Buy Cheap Toledo, OH Auto Insurance (2021)

Toledo, OH auto insurance rates average $289 a month. Minimum auto insurance requirements in Toledo, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Toledo, OH, compare Toledo auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Toledo, OH after a DUI are $4,041/year
  • Average auto insurance rates in Toledo, OH are $289/month
  • The most expensive auto insurance company in Toledo after a DUI is Liberty Mutual

Finding affordable Toledo, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Toledo, OH auto insurance with confidence is right here. Auto insurance rates in Toledo are affected by local factors as well as personal ones like your driving record.

See how Toledo, OH car insurance rates compare to Akron auto insurance rates, Canton auto insurance rates, and Cleveland auto insurance rates before you read more about the cost of auto insurance in Toledo.

Don’t buy Toledo, OH auto insurance until you’ve compared rates. Get free Toledo, Ohio auto insurance quotes when you enter your ZIP code above.

Toledo, OH Minimum Auto Insurance Requirements

The required auto insurance in Toledo, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Toledo, Ohio is outlined here.

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

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Find Cheap Toledo, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Toledo, OH. Take a look at Toledo, Ohio auto insurance rates by credit history.

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

Buy Cheap Toledo, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Toledo, Ohio auto insurance rates? Find out how car insurance rates in Toledo, OH are impacted by demographics.

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

Buy Cheap Toledo, OH Auto Insurance for Teen Drivers

Auto insurance for teenagers in Toledo can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Toledo, OH are listed here.

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

Buy Cheap Toledo, OH Auto Insurance for Seniors

You can save on senior auto insurance rates in Toledo, Ohio by comparing Toledo senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Toledo, OH here.

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

Find Cheap Auto Insurance Rates in Toledo, OH by Coverage Level

The amount of coverage you choose is a big factor in the cost of Toledo, Ohio auto insurance. Compare Toledo, OH 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

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Find Cheap Toledo, OH Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Toledo. Compare auto insurance rates in Toledo, OH by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Toledo, OH Auto Insurance Rates by ZIP Code

Auto insurance rates in Toledo, Ohio can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Toledo, OH to see how much where you live in Toledo affects the cost of car insurance.

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

Find Cheap Toledo, OH Auto Insurance Rates by Driving Record

Auto insurance rates in Toledo, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Toledo, OH, take a look at the average cost for various violations versus rates for a clean driving record in Toledo.

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

Find Cheap Toledo, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Toledo, Ohio is higher than for a clean driving record. You can buy auto insurance after a DUI in Toledo for less when you shop around and compare rates from multiple Toledo, OH auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Toledo, OH

Compare rates from the cheapest auto insurance companies in Toledo, OH for your needs. Take a look at how Toledo, Ohio auto insurance companies stack up for each category.

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

Find Cheap Toledo, Ohio Auto Insurance Companies

If you’re looking for the cheapest Toledo, OH auto insurance companies overall, you can compare them here. Find the best price for Toledo, Ohio car insurance by company.

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 Toledo, Ohio auto insurance rates?

Local factors affect auto insurance rates in Toledo, OH, including traffic, theft statistics, and commute length. Take a look at the things that impact Toledo auto insurance rates.

Auto Theft in Toledo

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Toledo, OH auto theft show a total of 708 vehicle thefts annually.

Commute Times in Toledo

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Toledo, OH is 20.2 minutes according to City-Data.

Traffic in Toledo

How is traffic in Toledo, Ohio? Inrix data shows that Toledo, OH traffic makes it the 833rd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Toledo, OH

You can buy cheap Toledo, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Toledo, Ohio auto insurance quotes from top companies.

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