Best Cheap Auto Insurance in Toledo, OH (2021)

The average Toledo, OH auto insurance rates are $289 per month. The minimum auto insurance in Toledo is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Toledo, Ohio, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Toledo, OH for senior drivers are $1,771 per year
  • The most expensive auto insurance company in Toledo for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Toledo, Ohio is 25/50/25

Toledo, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Toledo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Toledo, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Toledo to other Ohio cities, including Columbus auto insurance rates, Lorain auto insurance rates, and Akron auto insurance rates to see how Toledo, Ohio auto insurance rates stack up.

Before you buy Toledo, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Toledo, Ohio auto insurance quotes.

Minimum Auto Insurance in Toledo, Ohio

Toledo, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Toledo, Ohio.

Minimum Required Auto Insurance Coverage in Toledo, Ohio

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Toledo, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Toledo, Ohio are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Toledo, Ohio

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,468 $2,454 $2,238 $2,394 $6,945 $7,914 $2,569 $2,730
American Family $1,052 $1,093 $974 $978 $3,450 $3,746 $1,306 $1,378
Farmers $2,257 $2,262 $1,985 $2,103 $10,395 $10,837 $2,524 $2,621
GEICO $1,583 $1,542 $1,497 $1,524 $4,296 $3,988 $1,759 $1,480
Liberty Mutual $2,559 $2,798 $1,959 $2,394 $13,536 $15,298 $2,717 $2,969
Nationwide $2,726 $2,736 $2,459 $2,472 $7,178 $9,242 $2,921 $3,400
Progressive $2,011 $1,890 $1,677 $1,733 $9,014 $10,153 $2,398 $2,482
State Farm $1,926 $1,926 $1,736 $1,736 $6,156 $7,735 $2,239 $2,561
Travelers $1,823 $1,851 $1,819 $1,811 $8,149 $12,968 $1,905 $2,157
USAA $1,016 $1,025 $967 $966 $3,153 $3,511 $1,362 $1,461

Cheap Toledo, Ohio Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Toledo, Ohio is a challenge. Take a look at the annual teen auto insurance rates in Toledo, Ohio.

Annual Auto Insurance Rates for Teen Drivers in Toledo, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,945 $7,914
American Family $3,450 $3,746
Farmers $10,395 $10,837
GEICO $4,296 $3,988
Liberty Mutual $13,536 $15,298
Nationwide $7,178 $9,242
Progressive $9,014 $10,153
State Farm $6,156 $7,735
Travelers $8,149 $12,968
USAA $3,153 $3,511

Cheap Toledo, Ohio Auto Insurance for Seniors

What are senior auto insurance rates in Toledo, Ohio? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Toledo, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,238 $2,394
American Family $974 $978
Farmers $1,985 $2,103
GEICO $1,497 $1,524
Liberty Mutual $1,959 $2,394
Nationwide $2,459 $2,472
Progressive $1,677 $1,733
State Farm $1,736 $1,736
Travelers $1,819 $1,811
USAA $967 $966

Cheap Toledo, Ohio Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Toledo, Ohio compared to the annual auto insurance rates with a clean record in Toledo, Ohio.

Annual Toledo, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,101 $3,782 $4,449 $3,524
American Family $1,672 $1,772 $1,772 $1,772
Farmers $3,610 $4,651 $4,538 $4,693
GEICO $1,493 $2,161 $3,148 $2,033
Liberty Mutual $4,637 $5,968 $6,094 $5,416
Nationwide $3,316 $4,222 $5,361 $3,668
Progressive $3,377 $4,600 $3,601 $4,101
State Farm $2,954 $3,550 $3,252 $3,252
Travelers $2,978 $3,896 $5,901 $3,465
USAA $1,285 $1,727 $2,292 $1,426

Cheap Toledo, Ohio Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Toledo, Ohio is not easy. Compare the annual rates for DUI auto insurance in Toledo, Ohio to find the best deal.

Annual Auto Insurance Rates After a DUI in Toledo, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,449
American Family $1,772
Farmers $4,538
GEICO $3,148
Liberty Mutual $6,094
Nationwide $5,361
Progressive $3,601
State Farm $3,252
Travelers $5,901
USAA $2,292

Cheap Toledo, Ohio Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Toledo, Ohio annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Toledo, Ohio

Insurance Company Poor Fair Good
Allstate $4,788 $3,473 $2,880
American Family $2,323 $1,580 $1,339
Farmers $4,943 $4,188 $3,988
GEICO $2,653 $2,209 $1,764
Liberty Mutual $7,932 $4,854 $3,799
Nationwide $5,010 $4,025 $3,390
Progressive $4,394 $3,806 $3,559
State Farm $4,631 $2,865 $2,260
Travelers $4,536 $3,952 $3,694
USAA $2,182 $1,547 $1,319

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Toledo, Ohio Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Toledo, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in Toledo, Ohio to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Toledo, Ohio

ZIP Code Average Annual Rates
43601 $3,274
43604 $3,364
43605 $3,337
43606 $3,317
43607 $3,302
43608 $3,479
43609 $3,361
43610 $3,452
43611 $3,295
43612 $3,348
43613 $3,310
43614 $3,236
43615 $3,182
43617 $2,986
43620 $3,407
43623 $3,264

Cheap Toledo, Ohio Auto Insurance Rates By Commute

Commute length and annual mileage affect Toledo, Ohio auto insurance. Find the cheapest annual Toledo, Ohio auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Toledo, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,714 $3,714
American Family $1,725 $1,769
Farmers $4,373 $4,373
GEICO $2,169 $2,248
Liberty Mutual $5,529 $5,529
Nationwide $4,142 $4,142
Progressive $3,920 $3,920
State Farm $3,169 $3,335
Travelers $4,060 $4,060
USAA $1,617 $1,748

Cheap Toledo, Ohio Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Toledo, Ohio? Check out the comparison of annual Toledo, Ohio auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Toledo, Ohio

Insurance Company Low Medium High
Allstate $3,546 $3,704 $3,892
American Family $1,706 $1,761 $1,775
Farmers $4,103 $4,289 $4,727
GEICO $2,128 $2,197 $2,301
Liberty Mutual $5,307 $5,559 $5,720
Nationwide $4,539 $4,019 $3,868
Progressive $3,745 $3,882 $4,132
State Farm $3,068 $3,263 $3,424
Travelers $3,927 $4,118 $4,136
USAA $1,598 $1,681 $1,769

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Toledo, Ohio

Compare the cheapest auto insurance companies in Toledo, Ohio in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Toledo, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

The Cheapest Toledo, Ohio Auto Insurance Companies

What auto insurance companies in Toledo, Ohio are the cheapest? Compare the top Toledo, Ohio auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Toledo, Ohio

Insurance Company Average Annual Rates
Allstate $3,714
American Family $1,747
Farmers $4,373
GEICO $2,209
Liberty Mutual $5,529
Nationwide $4,142
Progressive $3,920
State Farm $3,252
Travelers $4,060
USAA $1,683

What affects auto insurance rates in Toledo, Ohio?

There are a lot of reasons why auto insurance rates in Toledo, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Toledo, Ohio. Many local factors may affect your Toledo auto insurance rates.

Toledo Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Toledo, Ohio auto theft statistics, there have been 708 auto thefts in the city.

Toledo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Toledo, Ohio commute length is 20.2 minutes according to City-Data.

Toledo Traffic

How does Toledo, Ohio rank for traffic? According to Inrix Toledo, Ohio is the 833rd most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Toledo, Ohio Auto Insurance Quotes

Before you buy Toledo, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Toledo, Ohio auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption