How to find the cheapest car insurance in Toledo, Ohio
Car insurance in Toledo, Ohio averages about $109 a month for minimum liability coverage and about $122 a month for full coverage. This works out to be around 10% less than the national average.
If you’re looking for the easiest way to find cheap car insurance in Toledo, Ohio, use Jerry to quickly compare quotes and buy your next policy. Below are some of the best rates Jerry found for our Toledo customers.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Commonwealth Insurance | $159 | 23 | 43611 | Volkswagen Jetta Base | State Minimum | No |
| Bristol West | $75 | 35 | 43614 | Jeep Renegade Limited | State Minimum | No |
| Progressive | $176 | 33 | 43607 | Honda Accord Lx | State Minimum | No |
| Bristol West | $317 | 23 | 43605 | Ford Ecosport Se | State Minimum | Yes |
| Progressive | $89 | 26 | 43614 | Toyota Avalon Limited | State Minimum | No |
Best car insurance companies in Toledo, Ohio
All insurance companies in Toledo, Ohio have their own method for calculating car insurance quotes based on your unique driving profile. That means the most affordable car insurance company may be different for everyone.
But when you’re shopping for car insurance, there’s more to consider than just the cost. You should also look at a company’s ratings for things like claims handling and customer service.
Jerry wanted to make it simple for drivers to compare the best car insurance companies, so we surveyed over 18,000 real policyholders to find out what they do and don’t like about their current insurance provider.
The results were surprising. Big-name insurers like GEICO and State Farm received mixed reviews for insurance costs and customer service, while smaller companies like Aspire Advantage, Erie, and National General consistently scored well with their customers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Farmers | 4.7 | 4.7 | N/A | 4.7 |
| Allstate | 4.6 | 4 | 4.3 | 4 |
| State Farm | 4.4 | 3.7 | 4.8 | 4.6 |
| Progressive | 4.3 | 3.6 | 3.9 | 4.2 |
| Geico | 3.9 | 3.8 | 3.8 | 4.2 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Toledo, Ohio
Toledo, Ohio drivers are required to carry at least the minimum amount of liability insurance set by Ohio law. A minimum-liability car insurance policy will be the cheapest auto insurance you can buy—but it’s almost never enough coverage to fully protect you.
If you want your insurance to cover repair or replacement costs for your own vehicle, consider adding full coverage to your policy.
Cheap minimum liability insurance quotes in Toledo, Ohio
To legally drive in Toledo, you’ll need a policy that meets Ohio’s liability car insurance requirements, which are sometimes described as 25/50/25 coverage. This stands for:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
Basic liability coverage will pay up to your policy coverage limits for any injuries or property damage that you cause to others while you’re driving.
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Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Commonwealth Insurance | $159 | 23 | 43611 | Volkswagen Jetta Base | State Minimum | No |
| Bristol West | $75 | 35 | 43614 | Jeep Renegade Limited | State Minimum | No |
| Progressive | $176 | 33 | 43607 | Honda Accord Lx | State Minimum | No |
| Bristol West | $317 | 23 | 43605 | Ford Ecosport Se | State Minimum | Yes |
| Progressive | $89 | 26 | 43614 | Toyota Avalon Limited | State Minimum | No |
Do you need more than minimum coverage in Toledo?
It’s almost always a good idea to purchase more liability coverage than the state minimum.
If you total another driver’s car or cause serious injuries to someone, the costs could easily exceed Ohio’s minimum liability requirement. You could be found legally responsible for any medical bills and motor vehicle repairs that exceed your liability limits.
The bottom line: To better protect yourself, consider raising your liability limits to 50/100/50 or 100/300/100—it usually only costs a few extra dollars a month, and if you ever cause a serious accident, you’ll be glad you made the investment.
Cheapest full coverage car insurance quotes in Toledo
Liability insurance will only pay for damages that you cause to another car in an accident. If you want help repairing or replacing your own vehicle, consider investing in a full coverage policy.
Full coverage consists of collision insurance and comprehensive insurance:
- Collision coverage helps repair or replace your vehicle after an accident
- Comprehensive coverage pays to repair or replace your vehicle after theft, vandalism, natural disasters, or collisions with an animal
Need to know: You may be required to carry full coverage on your vehicle if you have a loan.
Your Toledo, Ohio auto insurance coverage will protect you even more if you purchase uninsured motorist coverage. This is a type of insurance that will protect you against medical bills or vehicle repairs if you get into an accident with a driver who doesn’t have car insurance.
Here is a list of real customers who found affordable car insurance in Ohio with Jerry.
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Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Bristol West | $317 | 23 | 43605 | Ford Ecosport Se | State Minimum | Yes |
| Progressive | $136 | 49 | 43609 | Jeep Patriot Latitude | State Minimum | Yes |
| Progressive | $62 | 44 | 43605 | Dodge Journey Crew | State Minimum | Yes |
| Bristol West | $627 | 40 | 43613 | Mazda 6 Grand Touring | State Minimum | Yes |
| Bristol West | $208 | 62 | 43607 | Chevrolet Hhr Lt | State Minimum | Yes |
Because insurance rates can vary so much from one provider to the next, the best way to find the cheapest car insurance companies in Toledo, Ohio is to compare quotes from at least 3–5 insurers.
Jerry is a unique insurance agency that makes it fast and easy to compare car insurance quotes with our free app. And our team of 100+ licensed insurance agents means you’ll always get top-tier service.
Average cost of auto insurance in Toledo, OH
In the process of helping drivers find cheap Toledo car insurance, we found that drivers pay about $109 a month (or $1,310 a year) for minimum liability coverage and around $122 a month (or $1,466 a year) for full coverage insurance.
But while looking at average insurance rates can give you a general idea of what you might pay, there are a lot of factors that go into setting insurance premiums, including your vehicle, claims history, driving record, and more.
Average cost of car insurance in Toledo by ZIP code
Drivers who park their vehicles in one part of Toledo could pay different rates than drivers who park in another area of the city.
That’s because insurance companies may label certain areas as “high-risk” due to more frequent vehicle thefts or a higher number of insurance claims.
Car insurance quotes in Toledo by rating factors
There are a number of factors that can impact the cost of your insurance premium in Toledo, Ohio.
- Driving record/claims history: Accidents, tickets, and insurance claims on your record will cause your premiums to go up.
- Age: You’ll likely pay higher insurance rates if you’re under the age of 25.
- Vehicle: You’ll pay more for full coverage if you drive an expensive vehicle, a high-performance sports car, or a car with higher-than-average theft rates.
- Where you keep your car: If you live in an area with a higher-than-average rate of insurance claims, you’ll pay more for your car insurance premiums.
- Driving habits: If you commute for work, you may pay higher car insurance rates than if you only drive your vehicle for leisure.
Cheap car insurance quotes in Toledo after driving violations
One of the biggest factors impacting your Toledo car insurance rates is your Ohio driving record. Your premiums will be higher if you have a history of violations because insurance companies will see you as a high-risk driver.
You may pay increased Toledo, Ohio car insurance premiums for the following violations:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest insurance in Toledo, Ohio after a speeding ticket
If you get a speeding ticket in Toledo, your insurance rates could go up. But with Jerry, you may be able to save on your premiums even after a speeding ticket.
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Speeding Type
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Insurance Company
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Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Major | Bristol West | $627 | 40 | 43613 | Mazda 6 Grand Touring | State Minimum | Yes |
| Speeding Violation-Minor | Trexis | $83 | 39 | 43608 | Ford F-150 Supercrew | State Minimum | No |
| Speeding Violation-Minor | Bristol West | $134 | 36 | 43620 | Honda Element Dx | State Minimum | No |
| Speeding Violation-Major | Dairyland | $671 | 31 | 43613 | Nissan Pathfinder Platinum | State Minimum | Yes |
| Speeding 11-15 | National General | $203 | 28 | 43609 | Chevrolet Malibu L | 50/100 | No |
Cheapest car insurance in Toledo after DUI
A DUI violation is a serious offense. In addition to the legal penalties you’ll face, you can also expect a significant increase in your Ohio car insurance.
It can be hard to find cheap car insurance in Ohio if you have a DUI on your record. But some companies do offer savings for high-risk drivers—compare quotes from a number of insurers to find the most affordable policy options.
Jerry has helped Toledo drivers with a DUI on their record find cheap insurance.
Cheapest car insurance in Toledo after an at-fault accident
If you were found to be at fault for an accident, your car insurance costs could skyrocket.
With Jerry, Toledo drivers can save on their car insurance even after an at-fault accident.
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Accident type
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Insurance Company
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Premium (monthly)
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Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | Commonwealth Insurance | $159 | 23 | 43611 | Volkswagen Jetta Base | State Minimum | No |
| Not At Fault | Bristol West | $627 | 40 | 43613 | Mazda 6 Grand Touring | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $208 | 62 | 43607 | Chevrolet Hhr Lt | State Minimum | Yes |
| At Fault With No Injury | Clearcover | $971 | 43 | 43606 | Lexus Is 300 | State Minimum | Yes |
| Not At Fault | National General | $358 | 41 | 43608 | Ford Fusion Se | State Minimum | Yes |
Cheapest car insurance in Toledo after other driving violations
Speeding tickets and DUIs aren’t the only violations that can cause your Toledo car insurance rates to go up—you’ll also see higher premiums if your driving history shows a record of offenses like reckless driving, driving on a suspended license, or driving without insurance.
This list shows how Jerry helped drivers save after various driving violations.
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Violation
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Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Careless Driving | Commonwealth Insurance | $159 | 23 | 43611 | Volkswagen Jetta Base | State Minimum | No |
| Other Minor | Bristol West | $208 | 62 | 43607 | Chevrolet Hhr Lt | State Minimum | Yes |
| DUI | Clearcover | $971 | 43 | 43606 | Lexus Is 300 | State Minimum | Yes |
| Failure to Obey Signal | Progressive | $293 | 33 | 43612 | Kia Forte Ex | State Minimum | Yes |
| Suspension | Progressive | $208 | 22 | 43615 | Chevrolet Impala Lt | State Minimum | No |
Cheap car insurance quotes in Toledo by age
Less experience behind the wheel means that younger drivers usually pay higher-than-average insurance rates. Drivers under the age of 21 pay the highest rates, with costs leveling out at about age 25. Premiums will typically remain low until a driver reaches their mid-70s.
Cheapest car insurance in Toledo for young drivers
On average, teen drivers between the ages of 16 and 19 pay the highest insurance rates in Toledo.
The best way to keep car insurance costs low for teen drivers is to keep them on their parent’s policy. But don’t skip on coverage—because teens are statistically more likely to get into an accident, it’s a good idea to increase their liability limits, and full coverage is a must-have if they drive a newer car.
Cheapest car insurance in Toledo for senior drivers
Car insurance rates tend to be lowest for drivers throughout middle age, but they often go up again once drivers hit their mid-70s. Car insurance costs for seniors tend to be higher because drivers in this age group may be more likely to get into accidents, and they’re at an increased risk of serious injuries if they do get into a collision.
Cheap auto insurance quotes in Toledo based on insurance history
When insurers are setting your Toledo auto insurance rates, they’ll check whether your auto insurance policy has been continuously active. Letting your car insurance lapse—even for a short time—will typically cause your insurance premiums to go up.
Jerry can help you manage your policy so it’s easier to avoid a lapse in coverage. If you’re eligible, we’ll send you a reminder when your payment is due, and we can even alert you if your payment is late.
With Jerry, you can save on a new policy even if you’re currently uninsured or you’ve previously had an insurance lapse.
Cheap car insurance quotes in Toledo for drivers with bad credit
Insurance companies have found that drivers with poor credit scores have the highest rate of insurance claims. Because of that, insurers typically raise rates for drivers with a lower insurance-based credit score.
If your car insurance rates are high due to poor credit, taking steps now to achieve a good credit score can help you save even more in the future.
Jerry’s data shows that people with Excellent credit (over 750) pay almost 20% less for car insurance on average than people with lower credit scores.
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Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 550-659 | Commonwealth Insurance | $159 | Christine, 23, Toledo, OH | Volkswagen Jetta Base | State Minimum | No |
| 550-659 | Bristol West | $75 | Lulu, 35, Toledo, OH | Jeep Renegade Limited | State Minimum | No |
| 660-750 | Progressive | $176 | Henrietta, 33, Toledo, OH | Honda Accord Lx | State Minimum | No |
| 550-659 | Bristol West | $317 | Essie, 23, Toledo, OH | Ford Ecosport Se | State Minimum | Yes |
| 750+ | Progressive | $89 | Ella, 26, Toledo, OH | Toyota Avalon Limited | State Minimum | No |
Cheap car insurance quotes in Toledo for popular cars
Insurance companies in Toledo will consider the car you drive when they’re setting your car insurance premiums. They’ll look at things like the cost to repair or replace your vehicle, how safe the vehicle is to drive, and how frequently that make and model is stolen.
Some of the most popular car models in Toledo include:
- Ford F-150
- Chevrolet Equinox
- Chevrolet Silverado 1500
- Ram 1500
- Ford Escape
Learn more: How to get car insurance before buying a car
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Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Ford F-150 Supercrew | Trexis | $83 | 39 | 43608 | State Minimum | No |
| Ford Escape Xlt | Progressive | $100 | 29 | 43614 | State Minimum | Yes |
| Chevrolet Equinox Lt | Dairyland | $382 | 24 | 43607 | 50/100 | Yes |
| Chevrolet Equinox Lt | The General | $401 | 36 | 43613 | State Minimum | Yes |
| Ford Escape S | Dairyland | $194 | 35 | 43605 | State Minimum | No |
How to lower car insurance costs in Toledo
1. Shop around and compare quotes
Every insurance company has its own way of calculating premiums based on the ratings factors discussed above. Because of that, you could pay a lot more with one insurance company than another, which is why experts recommend comparing quotes from at least 3–5 insurers before you buy a policy. You should also check for new rates every six months before your policy renews.
That might sound like a lot of work, but with Jerry, it’s fast and easy. We compare rates from over 55 auto insurance companies, and in minutes, you can compare coverage levels and rates right in the app.
2. Hunt for car insurance discounts
Car insurance discounts are an easy way to save on your policy, and every insurance company offers them. Many insurers offer some or all of the following:
- Good driver discounts. Avoiding tickets and at-fault accidents could help you qualify for a discount from your provider.
- Telematics discounts. Many companies offer discounts to customers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. If you’re a full-time student in either high school or college and you have a B average or better, you probably qualify for a discount from your insurance company.
- Bundling discounts. If you bundle your auto insurance with your homeowners insurance or renters insurance, you could get a discount on both policies.
Learn more: 11 ways to lower car insurance
3. Increase your deductible for comprehensive and collision coverage
You may be able to lower the monthly cost of your full-coverage policy by increasing your deductible. Just make sure to choose a deductible you can realistically expect to pay on short notice if you need to file a claim.
FAQ
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
