The Cheapest Auto Insurance Companies in Toledo, Ohio, in 2025
Mile Auto offers the lowest car insurance rates in Toledo, starting at $50 per month.
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Written byAnna Baluch
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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.
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Edited byMatthew Gross
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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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In This Article
Drivers in Toledo pay an average of $116 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 Auto-Owners.
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 $50 per month.
Toledo residents pay a monthly average rate of $87 for liability insurance and $146 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 are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company  | Average Monthly Premium |
|---|---|
| Mile Auto | $50 |
| State Farm | $56 |
| Auto-Owners | $66 |
| Erie | $66 |
| GEICO | $72 |
| Progressive | $72 |
| Safeco | $73 |
| USAA | $73 |
| The General | $74 |
| Commonwealth Casualty | $79 |
| American Family | $82 |
| Nationwide | $84 |
| CSAA | $93 |
| Root | $96 |
| Elephant | $98 |
| Bristol West | $101 |
| Direct Auto | $103 |
| Clearcover | $111 |
| Dairyland | $114 |
| GAINSCO | $117 |
| National General | $117 |
| Allstate | $125 |
| Travelers | $136 |
| Farmers | $139 |
| Liberty Mutual | $143 |
| Foremost | $171 |
| State Auto | $192 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 | $50 |
| Full coverage | Mile Auto | $73 |
| Teens | Mile Auto | $111 |
| Seniors | Mile Auto | $39 |
| Recent speeding ticket | Mile Auto | $61 |
| Recent at-fault accident | Mile Auto | $67 |
| OVI conviction | Mile Auto | $69 |
| Excellent credit | Mile Auto | $42 |
| Poor credit | Mile Auto | $62 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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 $87 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.
Cheapest Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $146 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.
Cheapest Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $249 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.
Cheapest Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $97 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.
Cheapest Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $147 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.
Cheapest Rates With a Ticket
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $154. 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.
Cheapest Rates With an Accident
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $151 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.
Cheapest Rates With an OVI
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $145 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.
Cheapest Rates With Bad Credit
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 |
|---|---|
| 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. | $67/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. | $109/mo |
3.1
A solid optionBased on 19 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (6)
Ron
Verified Review
Nationwide is becoming a Chintzy Picky Company
Reviewed in Missouri on May 2025
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.
Richard
Verified Review
Ready for a Change...
Reviewed in Pennsylvania on January 2025
It seems expensive, and there's no communication with me!
Dana
Verified Review
Can't reach anyone, and they cancelled without notification
Reviewed in Nevada on January 2025
Ridiculous!
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7AM 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 | 4.1 |
|---|---|
| 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. | $111/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. | $180/mo |
4.1
Best choiceBased on 110 verified guest reviews and ratings
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
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
Reviews (57)
Evelyn
Verified Review
Looking for a new insurance company
Reviewed in Pennsylvania on October 2025
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
Reviewed in Georgia on August 2025
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!
Reviewed in Georgia on August 2025
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.
588NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28AM 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).
AWhy 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 | 4.3 |
|---|---|
| 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. | $59/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. | $95/mo |
4.3
Best choiceBased on 119 verified guest reviews and ratings
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
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
Reviews (65)
Lonny
Verified Review
SCAM
Reviewed in Georgia on September 2025
Be sure all the numbers match your conversation with the agent! My outcome is $80 more a month than when I purchased the plan!
Clifford
Verified Review
Rate hikes yet again. Leaving USAA after 28 years.
Reviewed in Arizona on July 2025
They have significantly increased rates over the last few years. I have excellent credit, a clean driving record, and no claims, yet rates increased again this renewal by another $160 per 6 months. My rate has increased over $400 in the last 18 months to now $1562.68 for 6 months.
Natalya
Verified Review
SCAM
Reviewed in Colorado on July 2025
Our experience with USAA was horrendous. We lost our home to Hurricane Beryl. Having been a member for 27 years and never making any claims, this experience was indescribable.
USAA, to whom we had paid $410.36 for years, had me doing their job. No tickets, no DUI, and a 20-year-old driver. That is too expensive for anyone.
After Beryl, there was no power, which meant no electricity, no internet, no open stores, no food, and no gas.
By the beginning of the second month, USAA tried to make Texas Wind and Air responsible, then FEMA, for paying for the broken roof, fallen trees, flooded home, and damaged AC. We decided to pack up and move on our own dime again.
USAA is and always will be a ripoff. Very expensive to be a USAA member. Never again. We are just fine with AAA. Personally, the old ways of taking care of folks with insurance are only found and available with AAA.
USAA has not stopped offering me a job with their claims department since Hurricane Beryl, though. I must know what I am doing better than my agent, who got fired for drinking and falsifying claims documents.
There's more to the storyline with USAA. Plan on having to call them constantly to make sure they are at work.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
726NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31AM 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 $116 per month for auto insurance, according to Compare.com data. Liability coverage costs an average of $87 per month, and full coverage averages $146.
Mile Auto has the cheapest car insurance in Toledo, according to Compare.com data. Its rates start at $50 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 $116 per month for auto insurance, according to Compare.com data. That’s compared to the U.S. national average of $137 per month.
On average, drivers in the Buckeye State pay $70 per month for minimum liability insurance and $118 per month for full coverage. But factors like your age, ZIP code, and driving record affect how much you pay for car insurance.
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.
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."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- Better Business Bureau. "USAA."
- Ohio Department of Insurance. "Auto Insurance Minimum Coverage Requirements."
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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 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.