10+ years writing insurance and personal finance topics
Former associate finance editor for Investopedia
Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.
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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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 $191. 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 an 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.
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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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$90/mo
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
I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
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
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.
$48/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.
$72/mo
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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
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
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.
$51/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.
$141/mo
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.
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. Here are some more of the cheapest options for liability insurance.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
48
State Farm
49
Hugo
51
Erie
57
Auto-Owners
58
Safeco
58
GEICO
63
USAA
63
Clearcover
66
American Family
71
Midvale Home & Auto
72
Elephant
73
Nationwide
73
Progressive
81
Commonwealth Casualty
87
Liberty Mutual
92
National General
95
The General
96
GAINSCO
101
Dairyland
104
Allstate
109
Direct Auto
110
State Auto
115
CSAA
116
Travelers
118
Farmers
122
Bristol West
165
Foremost
172
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
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.
Below are the most affordable full-coverage policies in Toledo.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
72
State Farm
90
Clearcover
104
Elephant
104
Auto-Owners
105
Erie
105
Safeco
106
GEICO
114
USAA
116
Nationwide
118
Midvale Home & Auto
124
American Family
129
Hugo
141
Progressive
148
Travelers
156
Direct Auto
170
Liberty Mutual
170
GAINSCO
186
National General
191
The General
196
Allstate
198
CSAA
204
Commonwealth Casualty
204
Farmers
220
State Auto
233
Dairyland
266
Bristol West
325
Foremost
338
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.
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.
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Cheapest car insurance for drivers with a speeding ticket
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 $124 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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
107
71
State Farm
116
63
Elephant
137
96
Auto-Owners
141
78
Clearcover
147
93
GEICO
149
82
Erie
150
81
Safeco
151
83
USAA
151
82
Nationwide
155
96
American Family
171
94
Hugo
201
73
Progressive
201
110
Travelers
207
156
Direct Auto
229
148
GAINSCO
237
129
Liberty Mutual
238
129
National General
250
125
Allstate
258
142
Commonwealth Casualty
259
110
The General
264
129
CSAA
276
157
Farmers
287
159
Dairyland
358
140
Bristol West
431
219
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
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 $128 per month for a minimum-coverage policy. 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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
112
75
State Farm
121
66
Elephant
143
101
Auto-Owners
145
80
Erie
154
84
GEICO
156
86
Safeco
158
87
USAA
158
86
Nationwide
162
100
Clearcover
168
106
American Family
177
98
Hugo
192
70
Progressive
210
115
Travelers
215
163
Direct Auto
240
156
Liberty Mutual
249
135
GAINSCO
250
136
National General
265
132
Allstate
270
149
The General
276
135
Commonwealth Casualty
281
120
CSAA
293
167
Farmers
300
166
State Auto
348
172
Dairyland
371
145
Bristol West
443
225
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
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 $145 if you live in Toledo and have a DUI on your record. Here are some of the cheapest insurance options for Toledo drivers with a DUI.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
117
78
State Farm
146
80
Erie
155
84
Clearcover
169
107
Elephant
169
119
Auto-Owners
171
94
Safeco
172
94
GEICO
185
102
USAA
189
102
Nationwide
192
119
American Family
210
115
Hugo
215
78
Progressive
241
132
Travelers
254
192
Direct Auto
276
179
Liberty Mutual
276
150
Commonwealth Casualty
300
128
GAINSCO
302
164
National General
310
154
The General
319
156
Allstate
322
177
CSAA
332
189
Farmers
358
198
State Auto
379
187
Dairyland
432
169
Bristol West
528
268
Foremost
549
280
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
Car insurance rates are generally the most affordable for drivers between the ages of 35 and 75. If you’re a senior in Toledo younger than 75 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 75 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 $55 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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
38
25
State Farm
41
23
Erie
48
26
Auto-Owners
51
28
Nationwide
52
32
Elephant
54
38
GEICO
57
32
Progressive
60
33
American Family
61
34
USAA
61
33
Safeco
65
36
Clearcover
80
50
Travelers
80
60
Direct Auto
86
56
Liberty Mutual
90
49
Allstate
103
57
Farmers
107
60
GAINSCO
113
61
National General
116
58
The General
117
57
Commonwealth Casualty
120
51
Dairyland
149
58
Bristol West
175
89
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
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 $147 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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
136
91
State Farm
152
83
Elephant
170
119
Auto-Owners
173
95
GEICO
177
98
Clearcover
184
117
Safeco
187
102
Erie
189
103
USAA
189
102
Nationwide
199
123
American Family
216
119
Hugo
250
90
Progressive
260
142
Travelers
277
210
Liberty Mutual
284
153
Direct Auto
306
198
The General
308
151
GAINSCO
330
179
CSAA
337
192
Allstate
342
189
Commonwealth Casualty
353
151
National General
359
179
Farmers
378
209
State Auto
411
203
Dairyland
425
166
Bristol West
532
270
Foremost
597
304
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.
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.
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 $191 per month for full-coverage auto insurance compared to the national full-coverage average of $172.
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.
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 $85 per month on average for liability insurance, while full coverage costs $191. 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 Hugo 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 score affect your car insurance in Toledo?
It can. Ohio allows insurers to review your credit score when determining your rates. This is important because research shows that drivers with higher credit scores pay lower rates than drivers with poor credit scores. In Ohio, the average rate for someone with a poor credit score is $109 more per month than for someone with an excellent credit score.
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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
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.