few things in mind when on the road. During the winter, Toledo can see lake-effect snow squalls, which drastically reduce visibility. It can also make the roads icier and increase stopping distance, so be sure to drive carefully and slowly in this type of weather.
Additionally, the city of Toledo is prone to flooding, as it lies in a swamp. The city sits at the southwestern corner of Lake Erie, and the Maumee River runs right through it, making chronic flooding a serious issue.
Toledo is home to a highway network that funnels a good amount of regional traffic through a few main corridors. Interstate 75 runs right through the city, and I-475 creates a loop that connects to I-75, I-80/I-90, and U.S. Route 23. Ohio is currently considering whether to widen that loop, since the corridor plays a key role in the regional transit system.[4]
This concentration of highways, along with local commuter traffic and road construction, can lead to congestion, longer commute times, and increased chances for accidents. When combined with winter driving conditions, the risk increases even more. Ohio car insurance companies may raise rates to account for this risk.
Liability quotes start at $40/mo.
In Lucas County, teen drivers have been responsible for more than 5,000 crashes since 2025.[5]
Teen drivers pay some of the highest rates for car insurance of any age group — $161 per month for liability coverage and $285 per month for full coverage in Toledo.
Check out the table below to see the cheapest car insurance rates for teen drivers in Toledo.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $85 |
| Mile Auto | $88 |
| Erie | $95 |
| Progressive | $101 |
| Auto-Owners | $104 |
| GEICO | $104 |
| USAA | $105 |
| The General | $108 |
| Commonwealth Casualty | $108 |
| American Family | $118 |
| Safeco | $121 |
| Certainly | $122 |
| Trexis | $137 |
| Hugo | $139 |
| GAINSCO | $143 |
| Clearcover | $143 |
| Root | $145 |
| AssuranceAmerica | $146 |
| Elephant | $148 |
| Trexis One | $150 |
| First Acceptance | $152 |
| Bristol West | $156 |
| Direct Auto | $158 |
| Dairyland | $160 |
| Liberty Mutual | $177 |
| National General | $192 |
| Allstate | $193 |
| Travelers | $215 |
| Farmers | $216 |
| Insurify Car | $259 |
| State Auto | $350 |
Senior drivers pay some of the lowest rates of any age group, with liability policies in Toledo averaging $64.
But in 2024, Ohio drivers aged 65 and older accounted for 24% of all traffic fatalities, even though they accounted for only 19% of the state’s population.[6]
Take a look at the table below to see the cheapest car insurance rates for seniors in Toledo.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $31 |
| State Farm | $32 |
| Erie | $37 |
| Auto-Owners | $38 |
| Progressive | $40 |
| GEICO | $42 |
| Commonwealth Casualty | $43 |
| USAA | $43 |
| American Family | $46 |
| The General | $46 |
| Safeco | $48 |
| Certainly | $49 |
| AssuranceAmerica | $51 |
| Trexis | $55 |
| Hugo | $56 |
| Trexis One | $60 |
| Elephant | $60 |
| First Acceptance | $61 |
| Direct Auto | $61 |
| GAINSCO | $64 |
| Bristol West | $67 |
| Clearcover | $70 |
| National General | $70 |
| Dairyland | $72 |
| Liberty Mutual | $77 |
| Allstate | $77 |
| Travelers | $77 |
| Farmers | $80 |
| Root | $80 |
| Insurify Car | $104 |
| State Auto | $104 |
Check out these answers to some of the most commonly asked questions about Toledo auto insurance.
Car insurance in Toledo, Ohio, costs an average of $75 per month for liability insurance and $133 per month for full-coverage insurance, according to Insurify data.
Mile Auto and State Farm offer the best rates in Toledo. They have the cheapest liability-only coverage car insurance, at $40 and $41 per month, respectively.
Yes. Most insurers in Toledo offer a number of car insurance discounts to drivers. You can get discounts for insuring multiple vehicles, safe driving, and bundling auto insurance with homeowners or renters insurance.
Many factors affect car insurance rates in Toledo, including your age, driving record, credit history, coverage level, and local factors, such as winter weather, flood risk, and auto theft rates.
The minimum liability coverage requirements in Ohio are $25,000 per person and $50,000 per accident in bodily injury liability insurance, and $25,000 per accident in property damage liability coverage.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
