Car Insurance in Toledo, OH
- American Family offers the cheapest car insurance in Toledo at $97/mo.
- Compare and save on auto insurance in or near Toledo, OH with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Toledo at the right price.
About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
How much does car insurance cost in Toledo?
Car insurance in Toledo averages $848 ($141 per month). This is slightly higher than the average premium in Ohio ($732), but lower than the national average ($1,084).
American Family is the cheapest option for most drivers looking to save, with full coverage rates around $97 per month.
Car insurance quotes in Ohio
Ohio drivers in and near Toledo saved money on car insurance recently using The Zebra:
Drivers in Oak Harbor, OH are getting smart deals on Chrysler 200 coverage from Travelers Insurance.
Drivers in Bellevue, OH are getting smart deals on Toyota Tacoma coverage from Dairyland Insurance.
Drivers in Reynoldsburg, OH are getting smart deals on Lexus ES 330 coverage from Liberty Mutual.
Drivers in Portsmouth, OH are getting smart deals on Buick Enclave coverage from Bristol West.
Our licensed agents guided a driver in Mount Vernon, OH find this smart deal on their Volkswagen Rabbit with Clearcover.
Drivers in Kent, OH are getting smart deals on Hyundai ELANTRA coverage from National General.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheap liability and full coverage auto insurance in Toledo
In 2026, American Family offers the cheapest car insurance in Toledo at $97 per month. USAA is also a good option for military members and their immediate families.
Full coverage generally includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability will only pay for damage you cause to others. About 40% of Toledo drivers carry the basic required coverage, which is enough to stay legal, but not typically enough to protect your finances after an accident.
You can also add options like roadside assistance or uninsured motorist coverage. They add a small cost but can save you from pricey out-of-pocket bills later, which The Zebra’s experts say makes them worth considering.
Source: The Zebra
When it comes to comprehensive and collision coverage, it’s more about where you set your deductible than how much coverage you need. Your deductible determines how much you’ll pay out of pocket if you file a claim. So, when choosing insurance, it’s essential to assess your financial situation and ask yourself, Do I have enough savings to cover a $1,000 deductible if needed?"
- Johnny Hawkins, Licensed Agent and Manager at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Toledo.
Are you paying too much for auto insurance?
Agency Hours in Toledo, OH
Our friendly licensed agents help Toledo, OH drivers compare car insurance by phone or online—no office visit required!
- Monday - Friday: 8:00 AM - 12:00AM EST
- Saturday - Sunday: 10:00AM - 9:00PM EST
Car insurance rates after an accident in Toledo
In Toledo an at-fault accident can raise your car insurance by $459 for a 6-month policy. Travelers offers the cheapest average rates after an accident.
The best way to avoid steep increases is to drive safely and avoid tickets or citations when possible. Premiums usually go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Updating data...
Source: The Zebra
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| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $936 | $0 |
| One comp claim | $993 | $57 |
| Speeding 16 - 20 MPH over limit | $1,144 | $208 |
| At-Fault Accident | $1,394 | $459 |
| DUI | $1,885 | $950 |
| Leaving scene of an accident/hit and run | $1,936 | $1,001 |
Source: The Zebra
Why is car insurance in Toledo so expensive?
Toledo drivers pay higher rates due to a mix of local risks, weather, and driving trends.
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Location: The location where you drive and park your car can greatly impact your auto insurance rates. In Toledo, certain ZIP codes may be more expensive to insure due to higher crime rates, risk of theft, and uninsured drivers.
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Weather: Toledo experiences severe weather, including thunderstorms, tornadoes, snowstorms, and occasional flooding. These events can damage vehicles and often contribute to higher insurance premiums. Carrying comprehensive coverage is a smart way to protect your car from weather-related damage.
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Drivers: As Toledo grows and its population increases, this means more drivers on the road, which then results in more accidents. Insurers have to account for this by raising rates (even for good or infrequent drivers), so this can also affect your personal auto insurance rates.
Insurers determine Toledo drivers' individual car insurance rates based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Local insight
Drivers near you in Toledo weigh in
"Erie [is the best], hands down. Pretty affordable, and we had a recent claim that went smoothly.
Added bonus: had a homeowners issue years ago that they said wouldn't be covered. They then hinted at how it would be covered if I gave a different cause. That saved me a couple thousand dollars. I'm paying less than $1,200 a year for 2 cars and 2 drivers."
-Reddit user on r/Toldeo [1]
"[I have] Progressive: I pay $95/mo for full coverage/collision at 100/300/100 levels and $250 deductible. I bundled my renters with them for $15k of coverage for $14/mo."
-Reddit user on r/Toldeo [2]
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Find the best rates for both auto and home insurance in minutes!
Toledo car insurance FAQs:
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Car insurance Reddit.com
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How expensive is your car insurance Reddit.com
Questions from Toledo drivers:
If I hit a tire in the road, is that considered a comprehensive claim?
Stated value vs replacement cost
Do I need a police report to file a claim with insurance if I damaged my own vehicle?
What's the difference between HO-2, HO-3, HO-4, HO-5 and HO-6 policies?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
