Best Cheap Auto Insurance in Toledo, Ohio (2026)

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 $85 per month on average for liability insurance, while full coverage costs $141. 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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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	$74	$45	Affordability
Mile Auto	8.8	$63	$41	Low-mileage drivers
Hugo	6.3	N/A	$60	On-demand coverage

Disclaimer: Table data sourced from real-time Toledo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Toledo may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

Affordability

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User Reviews	4.0 7,176 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.	$54/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.	$89/mo

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Driver Reviews

4.0

Best choice in Toledo, OHBased on 15,788 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

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

Best in Toledo for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

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

Best in Toledo for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Ohio reviews for Toledo drivers - See all 7,176 State Farm reviews

Wendy

Verified Review

Good

Reviewed in Ohio on March 4, 2026

The price of covering my car has gone up. Other companies are offering a lower rate.

Justin

Verified Review

Gradual insurance price increases force me to change providers

Reviewed in Ohio on March 3, 2026

I switched to Progressive because they offered a quote at a third of the price State Farm was offering me.

Anthony

Verified Review

Takes a while on the phone

Reviewed in Ohio on March 2, 2026

Easy to work with to buy insurance. I have not had any claims, so I don't know yet about that.

Brian

Verified Review

Technical Issues

Reviewed in Ohio on March 1, 2026

My problem with State Farm is that to get a discount, they require a transponder to be installed in the car. The transponder communicates with a cell phone to feed data back to State Farm. The only problem is it doesn’t work, and I’ve spent an hour or two on the phone with my agent trying to get it to work with no luck. I’m retired, so I hardly ever drive the car. We have driven it as much trying to get the transponder to work as I would on a normal basis.

Andi

Verified Review

High Charges and Inflexible Payment Options

Reviewed in Ohio on February 25, 2026

They were charging way too much. They were charging me $1900 for my house every six months, and I have no mortgage. They wouldn't let me pay monthly.

David

Verified Review

I’m looking for full coverage $100-$140 thousand dollar deductible full coverage rental car everything

Reviewed in Ohio on February 13, 2026

The coverage is fantastic, but $207 a month for full coverage is way too much. I’m looking for many different alternatives. I just found one I think for less than $50 for coverage a month.

Matthew

Verified Review

I like Jake, but not State Farm.

Reviewed in Ohio on February 12, 2026

Very disappointing. Policy cost hikes with no explanation. No effort by the agent to review and reduce costs. They collect the premium and forget you exist.

Christopher

Verified Review

What's Going On At State Farm?

Reviewed in Ohio on February 10, 2026

Something is going on with State Farm. They used to be on the ball, but now they are missing things. Our car was totaled, yet they did not refund the remainder of our unused premium. We still had $500 for rental car expenses, yet they made us pay for the last 3 days even though we were still waiting for the settlement check they snail-mailed us.

Jeffrey

Verified Review

Just Okay

Reviewed in Ohio on February 10, 2026

Great service, but very expensive.

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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.

657

NAIC Index

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

0.84

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	4.5 65 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.	8.8 /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.	$49/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.	$75/mo

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Driver Reviews

4.5

Best choice in Toledo, OHBased on 189 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

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

Best in Toledo for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

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

Best in Toledo for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing 3 Ohio reviews for Toledo drivers - See all 65 Mile Auto reviews

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

Cheryl

Verified Purchase

We are so glad we chose MileAuto

Reviewed in Ohio on December 10, 2025

Really meets our needs now that we have retired and drive very little. Good service with nice people. It's easy to do our monthly check-in, and they always send the statement several days before they draft the payment. Recommend them highly.

Monica Jo

Verified Review

Inexpensive, but No Full Coverage

Reviewed in Ohio on June 22, 2025

If you drive a lot, this isn't the insurance for you! They charge per mile.

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.

2.18

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

Compare Quotes

User Reviews	4.5 64 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.	6.3 /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.	$60/mo

Show Details

Driver Reviews

4.5

Best choice in Toledo, OHBased on 192 verified driver reviews and ratings

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

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

Best in Toledo for

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

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

Best in Toledo for

Micropayments

No down payments

Fast coverage

Showing recent national reviews - See all 64 Hugo reviews

Angela

Verified Purchase

Affordable

Reviewed in Texas on February 2, 2026

Love that you can pay it freely by the day, week, or month.

Theola

Verified Purchase

Awesome and Affordable

Reviewed in Illinois on February 1, 2026

Awesome price with coverage.

Peter

Verified Review

Excellent

Reviewed in Alabama on January 31, 2026

Hugo has the best liability insurance and the cheapest.

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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 $49 per month. Here are some more of the cheapest options for liability insurance.

The below rates in Toledo, OH, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Mile Auto	$49
Progressive	$54
State Farm	$54
Auto-Owners	$64
Erie	$64
GEICO	$69
Commonwealth Casualty	$69
Safeco	$70
USAA	$70
The General	$73
American Family	$78
Nationwide	$81
CSAA	$86
Elephant	$92
Direct Auto	$99
Bristol West	$101
GAINSCO	$105
Root	$105
Dairyland	$107
Clearcover	$111
National General	$113
Allstate	$120
Travelers	$130
Farmers	$134
Liberty Mutual	$137
State Auto	$184

Disclaimer: Table data sourced from real-time Toledo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Toledo 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 $75 per month.

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

The below rates in Toledo, OH, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Mile Auto	$75
State Farm	$89
Auto-Owners	$104
Erie	$104
Progressive	$111
Safeco	$113
GEICO	$113
USAA	$114
American Family	$128
Direct Auto	$131
Nationwide	$132
CSAA	$136
Elephant	$138
The General	$147
National General	$167
Root	$175
Commonwealth Casualty	$185
Clearcover	$195
Allstate	$196
Liberty Mutual	$202
Travelers	$212
Farmers	$218
Bristol West	$220
GAINSCO	$228
Dairyland	$252
State Auto	$301

Disclaimer: Table data sourced from real-time Toledo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Toledo 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 $59/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 $110 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 in Toledo, OH, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$93	$61
State Farm	$115	$69
Auto-Owners	$138	$85
Erie	$139	$86
Progressive	$143	$70
USAA	$150	$92
GEICO	$150	$91
Safeco	$151	$94
Direct Auto	$166	$126
Elephant	$168	$112
American Family	$169	$103
Nationwide	$174	$107
CSAA	$175	$111
The General	$199	$99
National General	$211	$143
Commonwealth Casualty	$222	$83
Root	$236	$142
Clearcover	$256	$146
Allstate	$259	$158
Liberty Mutual	$261	$177
GAINSCO	$276	$127
Travelers	$279	$171
Bristol West	$281	$129
Farmers	$283	$174
Dairyland	$318	$135
State Auto	$406	$248

Disclaimer: Table data sourced from real-time Toledo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Toledo 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 $116 per month for a minimum-coverage policy. But, you can find the cheapest coverage from Mile Auto at $67 per month.

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

The below rates in Toledo, OH, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$103	$67
State Farm	$119	$72
Auto-Owners	$139	$86
Erie	$140	$86
GEICO	$149	$91
Progressive	$151	$73
USAA	$155	$95
Safeco	$160	$99
American Family	$174	$106
Nationwide	$180	$110
Direct Auto	$181	$137
Elephant	$183	$122
CSAA	$201	$127
The General	$205	$102
National General	$225	$152
Root	$237	$142
Commonwealth Casualty	$247	$92
Allstate	$266	$163
Liberty Mutual	$273	$185
Clearcover	$288	$164
Travelers	$289	$177
Bristol West	$293	$135
Farmers	$294	$181
GAINSCO	$296	$136
Dairyland	$337	$143
State Auto	$416	$254

Disclaimer: Table data sourced from real-time Toledo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Toledo 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 $114 if you live in Toledo and have a DUI on your record, but you can still find affordable coverage from Mile Auto for $69 per month.

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

The below rates in Toledo, OH, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$105	$69
State Farm	$125	$76
Auto-Owners	$146	$90
Erie	$146	$90
Progressive	$149	$73
GEICO	$158	$97
USAA	$160	$98
Safeco	$170	$105
American Family	$180	$110
Direct Auto	$184	$139
Nationwide	$185	$114
CSAA	$191	$121
Elephant	$194	$129
The General	$207	$103
National General	$235	$159
Root	$249	$149
Commonwealth Casualty	$260	$97
Clearcover	$274	$156
Allstate	$275	$169
Liberty Mutual	$284	$193
Travelers	$298	$183
Farmers	$306	$188
Bristol West	$309	$142
GAINSCO	$320	$148
Dairyland	$354	$150
State Auto	$398	$243

Disclaimer: Table data sourced from real-time Toledo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Toledo 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 $72 per month for liability-only coverage. Below, you can see average monthly quotes from several Toledo insurers.

The below rates in Toledo, OH, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$58	$38
State Farm	$69	$42
Erie	$79	$48
Auto-Owners	$81	$50
GEICO	$89	$54
USAA	$91	$56
Progressive	$94	$46
Safeco	$98	$61
Nationwide	$100	$61
American Family	$101	$62
Direct Auto	$104	$79
CSAA	$108	$68
Elephant	$113	$75
The General	$122	$61
National General	$130	$88
Root	$145	$87
Commonwealth Casualty	$147	$55
Allstate	$157	$96
Liberty Mutual	$167	$113
Travelers	$167	$103
Clearcover	$169	$96
Farmers	$171	$105
Bristol West	$181	$83
GAINSCO	$191	$88
Dairyland	$212	$90
State Auto	$226	$138

Disclaimer: Table data sourced from real-time Toledo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Toledo may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

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 $181 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 in Toledo, OH, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$166	$109
State Farm	$187	$113
Erie	$207	$127
GEICO	$220	$134
Auto-Owners	$225	$139
USAA	$229	$141
Progressive	$236	$115
Safeco	$246	$152
CSAA	$249	$157
American Family	$262	$160
Elephant	$265	$177
Direct Auto	$273	$206
Nationwide	$279	$171
The General	$281	$139
Root	$330	$198
Clearcover	$351	$200
National General	$365	$247
Commonwealth Casualty	$373	$139
Liberty Mutual	$388	$263
Allstate	$419	$256
Bristol West	$427	$196
GAINSCO	$453	$209
Dairyland	$467	$198
Farmers	$468	$288
Travelers	$473	$290
State Auto	$780	$477

Disclaimer: Table data sourced from real-time Toledo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Toledo may vary based on the policy buyer's unique driver profile.

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 $141 per month for full-coverage auto insurance compared to the national full-coverage average of $173.

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	$138	$81
Cleveland	$145	$81
Columbus	$147	$88
Dayton	$125	$71
Hamilton	$124	$76
Springfield	$102	$64

Disclaimer: Table data is based on real-time Toledo quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Toledo car insurance FAQs