Best Cheap Auto Insurance in Toledo, Ohio (2024)
Mile Auto, State Farm, and Auto-Owners are the cheapest insurance companies in Toledo.
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Written byJess Ullrich
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Updated November 20, 2024
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Table of contents
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.
Quick Facts
Bodily injury and property damage liability insurance are required in Toledo.
Ohio allows insurers to review your credit score when assigning rates.
Toledo drivers can keep insurance costs low by maintaining a clean record and shopping around for coverage.
Find Cheap Car Insurance in Toledo, Ohio
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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.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $38 | Affordability |
| Mile Auto | 7.5 | $46 | $35 | Low-mileage drivers |
| Hugo | 7.0 | N/A | $109 | On-demand coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordability: State Farm
| User Reviews | 4.2 |
|---|---|
| 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 |
4.2
Best choiceBased on 9036 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 (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
| User Reviews | 4.2 |
|---|---|
| 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 |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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
| User Reviews | 4.1 |
|---|---|
| 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. | $109/mo |
4.1
Best choiceBased on 121 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 (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $43 |
| State Farm | $47 |
| Auto-Owners | $55 |
| Erie | $55 |
| GEICO | $60 |
| USAA | $61 |
| American Family | $67 |
| Nationwide | $70 |
| Safeco | $72 |
| Progressive | $77 |
| Root | $78 |
| The General | $81 |
| Commonwealth Casualty | $94 |
| CSAA | $99 |
| Dairyland | $100 |
| Clearcover | $102 |
| Allstate | $103 |
| Direct Auto | $104 |
| National General | $112 |
| Travelers | $112 |
| Farmers | $115 |
| Bristol West | $116 |
| GAINSCO | $124 |
| Liberty Mutual | $127 |
| State Auto | $159 |
| Foremost | $175 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $56 |
| State Farm | $82 |
| Auto-Owners | $96 |
| Erie | $96 |
| GEICO | $104 |
| USAA | $105 |
| American Family | $118 |
| Safeco | $118 |
| Nationwide | $121 |
| Progressive | $135 |
| Root | $135 |
| Direct Auto | $162 |
| CSAA | $164 |
| The General | $168 |
| National General | $169 |
| Allstate | $180 |
| Clearcover | $192 |
| Travelers | $195 |
| Farmers | $200 |
| Liberty Mutual | $217 |
| Commonwealth Casualty | $241 |
| GAINSCO | $250 |
| Dairyland | $251 |
| Bristol West | $271 |
| State Auto | $277 |
| Foremost | $391 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Toledo, Ohio
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $32/mo for full coverage in Toledo and other Ohio cities.
*Quotes generated for Insurify users in and around Toledo, Ohio within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. 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 November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 |
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 $134 for a liability-only policy. Here’s a look at some of the cheapest insurers in Toledo for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $75 | $58 |
| State Farm | $108 | $62 |
| Auto-Owners | $129 | $74 |
| Erie | $131 | $75 |
| GEICO | $139 | $80 |
| USAA | $140 | $81 |
| American Family | $158 | $89 |
| Safeco | $159 | $97 |
| Nationwide | $163 | $94 |
| Progressive | $179 | $102 |
| Root | $193 | $111 |
| Direct Auto | $216 | $139 |
| CSAA | $223 | $135 |
| National General | $226 | $150 |
| The General | $228 | $110 |
| Allstate | $240 | $137 |
| Clearcover | $258 | $137 |
| Travelers | $262 | $151 |
| Farmers | $266 | $153 |
| Liberty Mutual | $311 | $182 |
| Dairyland | $334 | $133 |
| Commonwealth Casualty | $345 | $135 |
| GAINSCO | $358 | $178 |
| Bristol West | $364 | $156 |
| State Auto | $397 | $228 |
| Foremost | $560 | $251 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $79 | $60 |
| State Farm | $112 | $64 |
| Auto-Owners | $132 | $76 |
| Erie | $135 | $77 |
| GEICO | $143 | $83 |
| USAA | $144 | $84 |
| Safeco | $161 | $98 |
| American Family | $162 | $92 |
| Nationwide | $168 | $97 |
| Progressive | $187 | $106 |
| Root | $198 | $114 |
| Direct Auto | $227 | $146 |
| National General | $232 | $154 |
| CSAA | $233 | $141 |
| The General | $235 | $113 |
| Allstate | $247 | $141 |
| Travelers | $269 | $155 |
| Farmers | $274 | $157 |
| Clearcover | $283 | $150 |
| Liberty Mutual | $317 | $186 |
| Commonwealth Casualty | $324 | $126 |
| GAINSCO | $329 | $163 |
| Dairyland | $341 | $136 |
| Bristol West | $371 | $159 |
| State Auto | $413 | $237 |
| Foremost | $571 | $256 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $93 | $71 |
| State Farm | $136 | $78 |
| Auto-Owners | $159 | $91 |
| Erie | $159 | $91 |
| GEICO | $173 | $100 |
| USAA | $174 | $101 |
| Safeco | $182 | $111 |
| American Family | $196 | $111 |
| Nationwide | $201 | $116 |
| Root | $201 | $116 |
| Progressive | $224 | $128 |
| CSAA | $245 | $148 |
| Direct Auto | $269 | $173 |
| The General | $279 | $135 |
| National General | $281 | $186 |
| Allstate | $299 | $171 |
| Clearcover | $319 | $169 |
| Travelers | $324 | $186 |
| Farmers | $332 | $191 |
| Liberty Mutual | $360 | $211 |
| Commonwealth Casualty | $400 | $156 |
| GAINSCO | $415 | $206 |
| Dairyland | $417 | $166 |
| Bristol West | $450 | $193 |
| State Auto | $460 | $264 |
| Foremost | $649 | $291 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $39 | $30 |
| State Farm | $59 | $34 |
| Erie | $68 | $39 |
| Auto-Owners | $70 | $40 |
| GEICO | $77 | $44 |
| USAA | $78 | $45 |
| Nationwide | $84 | $48 |
| American Family | $86 | $49 |
| Progressive | $90 | $51 |
| Safeco | $94 | $57 |
| Root | $106 | $61 |
| CSAA | $116 | $70 |
| Direct Auto | $117 | $75 |
| National General | $120 | $79 |
| The General | $127 | $61 |
| Allstate | $134 | $77 |
| Travelers | $142 | $81 |
| Farmers | $145 | $83 |
| Clearcover | $154 | $82 |
| Liberty Mutual | $170 | $99 |
| Commonwealth Casualty | $179 | $70 |
| Dairyland | $186 | $74 |
| State Auto | $191 | $110 |
| GAINSCO | $195 | $97 |
| Bristol West | $202 | $86 |
| Foremost | $290 | $130 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $174 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $115 | $88 |
| State Farm | $150 | $86 |
| Auto-Owners | $171 | $98 |
| Erie | $171 | $98 |
| GEICO | $177 | $102 |
| USAA | $187 | $109 |
| Root | $216 | $125 |
| American Family | $217 | $123 |
| Nationwide | $224 | $130 |
| Safeco | $240 | $146 |
| Progressive | $251 | $143 |
| CSAA | $281 | $170 |
| The General | $285 | $137 |
| Direct Auto | $314 | $201 |
| Allstate | $340 | $195 |
| National General | $351 | $233 |
| Farmers | $371 | $213 |
| Clearcover | $374 | $199 |
| Travelers | $374 | $215 |
| Liberty Mutual | $396 | $232 |
| Dairyland | $431 | $172 |
| Commonwealth Casualty | $442 | $173 |
| GAINSCO | $458 | $227 |
| Bristol West | $486 | $208 |
| State Auto | $522 | $300 |
| Foremost | $737 | $330 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $204.
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.
City ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Cincinnati | $152 | $84 |
| Cleveland | $153 | $84 |
| Columbus | $150 | $90 |
| Dayton | $137 | $76 |
| Hamilton | $132 | $78 |
| Springfield | $116 | $63 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Toledo car insurance FAQs
If you still have questions about how to find the most affordable insurance companies in Toledo, the answers below can help.
How much is car insurance in Toledo?
Drivers in Toledo pay around $91 per month on average for liability insurance, while full coverage costs $159. While this is more than most other Ohio cities, it’s significantly less than many other areas around the country. In fact, Ohio is one of the 10 cheapest states for car insurance.
Who has the cheapest car insurance in Toledo?
Mile Auto, State Farm, and Auto-Owners are the cheapest insurance companies in Toledo. But the cheapest insurer for you will depend on several factors, including your age, ZIP code, type of car you drive, and more.
What are the best car insurance companies in Toledo?
State Farm, Mile Auto, and Hugo rank as three of the top insurers in Ohio. State Farm has a commendable Insurify Quality Score of 4.4 and is the nation’s leading insurer in terms of number of policies written. Meanwhile, Mile Auto and Hugo offer unprecedented control of your coverage by allowing you to only insure your vehicle when you want to or pay your insurance based on miles driven.
What factors affect your car insurance rates in Toledo, Ohio?
Several factors affect your car insurance rates, including your age, marital status, credit score, and more. Where you live, your driving record, and other factors also influence your rates.
Does your credit history affect your car insurance in Toledo?
It can. Ohio allows insurers to review your credit history when determining your rates. This is important because research shows that drivers with better credit history pay lower rates than drivers with poor credit scores. In Ohio, the average rate for someone with a poor credit history is $109 more per month than for someone with an excellent credit history.
How can you get a quote for car insurance in Toledo?
Using a quote-comparison platform is an easy way to secure cheap insurance in Ohio because it allows you to compare quotes from several insurers side by side. If you’d rather get individualized quotes, you can contact local insurers to find them.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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Sources
- Experian. "Is a High Deductible Better Than a Low Deductible."
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Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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