Cheapest Car Insurance In Toledo, OH 2025
The lowest minimum coverage rates in Toledo come from State Farm, with an average cost of $47 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Toledo, OH, the cost of car insurance can range widely when you’re looking for the cheapest option.
For the most affordable liability-only insurance, State Farm is the clear winner. Erie offers the best value for full coverage, and Clearcover leads with the lowest rates for young drivers.
Cheapest Car Insurance Companies In Toledo, OH 2025
Cheapest Liability-only Car Insurance In Toledo: State Farm
State Farm leads in affordability for minimum coverage car insurance in Toledo, charging an average of $47 per month.
Use the chart below to easily compare rates from different car insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $47 | $564 |
| USAA | $61 | $732 |
| GEICO | $60 | $720 |
| Auto-Owners | $55 | $660 |
| American Family | $69 | $828 |
Cheapest Full Coverage Insurance Rates In Toledo: Erie
Erie provides Toledo’s lowest rates for full coverage car insurance, with quotes averaging $96 a month.
The following table outlines average auto insurance rates from low-cost providers in Toledo.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $96 | $1,152 |
| USAA | $107 | $1,284 |
| Auto-Owners | $99 | $1,188 |
| American Family | $118 | $1,416 |
| Progressive | $137 | $1,644 |
Cheapest Car Insurance Rates For Seniors: Hastings Mutual
The lowest car insurance rates for seniors in Toledo come from Hastings Mutual, with monthly premiums averaging $69.
The table shows a breakdown of average quotes from the lowest-cost auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Hastings Mutual | $69 | $828 |
| State Farm | $74 | $888 |
| USAA | $71 | $852 |
| Buckeye Insurance | $77 | $924 |
| Safe Auto | $78 | $936 |
Cheapest Rates In Toledo For Teenagers: State Farm
The lowest car insurance rates for teens in Toledo come from State Farm, with average premiums of $165 per month.
The table provides a breakdown of the lowest car insurance rates available for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $165 | $1,980 |
| Auto-Owners | $170 | $2,040 |
| Safe Auto | $178 | $2,136 |
| Erie | $170 | $2,040 |
| Allstate | $200 | $2,400 |
Cheapest Auto Insurance For Young Adults in Toledo: Clearcover
The most budget-friendly car insurance for young adults in Toledo is from Clearcover, with average rates of $80 per month.
Use the chart below to review and compare low-cost auto insurance rates for young adults in Toledo.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $80 | $960 |
| USAA | $110 | $1,320 |
| Direct Auto | $87 | $1,044 |
| Nationwide | $114 | $1,368 |
| State Farm | $121 | $1,452 |
Cheapest Car Insurance In Toledo For Good Drivers: State Farm
State Farm offers Toledo’s lowest car insurance rates for good drivers, with average quotes of about $47 monthly.
The table below compares average car insurance quotes from the most affordable providers for safe drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $47 | $564 |
| USAA | $61 | $732 |
| GEICO | $60 | $720 |
| Auto-Owners | $55 | $660 |
| American Family | $69 | $828 |
Find affordable Toledo rates
Cheapest Car Insurance In Toledo After A Speeding Ticket: Auto-Owners
Drivers with a speeding violation can get affordable coverage from Auto-Owners in Toledo, with average monthly rates of $130.
The following table shows average insurance costs for drivers with a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $130 | $1,560 |
| GEICO | $138 | $1,656 |
| Nationwide | $165 | $1,980 |
| American Family | $157 | $1,884 |
| Erie | $133 | $1,596 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
With average premiums of $134 per month, Auto-Owners offers the cheapest coverage for at-fault drivers.
The following companies provide low-cost car insurance options for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $134 | $1,608 |
| GEICO | $142 | $1,704 |
| American Family | $163 | $1,956 |
| Nationwide | $168 | $2,016 |
| Direct Auto | $221 | $2,652 |
Cheapest Rates In Toledo For Drivers After A DUI: Erie
With average rates of $157 per month, Erie offers Toledo’s cheapest car insurance option for drivers after a DUI.
Below is a comparison table featuring the lowest insurance rates for Toledo drivers after a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $157 | $1,884 |
| American Family | $195 | $2,340 |
| GEICO | $170 | $2,040 |
| Nationwide | $202 | $2,424 |
| Progressive | $221 | $2,652 |
Best Car Insurance Companies In Toledo
Toledo drivers will find State Farm the cheapest option at $47 per month, with Auto-Owners and Erie offering competitive rates of $55 and $57.
Below is a list of Toledo, OH top 10 car insurance companies, ordered by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $47 |
| USAA | $61 |
| GEICO | $60 |
| Auto-Owners | $55 |
| American Family | $69 |
| Travelers | $112 |
| Erie | $57 |
| Safeco | $75 |
| Progressive | $78 |
| Allstate | $104 |
Average Auto Insurance Rates In Toledo – By Age
Insurance companies use age to assess risk and set premiums. Younger drivers, with their higher accident rates, pay more. Teen drivers, for example, typically face annual costs of about $2,827.
Drivers usually start to see reduced premiums at age 25, provided their driving record is free of incidents.
Insurance companies commonly offer the best rates to drivers aged 50 to 60, viewing age as an indicator of experience and risk level.
| Age | Average Yearly Rate |
| Teenagers | $2,827 |
| 20s | $1,820 |
| 30s | $1,300 |
| 40s | $1,154 |
| 50s | $1,115 |
| 60s | $1,114 |
| 70s | $1,250 |
Average Rates In Toledo – By Vehicle
Car insurance premiums are partly based on your vehicle’s make, model, and year. Generally, newer luxury models with complex technology and expensive parts lead to higher insurance costs.
The following table presents average car insurance quotes for various vehicles in Toledo.
| Vehicle | Average Monthly Rate |
| Ford Flex | $82 |
| Chevrolet Equinox | $70 |
| Pontiac Vibe | $235 |
| Nissan Maxima | $435 |
| GMC Acadia | $155 |
Average Cost Of Auto Insurance In Toledo – By Zip Code
Car insurance costs change by ZIP code because insurers use local crime data to calculate risk levels.
The following table presents average insurance quotes for Toledo, broken down by ZIP code.
| City | Average Monthly Rate |
| 43657 | $452 |
| 43611 | $115 |
| 43614 | $104 |
| 43610 | $135 |
| 43604 | $115 |
How Much Is Car Insurance In Other Cities in Ohio?
Car insurance companies factor in your location when setting premiums. Areas with higher accident rates, theft, and vandalism—especially cities—often lead to higher insurance costs.
The average car insurance rate is $145 per month in Groveport, but only $75 per month in Lima.
| City | Average Monthly Rate |
| Canton | $95 |
| Mansfield | $85 |
| Akron | $100 |
| Lima | $75 |
| Cincinnati | $110 |
| Hamilton | $85 |
| Cleveland | $118 |
| Dayton | $90 |
| Columbus | $105 |
| Groveport | $145 |
Find affordable Toledo rates
Our Methodology
Using a blend of customer reviews, coverage comparisons, pricing analysis, and user experience ratings, I’ve developed a detailed look at Toledo, OH car insurance providers.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Toledo?
The cheapest car insurance rates in Toledo are from State Farm for minimum coverage and from Erie for full coverage, which includes comprehensive and collision.
What is the average cost of car insurance in Toledo?
Car insurance costs in Toledo average about $110 per month, but your final rate will depend on factors like ZIP code, car model, and driving history.
