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Toledo Car Insurance

How much does car insurance cost in Toledo, OH? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Toledo?

Toledo, Ohio lies along the western edge of Lake Erie, is a short drive from major metro areas like Cleveland and Detroit, and is on the railway line between New York City and Chicago.

Rich in history, both the Toledo Museum of Art and the Toledo Botanical Garden are open to the public and are free of charge. Toledo is nicknamed “The Glass City” after a high influx of glass manufacturers flocked to the city in the 1880s which led to the creation of The Toledo Museum of Art. The museum features world-renowned glass exhibits as well as mummy exhibitions. The Toledo Botanical Garden on the other hand, invites you to enjoy its 60+ acre garden that encompasses many different themed gardens, most notably the Susan H. LeCreon Shade Garden and the Pioneer Garden and activities like the Secret Forest Playground and the Toledo Artist’s Club.

The Toledo Zoo & Aquarium is one of the top zoological institutions in the country with attractions featuring exhibits with bald eagles, an aviary, snow leopards and more. Their most famous exhibit is the Hippoquarium that houses 2 hippos and a clear underwater view of their home. Their focus is on conservation and education where visitors can participate in various learning adventures.

Kelleys Island State Park spans 667 acres and is in the heart of Lake Erie. The island is surrounded by a 100-foot public white sand beach, littered with camping sites, picnic facilities, has more than six miles of hiking trails, and opportunities to go on sunset kayaking or scuba-diving tours. And under the proper winter conditions, guests can cross-country ski and ice fish!

Many locals rely on cars as their primary mode of transportation as the only public transportation available in the city is the bus. If you have a car here in Toledo, SmartFinancial can help you determine which auto insurance company can save you the most on insurance.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Ohio has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Toledo typically pay around $104.75 per month compared to the national average of $135.65 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.65
Ohio $90.92
Toledo, Ohio $104.75

Toledo, OH Best Car Insurance Companies

car insurance in Toledo

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Toledo coming in around $64.68 per month. Other companies to consider if you live in Toledo is Erie with an average cost of $79.46 per month and Auto-Owners Insurance Co which typically runs around $84.99 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Toledo.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $64.68-28.86%
2 Erie $79.46-12.61%
3 Auto-Owners Insurance Co $84.99-6.53%
4 Grange Mutual $89.51-1.56%
5 State Farm $91.380.50%
6 American Family $94.033.42%
7 Buckeye Insurance Group $99.078.96%
8 Ohio Mutual Ins Group $102.9113.18%
9 Motorists Mutual $112.9124.18%
10 Westfield $113.6324.97%

How Much is Car Insurance in Toledo, OH?

how much is auto insurance in Toledo

Rates can vary from city to city. The residents of Cincinnati typically pay $113.99 per month while people who live in Cleveland will pay $99.83 per month on average. See what people pay for car insurance in other cities in Ohio.

Ohio CitiesMonthly Average Rate
Cincinnati $113.99
Cleveland $99.83
Columbus $103.72
Dayton $84.52
Toledo $104.75

Cheap Car Insurance in Toledo by Zip Codes

find cheap auto insurance in Toledo

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Ohio. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Toledo, OH ZIP CodeAverage Monthly Rate
43601$130.00
43604$117.77
43605$112.96
43606$122.63
43607$105.45
43608$97.02
43609$117.48
43610$132.35
43611$95.12
43612$101.31
43613$87.51
43614$101.00
43615$104.42
43617$120.01
43620$84.73
43623$82.11

Car Insurance Rates by Driver's Age Group in Toledo

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $210.52 per month in Toledo. Compare that to drivers in their 30’s who typically pay around $93.24 per month drivers in their 40s at $88.91 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$210.52
20s$136.38
30s$93.24
40s$88.91
50s$73.28
60s$70.61
70+$89.66

Cheapest Insurance for Teenage Drivers in Toledo

If you are teen in Toledo you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $118.52 per month. This is likely the most affordable option in Toledo. You might also want to consider Auto-Owners Insurance Co and Erie who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$118.52
Auto-Owners Insurance Co$151.94
Erie$164.00
American Family$170.68
State Farm$177.88

Cheapest Insurance for 20 Year-olds in Toledo

20 year-olds in Toledo might want to consider USAA who, on average, offers car insurance rates around $82.29 per month. Erie, Auto-Owners Insurance Co , American Family and Grange Mutual are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$82.29
Erie$97.62
Auto-Owners Insurance Co$105.55
American Family$111.14
Grange Mutual$111.19

Cheapest Insurance for 30 Year-olds in Toledo

If you are in your 30s in Toledo our research has found that USAA typically has the most affordable coverage coming in around $58.64 per month, followed by Auto-Owners Insurance Co at $66.60 and Erie at $66.68.

CompanyAverage Monthly Rate
USAA$58.64
Auto-Owners Insurance Co$66.60
Erie$66.68
Grange Mutual$69.45
Buckeye Insurance Group$74.03

Cheapest Insurance for 40 Year-olds in Toledo

On average, USAA offers car insurance for 40 year-olds in Toledo for around $51.95 per month. If you are looking for affordable coverage, you may also want to consider Erie or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$51.95
Erie$63.21
Auto-Owners Insurance Co$68.53
Direct Auto$75.31
Grange Mutual$75.49

Cheapest Insurance for 50 Year-olds in Toledo

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Toledo we found that USAA generally offers the most affordable coverage at $52.32 per month.

CompanyAverage Monthly Rate
USAA$52.32
Erie$70.12
Auto-Owners Insurance Co$70.16
Grange Mutual$70.76
Buckeye Insurance Group$74.04

Cheapest Insurance for 60 Year-olds in Toledo

If you live in Toledo and you’re in your 60s, our data indicates that USAA usually has the best rates at $49.18 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$49.18
Erie$65.62
State Farm$69.34
Auto-Owners Insurance Co$69.90
Grange Mutual$70.51

Driver's Coverage Auto Insurance Rates in Toledo, OH

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Toledo, the average monthly rate for a driver who is currently insured is $85.93 while drivers who are not currently covered will pay around $131.17.

CoverageAverage Monthly Rate
Not Currently Insured $131.17
Currently Insured $85.93

Compare Recent Car Insurance Quotes in Toledo

auto insurance quotes in Toledo city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Toledo a driver of a 2014 Hyundai Santa Fe Sport can expect to pay around $97.47 per month while someone that owns a 2016 Chevrolet Cruze may pay around $167.05 per month. Check out the list of recent quotes in Toledo below.

VehicleAverage Monthly Rate
2014 Hyundai Santa Fe Sport$97.47
2016 Chevrolet Cruze$167.05
2016 Jeep Renegade$71.93
2004 Buick Lesabre$64.81
2014 Chrysler 200$86.77
2012 Chrysler Town & Country$66.28
2013 Chevrolet Malibu$70.66
2016 Kia Forte$53.65
2020 Kia Forte$73.54
2014 Hyundai Elantra$66.65

FAQ's for Drivers in Toledo, OH

driver’s frequently asked question in Toledo

What Is the Minimum Liability Coverage Requirement in Toledo, OH?

Every state requires drivers to have a minimum amount of liability coverage. Ohio drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Ohio, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passengers in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

What Is the Blood Alcohol Concentration (BAC) limit in Toledo, OH?

It is illegal for an individual to operate a motor vehicle in Ohio with the following BAC percentages:

.08%+ @ 21 years old or older

.04%+ for commercial vehicle drivers

.01%+ @ < 21 years old

What happens if I don’t have insurance or my coverage lapses?

The Ohio Department of Public Safety states possible risks as vehicle registration and license plates impounded, driver’s license and registration suspension, and your vehicle may be immobilized or forfeited. Liability insurance is a minimum requirement in Ohio (and most others), so be sure to have coverage at all times!

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Commute Time in Toledo, OH

19.9 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Toledo, OH

983

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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