The Cheapest Auto Insurance Companies in Toledo, Ohio, in 2026

Mile Auto offers the lowest car insurance rates in Toledo, starting at $52 per month.

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Cheapest recent rates near Toledo, Ohio

Recent Toledo, Ohio car insurance prices for KIA, Porsche, MINI , and more.

*These quotes are from Compare.com users in and around Toledo, Ohio within the last 10 days. Updated on May 1, 2026

The rates you see here are from a combination of recent Compare.com customers and data compiled in collaboration with Quadrant Information Services.
Our algorithm excludes anomalies and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity. All rates are from the last 10 days as of May 1, 2026.
Actual quotes may vary based on your unique driver profile.

*These quotes are from Compare.com users in and around Toledo, Ohio within the last 10 days. Updated on May 1, 2026

The rates you see here are from a combination of recent Compare.com customers and data compiled in collaboration with Quadrant Information Services.
Our algorithm excludes anomalies and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity. All rates are from the last 10 days as of May 1, 2026.
Actual quotes may vary based on your unique driver profile.
Anna Baluch
Written byAnna Baluch
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.

Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.

Matthew Gross
Edited byMatthew Gross
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Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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Drivers in Toledo pay an average of $115 per month for car insurance, according to Compare.com data. That’s slightly higher than the Ohio state average, likely due to Toledo’s heavier traffic, which increases the risk of accidents.[1]

Despite this, a number of car insurance companies in Toledo offer policies for well below the city’s average, including Mile Auto, State Farm, and Progressive.

Let’s dive deeper into the most affordable insurance companies for different types of Toledo drivers. We’ll tell you how to choose the right insurer and give you tips on how to save money on your car insurance coverage.

Key Takeaways
  • The cheapest car insurer in Toledo is Mile Auto, with rates starting at $52 per month.

  • Toledo residents pay a monthly average rate of $86 for liability insurance and $145 for full coverage.

  • Ohio law requires Toledo drivers to meet liability limits of at least 25/50/25.

The Cheapest Car Insurance Companies in Toledo, Ohio

Regardless of the average premiums in Toledo, you can still find ways to save on your auto policy. The table below shows the cheapest auto insurance companies in Toledo, according to Compare.com data.

The below rates in Toledo, OH, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT. 
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
Mile Auto$52
State Farm$53
Progressive$59
Erie$62
Auto-Owners$63
Commonwealth Casualty$68
GEICO$68
USAA$69
The General$70
Safeco$71
Certainly$73
American Family$76
Nationwide$80
AssuranceAmerica$85
Trexis$86
Trexis One$90
First Acceptance$94
Elephant$97
Direct Auto$98
GAINSCO$100
Clearcover$102
Bristol West$105
Dairyland$111
Root$113
Allstate$117
National General$117
CSAA$121
Liberty Mutual$125
Travelers$127
Farmers$131
Foremost$166
State Auto$180
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Thursday, April 30 at 5:00 PM PDT.

Cheapest Car Insurance in Toledo by Driver and Coverage Type

Auto insurance rates in Toledo vary depending on factors like your age, ZIP code, driving habits, and credit history. The coverage you choose also plays a role in your car insurance costs.

Below, you’ll find the most affordable insurance companies in Toledo for different driver backgrounds and coverage types, according to our research.

Driver or Coverage Type
sort ascsort desc
Cheapest Insurer
sort ascsort desc
Average Monthly Premium
sort ascsort desc
Liability onlyMile Auto$52
Full coverageMile Auto$81
TeensMile Auto$115
SeniorsMile Auto$41
Recent speeding ticketMile Auto$65
Recent at-fault accidentMile Auto$72
OVI convictionMile Auto$74
Excellent creditMile Auto$44
Poor creditMile Auto$64
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

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  • Ohio law requires all drivers to buy a certain amount of liability insurance to legally drive. Liability coverage pays for other people’s property damage and injuries you cause in an accident.

    Toledo drivers pay an average monthly rate of $86 for minimum-coverage insurance. That may seem cheap compared to the city’s overall average, but liability policies don’t cover your damages or injuries in an accident.

    If you decide that you need only basic liability insurance, here’s a look at the insurance companies with the cheapest liability premiums in Toledo, according to data from Compare.com.

    The below rates in Toledo, OH, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT. 

    Cheapest Liability Rates by Company

    Company
    Average Monthly Premium
    Mile Auto$52
    State Farm$53
    Progressive$59
    Erie$62
    Auto-Owners$63
    Commonwealth Casualty$68
    GEICO$68
    USAA$69
    The General$70
    Safeco$71
    Certainly$73
    American Family$76
    Nationwide$80
    AssuranceAmerica$85
    Trexis$86
    Trexis One$90
    First Acceptance$94
    Elephant$97
    Direct Auto$98
    GAINSCO$100
    Clearcover$102
    Bristol West$105
    Dairyland$111
    Root$113
    Allstate$117
    National General$117
    CSAA$121
    Liberty Mutual$125
    Travelers$127
    Farmers$131
    Foremost$166
    State Auto$180
  • Full-coverage car insurance usually includes comprehensive and collision coverages, which protect your vehicle from theft, vandalism, severe weather, and at-fault accidents. Your lender may require a full-coverage policy if you finance or lease your vehicle.

    Toledo drivers pay an average of $145 per month for full-coverage car insurance. That might be more than liability-only insurance, but the additional protection is typically worth the higher cost for most drivers. Without it, you might be stuck with hefty out-of-pocket repair costs.

    This chart shows the most affordable insurance companies in Toledo for full-coverage auto policies, according to our data.

    The below rates in Toledo, OH, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT. 

    Cheapest Full-Coverage Rates by Company

    Company
    Average Monthly Premium
    Mile Auto$81
    State Farm$94
    Erie$110
    Auto-Owners$111
    Safeco$113
    Progressive$116
    GEICO$120
    USAA$122
    American Family$136
    CSAA$137
    Direct Auto$138
    Nationwide$140
    Elephant$149
    Certainly$162
    The General$162
    AssuranceAmerica$163
    National General$172
    Commonwealth Casualty$182
    Root$185
    Clearcover$205
    Liberty Mutual$205
    Trexis$206
    Allstate$208
    Travelers$226
    GAINSCO$228
    Bristol West$232
    Farmers$232
    Trexis One$245
    Dairyland$255
    First Acceptance$255
    State Auto$321
    Foremost$374
  • Compared to drivers in other age groups, teens aged 16–19 are at a higher risk for car accidents, according to the Centers for Disease Control and Prevention (CDC).[2] That’s why they typically pay more for auto insurance coverage than older drivers.

    On average, Toledo teens pay $245 per month for auto coverage. But you can still score a great deal if you’re a younger driver or have one on your policy.

    Here are the five cheapest car insurance companies in Toledo for teens, according to Compare.com data.

    The below rates in Toledo, OH, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT. 

    Cheapest Rates for Teens

    Company
    Average Monthly Premium
    State Farm$111
    Mile Auto$115
    Erie$124
    Progressive$126
    GEICO$134
    The General$137
    Commonwealth Casualty$138
    Auto-Owners$138
    USAA$138
    Safeco$155
    Certainly$155
    American Family$156
    Nationwide$169
    Trexis$183
    Clearcover$183
    Elephant$188
    AssuranceAmerica$189
    Trexis One$192
    GAINSCO$195
    First Acceptance$200
    Bristol West$203
    Direct Auto$206
    Dairyland$211
    Root$214
    Liberty Mutual$239
    CSAA$249
    Allstate$250
    National General$253
    Farmers$283
    Travelers$285
    State Auto$466
  • Seniors typically pay some of the lowest car insurance premiums of any age group. Older drivers tend to have years of experience on the road and safe driving habits. Seniors often drive less frequently and cause fewer accidents than other age groups.

    Toledo seniors pay an average of $100 per month for car insurance. But even with these affordable rates, you can likely find cheaper coverage from a number of car insurance companies.

    Below are five of the cheapest insurers for seniors in Toledo, according to Compare.com data.

    The below rates in Toledo, OH, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT. 

    Cheapest Rates for Seniors

    Company
    Average Monthly Premium
    Mile Auto$41
    State Farm$42
    Erie$48
    Auto-Owners$50
    Progressive$51
    GEICO$54
    Commonwealth Casualty$55
    USAA$56
    The General$60
    American Family$61
    Nationwide$61
    Safeco$62
    Certainly$63
    AssuranceAmerica$67
    Trexis$74
    Trexis One$78
    Elephant$80
    Direct Auto$80
    First Acceptance$81
    GAINSCO$86
    Bristol West$88
    Clearcover$91
    National General$92
    CSAA$94
    Dairyland$94
    Root$95
    Allstate$95
    Travelers$102
    Farmers$104
    Liberty Mutual$104
    State Auto$136
  • A ticket can raise your car insurance costs when it’s time to renew your policy. Insurers consider tickets and other traffic violations as indicators of risky driving behavior and charge more to offset that risk.

    Toledo residents with a ticket pay an average of $150 per month for car insurance coverage. But several insurance companies offer cheaper rates.

    This table lists the five most affordable car insurance companies in Toledo for drivers with a recent ticket, according to Compare.com data.

    The below rates in Toledo, OH, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT. 

    Cheapest Rates With a Ticket

    Company
    Average Monthly Premium
    Mile Auto$65
    State Farm$69
    Progressive$77
    Commonwealth Casualty$82
    Erie$84
    Auto-Owners$84
    GEICO$91
    USAA$91
    Safeco$95
    Certainly$95
    The General$96
    American Family$101
    Nationwide$106
    AssuranceAmerica$110
    Trexis$112
    Trexis One$118
    Elephant$119
    GAINSCO$122
    First Acceptance$123
    Direct Auto$126
    Clearcover$133
    Bristol West$135
    Dairyland$141
    National General$149
    Root$154
    Allstate$155
    CSAA$161
    Liberty Mutual$162
    Travelers$168
    Farmers$171
    State Auto$244
  • An at-fault accident can cause your car insurance rates to skyrocket. Our research shows Toledo drivers with a recent accident pay an average monthly car insurance premium of $160. But you might find cheaper coverage with one of the insurers below.

    Here are Toledo’s five cheapest insurers for drivers with a recent accident, according to Compare.com data.

    The below rates in Toledo, OH, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT. 

    Cheapest Rates With an Accident

    Company
    Average Monthly Premium
    Mile Auto$72
    State Farm$72
    Progressive$82
    Erie$85
    Auto-Owners$86
    GEICO$92
    Commonwealth Casualty$92
    USAA$95
    The General$99
    Safeco$101
    Certainly$102
    American Family$105
    Nationwide$111
    AssuranceAmerica$116
    Trexis$120
    Trexis One$125
    Elephant$130
    First Acceptance$131
    GAINSCO$132
    Direct Auto$137
    Bristol West$142
    Clearcover$150
    Dairyland$151
    Root$156
    National General$160
    Allstate$161
    Liberty Mutual$171
    Travelers$176
    Farmers$180
    CSAA$185
    State Auto$253
  • Insurers consider operating a vehicle under the influence (OVI) as one of the riskiest driving behaviors and charge higher premiums for drivers with an OVI conviction. Toledo residents with an OVI on their record pay an average of $164 per month for an auto policy.

    But some insurance companies specialize in providing coverage for high-risk drivers, including people with OVIs. Here’s a look at the five cheapest auto insurance companies for Toledo drivers with an OVI, based on our research.

    The below rates in Toledo, OH, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT. 

    Cheapest Rates With an OVI

    Company
    Average Monthly Premium
    Mile Auto$74
    State Farm$76
    Progressive$84
    Erie$89
    Auto-Owners$90
    Commonwealth Casualty$94
    GEICO$97
    The General$97
    USAA$99
    Certainly$104
    Safeco$108
    American Family$109
    Nationwide$114
    AssuranceAmerica$121
    Trexis$122
    Trexis One$128
    First Acceptance$134
    Elephant$139
    Direct Auto$140
    GAINSCO$143
    Clearcover$146
    Bristol West$150
    Dairyland$159
    Root$163
    Allstate$167
    National General$167
    CSAA$173
    Liberty Mutual$179
    Travelers$182
    Farmers$187
    State Auto$247
  • Like most states, Ohio allows car insurance companies to use insurance-based credit scores to help calculate rates. Research has shown that drivers with poor credit file more claims than drivers with good or excellent credit, so insurers charge them higher premiums.[3]

    Drivers with poor credit in Toledo pay an average of $144 per month for car insurance. Fortunately, not all insurers look at your credit history, and some offer affordable rates no matter your credit.

    This chart highlights the cheapest companies for drivers with poor credit in Toledo, Ohio, according to Compare.com data.

    The below rates in Toledo, OH, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT. 

    Cheapest Rates With Bad Credit

    Company
    Average Monthly Premium
    Mile Auto$64
    Progressive$74
    State Farm$76
    Commonwealth Casualty$84
    GEICO$84
    USAA$85
    The General$86
    Safeco$88
    Erie$91
    Certainly$91
    American Family$91
    Auto-Owners$94
    Nationwide$99
    AssuranceAmerica$105
    Trexis$108
    Trexis One$113
    First Acceptance$118
    Elephant$120
    Direct Auto$121
    GAINSCO$123
    Clearcover$126
    Bristol West$129
    Dairyland$137
    Root$139
    Allstate$144
    National General$144
    CSAA$149
    Liberty Mutual$150
    Travelers$157
    Farmers$162
    State Auto$223

Our Picks for the Best Auto Insurance in Toledo

No single car insurance company is best for every driver. The right insurer for you depends on your coverage needs and driver profile. To help you narrow down your choices, we picked some of the top car insurance companies in Toledo, based on a combination of average rates, available discounts, customer ratings and reviews, and coverages offered.

Nationwide logo
User Reviews
3.3
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.5 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$140/mo
3.3
A solid optionBased on 22 verified guest reviews and ratings
Nationwide's score
Industry average
Coverage options3.03.2
Customer service3.13.6
Discounts3.02.9
Policy transparency3.03.1
Value3.52.9
Showing recent national reviewsSee all 7 Nationwide reviews
David
Verified Review
Too late to change to another company
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
Ron
Verified Review
Nationwide is becoming a Chintzy Picky Company
I like Nationwide, but they have become very picky and want me to do too many repairs before they take my money and purchase insurance.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Nationwide has various coverage options for Toledo drivers, including add-ons like rental car coverage, gap insurance, and 24/7 roadside assistance. It also offers the SmartRide and SmartMiles telematics programs to save money for safe and low-mileage driving.

While Nationwide offers a vanishing deductible, it has fewer discounts than other car insurance companies. The company also has poor Trustpilot and BBB reviews.

Pros
  • Quotes available online

  • Local agents in Toledo

  • Vanishing deductible available

Cons
  • Fewer discounts than some other insurers

  • Low Trustpilot rating[4]

  • Poor Better Business Bureau (BBB) reviews[5]

Farmers Insurance logo
User Reviews
4.4
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.3 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$131/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$232/mo
4.4
Best choiceBased on 110 verified guest reviews and ratings
Farmers Insurance's score
Industry average
Coverage options4.43.2
Customer service4.73.6
Discounts4.32.9
Policy transparency4.63.1
Value4.32.9
How drivers feel about Farmers Insurance

Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.

AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 57 Farmers Insurance reviews
Evelyn
Verified Review
Looking for a new insurance company
Not happy with their rates. We have never had a claim, ever, and they raised my rate again.
Gediminas
Verified Review
Good, but Confusing Pricing
Overall, very good, but it costs more to limit coverage on an unused vehicle than to cover it. ???
Eugenia
Verified Review
Farmers was there for me when I needed help!
Communication wasn’t the greatest sometimes. Rates were competitive.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
588
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Farmers serves Toledo drivers with a number of car insurance products, including accident forgiveness, original parts coverage, and rideshare insurance. Plus, you can save money with a bundling discount for combining your auto insurance with homeowners or renters insurance.

That said, Farmers is usually more expensive for Toledo drivers with traffic violations on their record. It also doesn’t offer pay-per-mile coverage unless you’re a commercial customer.

Pros
  • Local agents in Toledo

  • Signal telematics program

  • Offers accident forgiveness

Cons
  • More expensive rates for high-risk drivers

  • Low Trustpilot rating[6]

  • Doesn’t offer pay-per-mile insurance for personal policies

USAA logo
User Reviews
4.4
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.5 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$69/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$122/mo
4.4
Best choiceBased on 161 verified guest reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.53.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
How drivers feel about USAA

Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.

AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 69 USAA reviews
Jeremy
Verified Review
USAA will increase your premium every 6 months.
USAA claims that they are all about the service members, but they bank on that being the reason you pay for their overpriced insurance.
Robin
Verified Review
Good Service
Fair price.
Catherine
Verified Review
Top Drawer
Very good. Reliable. Comprehensive.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
726
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA is worth exploring for Toledo drivers affiliated with the military. The company offers two telematics programs: SafePilot for safe drivers, and SafePilot Miles for people who drive fewer than 8,000 miles per year. You may also score a discount if you keep your car on a military base.

But USAA is an option only if you’re part of the military. It also advertises fewer discounts than others.

Pros
  • Military-specific insurance discounts

  • Offers overseas auto insurance coverage

  • High customer satisfaction ratings[8]

Cons
  • Available only to military members and their families

  • Few discounts available

  • Poor BBB rating[7]

Find the Best Company for You

Local rates start as low as $52 per month.

Excellent
4.6 out of 5 based on 637 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Ohio Auto Insurance Requirements

Aerial view of a blue suspension bridge crossing a wide river with cars, sun reflecting on the water and suburban neighborhoods on the far bank.

Ohio, like most states, requires all drivers to have auto insurance. The minimum liability requirements in the Buckeye State include:

  • Bodily injury liability: $25,000 per person and $50,000 per accident to cover injuries you cause

  • Property damage liability: $25,000 per accident for damages you cause[9]

Is minimum coverage enough in Toledo?

Auto insurance experts suggest buying coverage above Ohio’s minimum limits. With rising repair and medical costs, you could be on the hook for thousands of dollars if you don’t have sufficient coverage. Plus, if you have a loan or lease on your car, your lender may require full coverage.

Let’s say you cause an accident and total the other driver’s car, worth $50,000. Ohio’s $25,000 minimum means you’d have to pay the remaining $25,000 out of pocket. Opting for more coverage costs more up front but can save you money in the long run.

Toledo Auto Insurance FAQs

Below, we answered some common questions about car insurance in Toledo, Ohio.

  • Toledo drivers pay an average of $115 per month for auto insurance, according to Compare.com data. Liability coverage costs an average of $86 per month, and full coverage averages $145.

  • Mile Auto has the cheapest car insurance in Toledo, according to Compare.com data. Its rates start at $52 per month.

  • It depends. A number of factors — like your age, ZIP code, and driving record — determine how much you pay for a car insurance policy in Toledo. Drivers in Toledo pay an average of $115 per month for auto insurance, according to Compare.com data. That’s compared to the U.S. national average of $140 per month.

  • On average, drivers in the Buckeye State pay $68 per month for minimum liability insurance and $122 per month for full coverage. But factors like your age, ZIP code, and driving record affect how much you pay for car insurance.

Sources

  1. Toledo Metropolitan Area Council of Governments. "Traffic Count Database System."
  2. Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
  3. Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
  4. Trustpilot. "Nationwide Reviews."
  5. Better Business Bureau. "Nationwide."
  6. Trustpilot. "Farmers Insurance Reviews."
  7. Better Business Bureau. "USAA."
  8. J.D. Power. "2025 U.S. Auto Insurance Study."
  9. Ohio Department of Insurance. "Auto Insurance Minimum Coverage Requirements."

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Anna Baluch
Written byAnna BaluchInsurance Writer
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.

Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.

Matthew Gross
Edited byMatthew GrossEditor
Matthew Gross headshot
Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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