Compare Toledo, OH Car Insurance Rates (2021)

Car insurance in Toledo, OH averages $289 a month. Toledo, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Toledo car insurance rates, compare quotes from the top car insurance companies in Toledo, OH.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Toledo, OH after a DUI are $4,041/year
  • Average car insurance rates in Toledo, OH are $3,463/year
  • The cheapest car insurance company in Toledo for teen drivers is USAA

If you need to buy Toledo, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Toledo, OH is right here.

You’ll find Toledo car insurance rates, the cheapest Toledo, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Toledo, Ohio car insurance rates to Cleveland car insurance rates, Lorain car insurance rates, and Hamilton car insurance rates.

Ready to find affordable Toledo, OH car insurance today? Enter your ZIP code for fast, free Toledo car insurance quotes.

Cheapest Toledo, OH Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Toledo, OH car insurance rates? Every Toledo, Ohio car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Toledo, OH

Every driver must carry the minimum car insurance in Toledo, OH. Take a look at the Ohio car insurance requirements.

Minimum Required Car 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

Cheapest Toledo, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Toledo, OH. Compare credit history car insurance rates in Toledo from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Toledo, OH Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Toledo, OH to rates for a clean record with top companies.

Annual Toledo, Ohio Car 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

Cheapest Toledo, OH Car Insurance for Teen Drivers

Teen car insurance in Toledo, OH can be expensive. Take a look at rates from the top car insurance companies in Toledo for teenagers.

Annual Car 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

Cheapest Toledo, OH Car Insurance for Seniors

Take a look at Toledo, OH senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Toledo, OH Car Insurance Rates After a DUI

A DUI in Toledo, OH increases car insurance rates. Compare Toledo, Ohio DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Toledo, Ohio

Insurance Company Annual Car 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

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Cheapest Toledo, OH Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Toledo, OH by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Toledo, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Toledo, OH Car Insurance Rates by ZIP Code

Toledo car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Toledo, OH.

Annual Car 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

The Best Cheap Car Insurance Companies in Toledo, OH

Take a look at a side-by-side comparison of the top car insurance companies in Toledo, OH to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Toledo, Ohio

Find the cheapest car insurance companies in Toledo, OH for each category right here.

Best Annual Car 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

Cheapest Toledo, OH Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Toledo car insurance rates. Find the cheapest Toledo, OH car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Toledo, Ohio?

What factors can have an impact on Toledo, OH car insurance? There are several reasons why Toledo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Toledo, Ohio.

Car Theft in Toledo

High levels of vehicle theft can make car insurance more expensive. Toledo, OH car theft statistics from the FBI indicate 708 vehicle thefts a year.

Commute Time in Toledo

The more time you spend in your car the higher the risk of an accident. The average commute length in Toledo, OH is 20.2 minutes according to City-Data.

Traffic in Toledo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Toledo, OH traffic data from INRIX ranks Toledo as the 833rd-most congested in the world.

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Compare Car Insurance Quotes in Toledo, OH

Ready to find affordable Toledo, Ohio car insurance today? Enter your ZIP code for fast, free Toledo, OH car insurance quotes.

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