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Cheap Auto Insurance Quotes in Toledo, OH (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Toledo is $155 per month, or $1860 annually.
- Car insurance in Toledo is $16 more than the average cost of car insurance in Ohio.
- The cheapest car insurance provider in Toledo on average is Foremost GroupSelect℠, but you should always compare quotes to find your best personal rate.
Car Insurance in Toledo, OH
The average cost of Ohio car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Toledo, OH to find you the cheapest quotes in the area.
Quotes by Top Companies
Progressive$43
State Farm$91
Liberty Mutual$112
The General$152
Nationwide$165
Cheapest Car Insurance in Toledo, OH
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Toledo | Quotes |
|---|---|
| Progressive | $43 /mo |
| State Farm | $91 /mo |
| Liberty Mutual | $112 /mo |
| The General | $152 /mo |
| Nationwide | $165 /mo |
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Average Car Insurance Cost
| Ohio Cities | |
|---|---|
| Columbus | $100/mo |
| Cleveland | $122/mo |
| Cincinnati | $124/mo |
| Akron | $113/mo |
| Toledo | $113/mo |
| Ohio | $114/mo |
Columbus$100
Akron$113
Toledo$113
Average for OH$114
Cleveland$122
Cincinnati$124
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in OH
Liability insurance comprised of bodily injury liability and property damage liability, is mandatory coverage for all drivers in the state of Ohio.
According to the Bureau of Motor Vehicles (BMV), proof of insurance must be carried in the vehicle and shown at traffic stops, vehicle inspections, and accident scenes. Minimum coverages for car insurance in the state of Ohio are:
- $25,000 for bodily injury liability of one person
- $50,000 for bodily injury liability of two or more people
- $25,000 for property damage liability in an accident
Ohioans are so invested in their residents purchasing liability insurance that its government has any driver applying for a driver’s license sign a document that affirms auto insurance coverage and knowledge of the penalties of driving uninsured.
Find local Toledo agents
Fuller & Sons Insurance Agency
5660 Southwyck Blvd Ste 200A,
Toledo, OH 43614-1566Howard F. Sommers & Son Insurance Agency
4750 N Summit St,
Toledo, OH 43611-2849House of Insurance Agency, Inc.
5801 Telegraph Rd Side,
Toledo, OH 43612-4558Savage-McVicker Insurance Inc.
4427 Talmadge Rd Ste Q,
Toledo, OH 43623-3515Stoner-Johnson Agency
2330 Airport Hwy,
Toledo, OH 43609-1708Wellington F. Roemer Ins. Inc.
3912 Sunforest Ct,
Toledo, OH 43623-4486Skyway Financial Group, LLC/Catholic Order of Foresters
6800 W Central Ave Ste C4,
Toledo, OH 43617-1157American Casualty Insurance Agency, Inc.
6060 Renaissance Pl Ste I,
Toledo, OH 43623-4725Hylant Group
811 Madison Ave,
Toledo, OH 43604Great Lakes Insurance Partners, Inc.
5215 Monroe St Ste 2,
Toledo, OH 43623
FAQs - Toledo, OH Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Toledo Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Toledo, Ohio below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Toledo drivers measure up to their fellow motorists across Ohio in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Chevrolet Impala
Most Popular Car in Toledo
#22
City with the Most Speeding Tickets Rank in Ohio
#28
City with the Most Moving Violations Rank in Ohio
#12
City with the Most DUIs Rank in Ohio
#26
City with the Most Suspended Licenses in Ohio
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Toledo drivers rank 9 in the number of car accidents per driver across all cities in Ohio.
- Rank within state: #9
- Percent of drivers in Toledo with an accident: 14.37%
- Drivers in Toledo, OH with an accident in their driving history pay on average 47.95% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Ohio, Toledo drivers rank 22 in the number of speeding infractions per driver.
- Rank within state: #22
- Percent of drivers in Toledo with a speeding ticket: 14.48%
- Drivers in Toledo, OH with a speeding ticket in their driving history pay on average 40.41% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Toledo drivers rank 12 in the number of DUI’s per driver across all cities in Ohio.
- Rank within state: #12
- Percent of drivers in Toledo with a DUI: 3.34%
- Drivers in Toledo, OH with a DUI in their driving history pay on average 32.19% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Toledo is the Chevrolet Impala.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Ohio, Toledo drivers rank 8 in rude driving infractions.
- Rank within state: #8
- Percent of drivers in Toledo with a reckless driving violation: 3.08%
- Drivers in Toledo, OH with a reckless driving violation in their driving history pay on average 37.67% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Toledo drivers rank 3 in clean driving records across all cities in Ohio.
- Rank within state: #3
- Percent of drivers in Toledo with clean record: 73.41%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Toledo drivers rank 4 in failure to yield violations per driver across all cities in Ohio.
- Rank within state: #4
- Percent of drivers in Toledo with a failure to yield violation: 0.98%
- Drivers in Toledo, OH with a failure to yield violation in their driving history pay on average 1700% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Ohio, Toledo drivers rank 8 in the number of reckless driving offenses per driver.
- Rank within state: #8
- Percent of drivers in Toledo with a reckless driving offense: 0.05%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Toledo drivers rank 15 in hybrid and electric vehicle ownership across all cities in Ohio.
- Rank within state: #15
- Percent of drivers in Toledo with a hybrid/electric vehicle: 0.45%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.