Toledo, OH Auto Insurance (2024)
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.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
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.
UPDATED: Jun 23, 2023
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.
On This Page
- 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.
| 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 |
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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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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 |
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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.
| 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.
| 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.
| 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 |
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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.
| 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.
| 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.
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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.
Frequently Asked Questions
What is auto insurance and why is it important in Toledo, OH?
Auto insurance is a type of financial protection that covers damages and liabilities arising from accidents involving vehicles. In Toledo, OH, auto insurance is essential because it is required by law. It helps protect drivers, passengers, and pedestrians by providing coverage for medical expenses, vehicle repairs, and legal liabilities resulting from accidents.
What types of auto insurance coverage are available in Toledo, OH?
Toledo, OH offers various types of auto insurance coverage, including:
- Liability Coverage: This coverage pays for damages and injuries to others if you are at fault in an accident.
- Personal Injury Protection (PIP): PIP coverage pays for medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are involved in an accident with a driver who does not have insurance or has insufficient coverage.
- Collision Coverage: Collision coverage pays for damages to your vehicle caused by a collision, regardless of fault.
How are auto insurance premiums determined in Toledo, OH?
Auto insurance premiums in Toledo, OH are calculated based on several factors, including:
- Driving record: A clean driving record with no accidents or traffic violations can lead to lower premiums.
- Age and gender: Younger drivers typically have higher premiums, while females may have lower premiums due to statistical data.
- Vehicle type: The make, model, and year of your vehicle can impact your premium. Luxury or high-performance cars often have higher rates.
- Coverage limits and deductibles: Higher coverage limits and lower deductibles may result in higher premiums.
- Credit history: Insurers may consider your credit score when determining your premium.
Are there any discounts available for auto insurance in Toledo, OH?
Yes, many insurers offer discounts on auto insurance in Toledo, OH. Common discounts include:
- Multi-policy discount: Bundling your auto insurance with other policies, such as homeowners insurance, can lead to a discount.
- Safe driving discount: If you maintain a clean driving record and avoid accidents, you may be eligible for a safe driving discount.
- Good student discount: Students with good grades often qualify for discounts.
- Anti-theft device discount: Installing anti-theft devices in your vehicle can earn you a discount.
What should I do in the event of an auto accident in Toledo, OH?
If you’re involved in an auto accident in Toledo, OH, take the following steps:
- Ensure everyone’s safety: Check for injuries and move to a safe location, if possible.
- Notify the authorities: Call the police to report the accident.
- Exchange information: Exchange contact and insurance details with the other party involved.
- Document the accident: Take photos of the scene, including vehicle damage and any relevant road conditions.
- Notify your insurance provider: Contact your insurance company to report the accident and initiate the claims process.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.