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:
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.
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.Â
Car insurance quotes in Ohio
Ohio drivers in and near Toledo saved money on car insurance recently using The Zebra:
This quote from Bristol West helped a Nissan Altima driver in Hamilton, OH cut their insurance costs.
Our licensed agents guided a driver in Carrollton, OH find this smart deal on their Chevrolet Silverado 2500 with Liberty Mutual.
This quote from Safeco helped a Chevrolet Equinox driver in West Jefferson, OH cut their insurance costs.
Drivers in Delaware, OH are getting smart deals on Honda Passport coverage from National General.
This quote from Root Insurance helped a Chevrolet Cobalt driver in Chillicothe, OH cut their insurance costs.
Drivers in Chippewa Lake, OH are getting smart deals on Toyota Corolla coverage from The General.
Cheap liability and full coverage auto insurance in Toledo
In 2025, 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?
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.
Source: The Zebra
Updating data...
| 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.Â
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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.
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Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
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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.