Best Cheap Auto Insurance in Toledo, Ohio (2024)

Mile Auto, Hugo, and State Farm are the cheapest insurance companies in Toledo.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • 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.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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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Updated May 23, 2024

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Cheapest recent rates near Toledo, Ohio

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $42/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 May 23, 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 May 23, 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 May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $199. 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.

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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 CompanyIQ Score
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.
Full CoverageLiability OnlyBest For
State Farm4.6$71$39Affordability
Mile Auto3.7$56$37Low-mileage drivers
Hugo3.5$121$39On-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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for affordability: State Farm

Compare personalized, real-time quotes
IQ Score
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.
4.6
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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
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.
3.7
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.
$45/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.
$71/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.

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

Compare personalized, real-time quotes
IQ Score
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.
3.5
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.
$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.
$158/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.

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

Read our Hugo review
David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

Marlee - May 11, 2024
Verified

Great

I loved the pay options, such as daily, weekly, etc. That was great! However, if I wanted comprehensive or collision coverage, they don't offer it in Indiana.

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 $45 per month. Here are some more of the cheapest options for liability insurance.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto45
Hugo49
State Farm49
Auto-Owners57
Erie57
GEICO62
Safeco62
USAA63
American Family71
Midvale Home & Auto71
Clearcover72
Elephant73
Nationwide73
Progressive81
Commonwealth Casualty92
Liberty Mutual92
The General93
National General96
Dairyland98
Direct Auto107
Allstate108
GAINSCO110
CSAA113
Travelers117
Farmers120
State Auto135
Root140
Bristol West154
Foremost173
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 $71 per month.

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

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto71
State Farm90
Safeco103
Auto-Owners105
Elephant105
Erie105
GEICO115
Clearcover116
USAA116
Midvale Home & Auto125
American Family130
Nationwide134
Progressive149
Hugo158
Liberty Mutual171
National General180
Direct Auto189
Allstate198
The General198
CSAA204
GAINSCO204
Root214
Travelers214
Farmers221
Commonwealth Casualty222
State Auto237
Dairyland264
Bristol West327
Foremost377
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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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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision insurance

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive insurance

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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: 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 $135 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, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto10164
State Farm11864
Safeco13883
Auto-Owners13975
Erie14277
GEICO15282
Elephant153106
USAA15383
Clearcover15596
American Family17194
Midvale Home & Auto17197
Nationwide17997
Progressive197107
Hugo22068
Liberty Mutual249134
Direct Auto252143
Allstate261143
National General262140
The General265124
CSAA277154
Travelers285156
Farmers290158
GAINSCO297160
Root300196
Commonwealth Casualty323134
State Auto340194
Dairyland351130
Bristol West429202
Foremost549252
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: Hugo

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 $138 per month for a minimum-coverage policy. But, you can find the cheapest coverage from Hugo at $65 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto10768
State Farm12367
Safeco13782
Elephant14299
Auto-Owners14478
Erie14780
GEICO15885
USAA15986
Clearcover169105
American Family17897
Midvale Home & Auto181103
Nationwide186101
Progressive208113
Hugo21165
National General246131
Liberty Mutual256138
Direct Auto265150
GAINSCO271146
Allstate272148
The General277130
CSAA293162
Travelers296162
Commonwealth Casualty301125
Farmers302164
Root311204
State Auto358204
Dairyland362135
Bristol West442208
Foremost564259
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 $156 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto10969
State Farm15383
Safeco175105
Auto-Owners17897
Elephant178124
Erie17897
GEICO195105
Clearcover197122
USAA197107
Midvale Home & Auto212120
American Family220120
Nationwide227124
Progressive253137
Hugo26883
Liberty Mutual290156
National General305163
Direct Auto320181
Allstate336183
The General336158
CSAA346192
GAINSCO346187
Root363237
Travelers363198
Farmers375203
Commonwealth Casualty376156
State Auto402229
Dairyland448166
Bristol West554261
Foremost639293
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 $60 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, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto4830
State Farm6234
Erie6938
Auto-Owners7440
Elephant7451
Safeco7445
GEICO8244
USAA8245
Clearcover8351
Midvale Home & Auto8448
Nationwide8948
American Family9049
Progressive9551
Hugo9931
Liberty Mutual12065
Direct Auto12973
National General12969
Allstate14278
CSAA14379
The General14668
GAINSCO14980
Travelers15082
Farmers15383
Commonwealth Casualty15765
Root158103
State Auto16393
Dairyland18970
Bristol West234110
Foremost262120
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 $160 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, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto13686
State Farm15082
Elephant171119
Erie17495
Auto-Owners17897
GEICO17896
USAA190103
Safeco213128
Midvale Home & Auto215122
Clearcover223138
American Family225123
Nationwide226123
Progressive266145
Hugo27284
Liberty Mutual314169
The General316149
Root323211
CSAA330183
National General331177
Direct Auto341193
Allstate342186
GAINSCO360194
Travelers380208
Farmers384209
Commonwealth Casualty389161
State Auto414236
Dairyland437162
Bristol West549259
Foremost659302
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.

Find Car Insurance in Toledo

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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 $199 per month for full-coverage auto insurance compared to the national full-coverage average of $215.

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.

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Cincinnati$183$85
Cleveland$191$88
Columbus$192$89
Dayton$172$76
Hamilton$168$82
Springfield$134$62
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 $199. 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, Hugo, and State Farm 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
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.

Sources

  1. Experian. "Is a High Deductible Better Than a Low Deductible."
Jess Ullrich
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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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