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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Drivers in Toledo pay an average of $117 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 $148 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: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $52 |
| State Farm | $54 |
| Progressive | $60 |
| Auto-Owners | $62 |
| Erie | $62 |
| Commonwealth Casualty | $68 |
| GEICO | $68 |
| USAA | $68 |
| Safeco | $72 |
| The General | $72 |
| Certainly | $74 |
| American Family | $77 |
| Hugo | $80 |
| Trexis | $87 |
| AssuranceAmerica | $88 |
| Trexis One | $91 |
| First Acceptance | $93 |
| Allstate | $99 |
| Direct Auto | $99 |
| GAINSCO | $99 |
| Elephant | $100 |
| Clearcover | $102 |
| Bristol West | $107 |
| Dairyland | $112 |
| Root | $115 |
| National General | $118 |
| Liberty Mutual | $121 |
| Travelers | $127 |
| Farmers | $130 |
| Foremost | $151 |
| Insurify Car | $157 |
| 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 Monday, August 10 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 | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | Mile Auto | $52 |
| Full coverage | Mile Auto | $84 |
| Teens | Mile Auto | $115 |
| Seniors | Mile Auto | $41 |
| Recent speeding ticket | Mile Auto | $65 |
| Recent at-fault accident | Mile Auto | $73 |
| OVI conviction | Mile Auto | $74 |
| Excellent credit | Mile Auto | $45 |
| Poor credit | Mile 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: Monday, August 10 at 5:00 PM PDT.Cheapest Liability Rates by Company
CompanyAverage Monthly PremiumMile Auto $52 State Farm $54 Progressive $60 Auto-Owners $62 Erie $62 Commonwealth Casualty $68 GEICO $68 USAA $68 Safeco $72 The General $72 Certainly $74 American Family $77 Hugo $80 Trexis $87 AssuranceAmerica $88 Trexis One $91 First Acceptance $93 Allstate $99 Direct Auto $99 GAINSCO $99 Elephant $100 Clearcover $102 Bristol West $107 Dairyland $112 Root $115 National General $118 Liberty Mutual $121 Travelers $127 Farmers $130 Foremost $151 Insurify Car $157 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 $148 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: Monday, August 10 at 5:00 PM PDT.Cheapest Full-Coverage Rates by Company
CompanyAverage Monthly PremiumMile Auto $84 State Farm $90 Erie $105 Auto-Owners $106 Progressive $112 Safeco $112 USAA $117 GEICO $118 American Family $129 Allstate $132 Direct Auto $138 CSAA $157 Elephant $157 AssuranceAmerica $163 The General $163 Certainly $165 National General $174 Commonwealth Casualty $179 Root $188 Liberty Mutual $205 Clearcover $206 Trexis $206 Travelers $216 Farmers $221 GAINSCO $224 Bristol West $232 Trexis One $249 First Acceptance $250 Dairyland $256 State Auto $305 Foremost $405 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 $250 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: Monday, August 10 at 5:00 PM PDT.Cheapest Rates for Teens
CompanyAverage Monthly PremiumState Farm $113 Mile Auto $115 Erie $123 Progressive $128 GEICO $133 Auto-Owners $134 USAA $135 Commonwealth Casualty $139 The General $141 American Family $157 Safeco $158 Certainly $158 Hugo $171 Clearcover $182 Trexis $186 GAINSCO $189 Root $191 Trexis One $194 AssuranceAmerica $195 Elephant $197 First Acceptance $199 Bristol West $205 Direct Auto $208 Dairyland $211 Allstate $211 Liberty Mutual $230 National General $252 Farmers $279 Travelers $282 Insurify Car $335 State Auto $457 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 $101 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: Monday, August 10 at 5:00 PM PDT.Cheapest Rates for Seniors
CompanyAverage Monthly PremiumMile Auto $41 State Farm $42 Erie $48 Auto-Owners $49 Progressive $52 GEICO $54 Commonwealth Casualty $55 USAA $55 The General $61 American Family $62 Safeco $63 Certainly $64 AssuranceAmerica $69 Hugo $69 Trexis $75 Trexis One $79 First Acceptance $80 Elephant $81 Direct Auto $81 GAINSCO $85 Allstate $86 Bristol West $89 Clearcover $90 National General $93 Dairyland $95 Liberty Mutual $100 Travelers $102 Farmers $103 Root $106 Insurify Car $136 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 $155 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: Monday, August 10 at 5:00 PM PDT.Cheapest Rates With a Ticket
CompanyAverage Monthly PremiumMile Auto $65 State Farm $70 Progressive $80 Auto-Owners $83 Erie $84 Commonwealth Casualty $84 USAA $90 GEICO $92 Safeco $97 Certainly $98 The General $99 American Family $102 Hugo $106 Trexis $115 AssuranceAmerica $116 Trexis One $121 GAINSCO $123 First Acceptance $123 Elephant $126 Direct Auto $128 Allstate $131 Clearcover $133 Bristol West $139 Root $141 Dairyland $143 National General $152 Liberty Mutual $159 Travelers $169 Farmers $171 Insurify Car $208 State Auto $245 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 $165. 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: Monday, August 10 at 5:00 PM PDT.Cheapest Rates With an Accident
CompanyAverage Monthly PremiumMile Auto $73 State Farm $74 Progressive $85 Auto-Owners $86 Erie $87 Commonwealth Casualty $93 GEICO $93 USAA $95 The General $102 Safeco $103 Certainly $105 American Family $108 Hugo $113 AssuranceAmerica $121 Trexis $123 Trexis One $129 GAINSCO $131 First Acceptance $131 Elephant $136 Direct Auto $140 Allstate $140 Bristol West $147 Clearcover $150 Root $150 Dairyland $153 National General $163 Liberty Mutual $167 Travelers $178 Farmers $181 Insurify Car $222 State Auto $256 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 $168 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: Monday, August 10 at 5:00 PM PDT.Cheapest Rates With an OVI
CompanyAverage Monthly PremiumMile Auto $74 State Farm $77 Auto-Owners $85 Progressive $86 Erie $89 Commonwealth Casualty $97 USAA $97 GEICO $98 The General $101 American Family $106 Certainly $107 Safeco $113 Hugo $115 Trexis $125 AssuranceAmerica $126 Trexis One $131 First Acceptance $134 Clearcover $141 Direct Auto $142 GAINSCO $142 Allstate $143 Elephant $143 Bristol West $153 Dairyland $160 Root $165 National General $169 Liberty Mutual $173 Travelers $182 Farmers $186 Insurify Car $226 State Auto $249 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 $146 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: Monday, August 10 at 5:00 PM PDT.Cheapest Rates With Bad Credit
CompanyAverage Monthly PremiumMile Auto $64 Progressive $75 State Farm $78 USAA $84 Commonwealth Casualty $84 GEICO $84 Safeco $89 The General $89 Erie $91 Certainly $93 American Family $93 Auto-Owners $93 Hugo $100 Trexis $109 AssuranceAmerica $109 Trexis One $114 First Acceptance $116 Direct Auto $123 GAINSCO $123 Allstate $124 Elephant $124 Clearcover $126 Bristol West $133 Dairyland $139 Root $142 Liberty Mutual $145 National General $146 Travelers $150 Farmers $161 Insurify Car $196 State Auto $225
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.
| User Reviews | 3.1 |
|---|
3.1
A solid option in Toledo, OHBased on 23 verified guest reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.4 | 2.9 |
Showing recent national reviewsSee all 7 Nationwide reviews
Verified Review
Reviewed in North Carolina on December 18, 2025
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.
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.
| 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. | $130/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. | $221/mo |
4.4
Best choice in Toledo, OHBased on 110 verified guest reviews and ratings
Farmers Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.7 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.3 | 2.9 |
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
Verified Review
Reviewed in Pennsylvania on October 13, 2025
Not happy with their rates. We have never had a claim, ever, and they raised my rate again.
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
| User Reviews | 4.2 |
|---|---|
| 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. | $68/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. | $117/mo |
4.2
Best choice in Toledo, OHBased on 198 verified guest reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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 81 USAA reviews
Verified Review
Reviewed in Texas on August 11, 2026
Use USAA for all your insurance needs.
Verified Review
Reviewed in California on August 10, 2026
My rates go up every year even though I haven’t had an accident or a ticket in 18 years. There are no loyalty or longevity discounts for being a great driver for that long.
Verified Review
Reviewed in Pennsylvania on August 9, 2026
Take notes and be prepared to talk to multiple people. That’s the downside of not having a designated agent. If you’re in a car accident and your car is totaled, they may try to significantly lowball what you’re owed by $5,000 or more. Be firm and decline their first offer. Get management involved.
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.
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Ohio Auto Insurance Requirements
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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 $117 per month for auto insurance, according to Compare.com data. Liability coverage costs an average of $86 per month, and full coverage averages $148.
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 $117 per month for auto insurance, according to Compare.com data. That’s compared to the U.S. national average of $141 per month.
On average, drivers in the Buckeye State pay $69 per month for minimum liability insurance and $123 per month for full coverage. But factors like your age, ZIP code, and driving record affect how much you pay for car insurance.
Sources
- Toledo Metropolitan Area Council of Governments. "Traffic Count Database System."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
- Trustpilot. "Nationwide Reviews."
- Better Business Bureau. "Nationwide."
- Trustpilot. "Farmers Insurance Reviews."
- Better Business Bureau. "USAA."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- 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.
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Anna BaluchInsurance Writer
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Matthew GrossEditor