Cheapest Car Insurance Quotes in Toledo

Finding the cheapest car insurance quotes in Toledo shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Toledo Car Insurance

^$ 24

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Toledo

The car insurance rate in Toledo is $862 for a six-month policy, which is $119 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $276, making it a popular choice for budget-conscious drivers. Rates in Toledo can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Toledo

$862

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Toledo

1st place: American Family

At $276 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $441 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $689 for six months, making it the third cheapest auto insurance company in Toledo.

Toledo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Toledo, OH is American Family, offering policies at just $276 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $441.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1322 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Toledo drivers find the best deals.

Cheap Car Insurance Companies in Toledo, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$276	$46
Auto-Owners Insurance Co	$441	$73
Travelers	$689	$117
State Farm	$703	$117
Hastings Mutual	$717	$122
USAA	$724	$122
Erie	$751	$126
Nationwide	$792	$133
Central Mutual	$834	$142
Progressive	$868	$146
Auto-Owners	$937	$159
Farmers	$1020	$171
Westfield	$1199	$204
Cincinnati	$1254	$209
Grange	$1275	$217
Allstate	$1322	$223

Key Takeaways

Way's key takeaways about car insurance in Toledo

The auto insurance costs in Toledo fall around $276 for six months.
The cheapest auto insurance company in Toledo is American Family.
Teen drivers pay the highest rate in Toledo at $820 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Toledo

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Toledo are given below.

American Family provides the cheapest minimum car insurance coverage in Toledo. Their Average 6 Month Premium is $145. Allstate is the most expensive at $523 for the same period.

Cheapest Liability Coverage in Toledo, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$145	$24
Central Mutual	$159	$27
Auto-Owners Insurance Co	$173	$29
USAA	$200	$34
Erie	$213	$36
Westfield	$213	$36
State Farm	$227	$38
Progressive	$262	$44
Auto-Owners	$289	$49
Travelers	$289	$49
Nationwide	$351	$59
Farmers	$386	$64
Grange	$455	$78
Cincinnati	$483	$80
Allstate	$523	$88

Cheapest Full Coverage Car Insurance in Toledo

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Toledo is American Family at $46 per month and $276 for six months.

Cheapest Full Coverage Car Insurance Quotes in Toledo, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$276	$46
Auto-Owners Insurance Co	$441	$73
Travelers	$689	$117
State Farm	$703	$117
Hastings Mutual	$717	$122
USAA	$724	$122
Erie	$751	$126
Nationwide	$792	$133
Central Mutual	$834	$142
Progressive	$868	$146
Auto-Owners	$937	$159
Farmers	$1020	$171
Westfield	$1199	$204
Cincinnati	$1254	$209
Grange	$1275	$217
Allstate	$1322	$223

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Toledo Instantly!

Average Car Insurance in Toledo by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Toledo, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Toledo, Ohio, may be increasing due to several external factors. Ohio has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Toledo's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Toledo

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$659
30s	USAA	$466
40s	USAA	$422
50s	USAA	$391
60s	USAA	$411
70s	USAA	$498

Cheapest Car Insurance Rates for Teen Drivers in Toledo,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Toledo at $26 per month. At $4823 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$152	$26
USAA	$930	$157
Erie	$1068	$180
Travelers	$1247	$210
Westfield	$1392	$234
Progressive	$2006	$338
Nationwide	$2557	$430
Auto-Owners	$2728	$455
Allstate	$2791	$470
State Farm	$2859	$477
Cincinnati	$3624	$616
Grange	$3659	$610
Farmers	$4823	$820

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Toledo.

As young drivers face the highest rates in Toledo, USAA offers the cheapest auto insurance rates at $659 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Toledo, American Family is the cheapest car insurance provider. At $234 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Toledo is AutoOwners, offering rates of around $2618 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$234	$39
Progressive	$862	$145
Nationwide	$992	$167
USAA	$1013	$169
Grange	$1027	$173
Erie	$1047	$176
Westfield	$1226	$206
Cincinnati	$1895	$316
Allstate	$2260	$384
Auto-Owners	$2618	$436

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Toledo.

Car Insurance Rates with An Accident in Toledo

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Toledo, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Toledo

The cheapest car insurance companies after an at-fault accident in Toledo include Central Mutual and American Family, offering $159 and $179, respectively. State Farm is an expensive provider with an average six-month premium of $5292.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$159	$27
American Family	$179	$30
Auto-Owners Insurance Co	$276	$46
Erie	$490	$82
Westfield	$731	$123
Nationwide	$992	$167
Travelers	$1061	$179
USAA	$1434	$241
Auto-Owners	$1488	$251
Grange	$1564	$266
Progressive	$2274	$383
Cincinnati	$2336	$397
Allstate	$2784	$469
State Farm	$5292	$900

Toledo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Toledo OH. For example, the car insurance in Toledo after a DUI increases to $806 for a six month policy. While the rate increases by $179 for a six-month policy in the case of a speeding ticket.

Toledo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$848	$142
One Med/PIP claim	$868	$147
Not-at-fault accident	$882	$147
One comp claim	$902	$153
Two Med/PIP claims	$902	$151
Two comp claims	$944	$160
Failure to show documents	$951	$159
Driving without lights	$972	$165
Failure to wear a seat belt	$972	$162
Child safety restraint	$992	$168
Driving with expired registration	$992	$166
Driving too slowly	$1027	$174
Speeding 11 - 15 MPH over limit	$1027	$172
Speeding 6 - 10 MPH over limit	$1027	$174
Speeding in school zone	$1027	$172
Cell phone violation	$1034	$176
Failure to yield	$1034	$173
Following too closely	$1034	$176
Illegal turn	$1034	$173
Texting while driving	$1034	$176
Wrong way/wrong lane	$1034	$173
Failure to stop at a red light	$1041	$177
Improper passing	$1047	$174
Speeding 16 - 20 MPH over limit	$1047	$179
At-fault accident - less than $1000	$1082	$180
Passing school bus	$1089	$186
Speeding 21 - 25 MPH over limit	$1116	$186
In 65 MPH zone	$1130	$193
At-fault accident - $1000-$2000	$1247	$208
At-fault accident - greater than $2000	$1254	$213
Open container	$1254	$209
Operating a vehicle without permission	$1261	$215
Reckless driving	$1598	$267
Racing	$1626	$276
Refusal to submit to a chemical test	$1626	$271
Driving with a suspended license	$1640	$278
DUI	$1654	$276
Leaving scene of an accident/hit and run	$1702	$289

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Toledo after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Toledo.

The cheapest car insurance premiums in Toledo are offered by American Family at $179 for a six-month policy. However, it can be as expensive as $3066 with companies like Cincinnati.

Toledo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$179	$30
Travelers	$572	$96
Progressive	$689	$116
Erie	$710	$119
USAA	$806	$136
State Farm	$1109	$189
Nationwide	$1268	$213
Farmers	$1378	$234
Auto-Owners	$1771	$295
Allstate	$1812	$305
Grange	$2046	$341
Westfield	$2660	$452
Cincinnati	$3066	$512

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Toledo are offered by American Family at $179. However, it can be as expensive as $1826 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Toledo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$179	$30
Auto-Owners Insurance Co	$179	$30
Erie	$510	$86
Progressive	$710	$119
USAA	$731	$122
Westfield	$820	$138
Nationwide	$827	$139
Auto-Owners	$937	$159
Cincinnati	$1481	$247
Allstate	$1730	$295
Grange	$1826	$304

Car Insurance Price Trends in Toledo, Ohio

Car insurance rates in Toledo have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Toledo rose by $173 in January compared to $138 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Toledo rose to $45 in January, compared to $42 in December. This represents an increase of $3 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Toledo by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Toledo. At $870 for a six-month policy, insuring your car at 43620 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
43620	$870	$146
43610	$870	$146
43611	$904	$152
43605	$930	$156
43606	$930	$156
43617	$879	$147
43607	$913	$153
43608	$896	$150
43623	$913	$153
43612	$939	$158
43613	$948	$159
43614	$948	$159
43604	$879	$147
43615	$973	$163
43609	$922	$155

Frequently Asked Questions

How much is car insurance in Toledo?

The car insurance in Toledo is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Toledo?

The cheapest car insurance in Toledo is $46 per month for full coverage.

How much is car insurance in Toledo for teenagers?

Car insurance for teenagers costs $152 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Toledo?

The average cost of car insurance is $743 for a six-month policy. It will cost around $145 per month to insure your car in Toledo.

Is car insurance expensive in Toledo?

Car insurance can be expensive in Toledo if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Toledo can be affordable.

Cheapest Car Insurance Quotes in Toledo

Why you can trust Way?

How Much Is Car Insurance in Toledo

Avg. Car Insurance in Toledo

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Toledo

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Toledo Car Insurance Rates by Company

Cheap Car Insurance Companies in Toledo, OH

Way's key takeaways about car insurance in Toledo

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Toledo

Cheapest Liability Coverage in Toledo, OH

Cheapest Full Coverage Car Insurance in Toledo

Cheapest Full Coverage Car Insurance Quotes in Toledo, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Toledo by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Toledo, OH increasing?

Car Insurance Premiums by Age in Toledo

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Toledo,OH

If you are in your twenties USAA is the best choice for car insurance in Toledo.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Toledo

Cheapest Car Insurance Companies after an At-Fault Accident in Toledo

Toledo Car Insurance Rates by Violation

Toledo auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Toledo after a DUI

Toledo car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Toledo after Speeding ticket

Car Insurance Price Trends in Toledo, Ohio

Average Car Insurance Cost in Toledo by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Toledo, OH

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources