Compare Rates and Save on Auto Insurance

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The most suitable insurance company for your needs depends on your driving history and preferences. Erie is the most affordable for full and minimum coverage policies. It is also our pick for those with a speeding ticket and an an accident. Nationwide offers the best coverage for teen drivers, USAA for veterans and American Family if you have a DUI record.

Our findings indicate Cincinnati Insurance is the best overall with the highest customer service ratings and also the best cheap option for most drivers.

MoneyGeek Logo IconCheapest + BestCar InsuranceToledo
2023

Cheapest and Best Car Insurance in Toledo, OH

Cheapest Minimum Liability Car Insurance in Toledo

Out of the 13 companies we analyzed, the following insurers offer the cheapest minimum coverage rates in Toledo:

  • Erie: $208 per year
  • Progressive: $276 per year

With an average yearly cost of $3,018, the highest-priced auto insurance carrier in Toledo is State Farm. Nationwide has the lowest-priced auto insurance in Ohio at an average of $226 per year as of October 2022. The cheapest option and your premium amount will vary based on where you live in the state.

Company
Annual Premium
Monthly Premium

Erie

$204

$17

Erie

$208

$17

Progressive

$256

$21

Erie

$263

$22

Progressive

$276

$23

Auto-Owners Insurance Co

$280

$23

Auto-Owners Insurance Co

$282

$23

Nationwide

$285

$24

Nationwide

$297

$25

American Family

$309

$26

American Family

$310

$26

American Family

$317

$26

Grange Insurance

$323

$27

Grange Insurance

$331

$28

Progressive

$347

$29

Grange Insurance

$364

$30

Nationwide

$371

$31

GEICO

$387

$32

Auto-Owners Insurance Co

$399

$33

Cincinnati Insurance

$402

$33

Cincinnati Insurance

$419

$35

Travelers

$421

$35

Westfield

$428

$36

GEICO

$442

$37

Travelers

$449

$37

Westfield

$471

$39

Travelers

$479

$40

Cincinnati Insurance

$496

$41

Westfield

$502

$42

GEICO

$506

$42

Farmers

$530

$44

Erie

$542

$45

Nationwide

$545

$45

Farmers

$551

$46

Erie

$554

$46

American Family

$580

$48

Allstate

$587

$49

Nationwide

$589

$49

Allstate

$601

$50

Auto-Owners Insurance Co

$605

$50

American Family

$620

$52

Farmers

$626

$52

Auto-Owners Insurance Co

$631

$53

American Family

$640

$53

Grange Insurance

$671

$56

Allstate

$673

$56

Erie

$700

$58

Nationwide

$716

$60

Progressive

$722

$60

Grange Insurance

$732

$61

GEICO

$739

$62

GEICO

$787

$66

Progressive

$795

$66

Grange Insurance

$814

$68

Travelers

$838

$70

Travelers

$842

$70

Cincinnati Insurance

$869

$72

Farmers

$880

$73

Farmers

$901

$75

Auto-Owners Insurance Co

$912

$76

Westfield

$918

$77

Allstate

$922

$77

Westfield

$932

$78

Cincinnati Insurance

$945

$79

Allstate

$969

$81

Travelers

$996

$83

GEICO

$1,002

$84

Progressive

$1,024

$85

Farmers

$1,082

$90

Cincinnati Insurance

$1,149

$96

Westfield

$1,179

$98

Allstate

$1,182

$98

State Farm

$2,841

$237

State Farm

$3,018

$252

State Farm

$3,679

$307

State Farm

$4,069

$339

State Farm

$4,345

$362

State Farm

$5,481

$457

The minimum liability policy limits in Toledo comply with Ohio’s law. Your policy should cover damage to personal property and bodily injury and have the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Minimum auto insurance policies cover third-party damage and injury not exceeding the stipulated limits. For instance, if bodily injury costs from an accident are $75,000, the insurer pays $50,000 and you are responsible for the balance.

Cheapest Full Coverage Car Insurance in Toledo

The following are MoneyGeek’s picks for the best full coverage auto insurance companies:

  • Erie: $554 per year
  • Nationwide: $589 per year

The lowest-priced full coverage auto insurance provider in Ohio is Nationwide, with a yearly average cost of $485 as of October 2022. State Farm has the most expensive insurance premium for full coverage at $4,345 per year.

Company
Annual Premium
Monthly Premium

Erie

$204

$17

Erie

$208

$17

Progressive

$256

$21

Erie

$263

$22

Progressive

$276

$23

Auto-Owners Insurance Co

$280

$23

Auto-Owners Insurance Co

$282

$23

Nationwide

$285

$24

Nationwide

$297

$25

American Family

$309

$26

American Family

$310

$26

American Family

$317

$26

Grange Insurance

$323

$27

Grange Insurance

$331

$28

Progressive

$347

$29

Grange Insurance

$364

$30

Nationwide

$371

$31

GEICO

$387

$32

Auto-Owners Insurance Co

$399

$33

Cincinnati Insurance

$402

$33

Cincinnati Insurance

$419

$35

Travelers

$421

$35

Westfield

$428

$36

GEICO

$442

$37

Travelers

$449

$37

Westfield

$471

$39

Travelers

$479

$40

Cincinnati Insurance

$496

$41

Westfield

$502

$42

GEICO

$506

$42

Farmers

$530

$44

Erie

$542

$45

Nationwide

$545

$45

Farmers

$551

$46

Erie

$554

$46

American Family

$580

$48

Allstate

$587

$49

Nationwide

$589

$49

Allstate

$601

$50

Auto-Owners Insurance Co

$605

$50

American Family

$620

$52

Farmers

$626

$52

Auto-Owners Insurance Co

$631

$53

American Family

$640

$53

Grange Insurance

$671

$56

Allstate

$673

$56

Erie

$700

$58

Nationwide

$716

$60

Progressive

$722

$60

Grange Insurance

$732

$61

GEICO

$739

$62

GEICO

$787

$66

Progressive

$795

$66

Grange Insurance

$814

$68

Travelers

$838

$70

Travelers

$842

$70

Cincinnati Insurance

$869

$72

Farmers

$880

$73

Farmers

$901

$75

Auto-Owners Insurance Co

$912

$76

Westfield

$918

$77

Allstate

$922

$77

Westfield

$932

$78

Cincinnati Insurance

$945

$79

Allstate

$969

$81

Travelers

$996

$83

GEICO

$1,002

$84

Progressive

$1,024

$85

Farmers

$1,082

$90

Cincinnati Insurance

$1,149

$96

Westfield

$1,179

$98

Allstate

$1,182

$98

State Farm

$2,841

$237

State Farm

$3,018

$252

State Farm

$3,679

$307

State Farm

$4,069

$339

State Farm

$4,345

$362

State Farm

$5,481

$457

A full coverage policy protects you from paying huge amounts out of pocket in case of injury or vehicle damage during an accident. Full coverage policies include:

  • Comprehensive Insurance: Pays for car damage due to non-collision incidents like theft, fires and harsh weather conditions.
  • Collision Insurance: Pays for damages from collisions with objects and other cars.

Although a full coverage policy provides more protection, it may not be cost-effective if you own an older car.

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Cheapest Car Insurance in Toledo After a Driving Offense

If you have a speeding ticket, DUI or an at-fault accident on your driving record, the following companies offer you the most affordable full coverage auto insurance policies in Toledo:

  • Speeding ticket: Erie ($607 per year)
  • At-fault accident: Erie ($765 per year)
  • DUI: American Family ($777 per year)

State Farm has the highest rates for these violations: $4,821 after a speeding ticket or DUI and $5,298 after an at-fault accident. Even the cheapest auto insurance will cost more if you have a violation on your record.

Company
Annual Premium
Monthly Premium

Erie

$225

$19

Erie

$231

$19

Auto-Owners Insurance Co

$280

$23

Auto-Owners Insurance Co

$282

$23

Erie

$292

$24

Erie

$298

$25

Erie

$301

$25

Progressive

$335

$28

Progressive

$352

$29

Progressive

$358

$30

Erie

$368

$31

Erie

$370

$31

Nationwide

$374

$31

Erie

$379

$32

Progressive

$381

$32

American Family

$387

$32

American Family

$387

$32

Nationwide

$389

$32

American Family

$391

$33

American Family

$391

$33

American Family

$394

$33

American Family

$394

$33

American Family

$394

$33

American Family

$398

$33

Auto-Owners Insurance Co

$399

$33

American Family

$401

$33

Progressive

$406

$34

Grange Insurance

$429

$36

Progressive

$432

$36

Auto-Owners Insurance Co

$436

$36

Grange Insurance

$439

$37

Auto-Owners Insurance Co

$440

$37

GEICO

$464

$39

Grange Insurance

$467

$39

Erie

$467

$39

Nationwide

$468

$39

Nationwide

$474

$40

Cincinnati Insurance

$475

$40

Grange Insurance

$478

$40

Nationwide

$493

$41

Cincinnati Insurance

$494

$41

Grange Insurance

$504

$42

Progressive

$509

$42

Westfield

$512

$43

Grange Insurance

$515

$43

Grange Insurance

$526

$44

Grange Insurance

$529

$44

GEICO

$534

$45

Progressive

$556

$46

Westfield

$564

$47

Travelers

$574

$48

Progressive

$577

$48

Grange Insurance

$582

$48

Cincinnati Insurance

$587

$49

Nationwide

$589

$49

Erie

$593

$49

Nationwide

$595

$50

GEICO

$598

$50

Westfield

$601

$50

Travelers

$602

$50

Auto-Owners Insurance Co

$605

$50

Erie

$607

$51

Travelers

$609

$51

Nationwide

$614

$51

Auto-Owners Insurance Co

$623

$52

GEICO

$623

$52

Auto-Owners Insurance Co

$629

$52

Auto-Owners Insurance Co

$631

$53

Auto-Owners Insurance Co

$633

$53

Travelers

$639

$53

Travelers

$658

$55

Farmers

$663

$55

Travelers

$686

$57

Allstate

$691

$58

Travelers

$702

$58

Nationwide

$707

$59

Nationwide

$708

$59

Allstate

$710

$59

Travelers

$719

$60

Farmers

$719

$60

Westfield

$725

$60

American Family

$730

$61

American Family

$730

$61

GEICO

$740

$62

Allstate

$747

$62

Cincinnati Insurance

$750

$62

American Family

$753

$63

Erie

$757

$63

Farmers

$759

$63

Nationwide

$759

$63

Farmers

$765

$64

Erie

$765

$64

Erie

$766

$64

Westfield

$768

$64

Allstate

$769

$64

American Family

$777

$65

American Family

$777

$65

Cincinnati Insurance

$780

$65

Travelers

$786

$66

American Family

$799

$67

American Family

$799

$67

Westfield

$799

$67

American Family

$799

$67

Allstate

$806

$67

Allstate

$811

$68

GEICO

$813

$68

American Family

$823

$69

Allstate

$836

$70

Farmers

$850

$71

Farmers

$861

$72

Farmers

$862

$72

Allstate

$878

$73

Nationwide

$890

$74

Nationwide

$896

$75

Auto-Owners Insurance Co

$899

$75

Auto-Owners Insurance Co

$912

$76

Auto-Owners Insurance Co

$915

$76

Erie

$918

$77

GEICO

$921

$77

Cincinnati Insurance

$927

$77

Erie

$927

$77

GEICO

$931

$78

Auto-Owners Insurance Co

$946

$79

Grange Insurance

$948

$79

Nationwide

$951

$79

Farmers

$953

$79

Allstate

$960

$80

Progressive

$960

$80

Farmers

$968

$81

Erie

$969

$81

Grange Insurance

$969

$81

Grange Insurance

$970

$81

Progressive

$972

$81

Grange Insurance

$982

$82

Cincinnati Insurance

$986

$82

GEICO

$1,000

$83

Cincinnati Insurance

$1,024

$85

Cincinnati Insurance

$1,025

$85

Progressive

$1,035

$86

Progressive

$1,052

$88

Grange Insurance

$1,056

$88

GEICO

$1,073

$89

Grange Insurance

$1,086

$90

Westfield

$1,099

$92

Nationwide

$1,110

$93

Nationwide

$1,115

$93

Cincinnati Insurance

$1,116

$93

Westfield

$1,116

$93

Allstate

$1,127

$94

GEICO

$1,127

$94

Farmers

$1,161

$97

Erie

$1,171

$98

Nationwide

$1,171

$98

Grange Insurance

$1,172

$98

Grange Insurance

$1,184

$99

Farmers

$1,185

$99

Allstate

$1,185

$99

Travelers

$1,196

$100

Progressive

$1,197

$100

GEICO

$1,215

$101

Cincinnati Insurance

$1,219

$102

GEICO

$1,238

$103

Allstate

$1,239

$103

Travelers

$1,252

$104

Travelers

$1,278

$107

Progressive

$1,279

$107

Farmers

$1,279

$107

Auto-Owners Insurance Co

$1,296

$108

Allstate

$1,304

$109

Travelers

$1,306

$109

Grange Insurance

$1,317

$110

Auto-Owners Insurance Co

$1,334

$111

Nationwide

$1,336

$111

Farmers

$1,337

$111

Farmers

$1,342

$112

Travelers

$1,345

$112

Allstate

$1,347

$112

Cincinnati Insurance

$1,357

$113

Travelers

$1,368

$114

GEICO

$1,368

$114

Auto-Owners Insurance Co

$1,376

$115

Progressive

$1,396

$116

Travelers

$1,400

$117

Westfield

$1,409

$117

Westfield

$1,413

$118

Allstate

$1,419

$118

Farmers

$1,432

$119

Westfield

$1,437

$120

Progressive

$1,445

$120

Westfield

$1,451

$121

Westfield

$1,452

$121

Farmers

$1,463

$122

Allstate

$1,467

$122

Westfield

$1,483

$124

Farmers

$1,497

$125

Travelers

$1,502

$125

Travelers

$1,525

$127

Cincinnati Insurance

$1,619

$135

Allstate

$1,622

$135

GEICO

$1,630

$136

Farmers

$1,632

$136

Progressive

$1,647

$137

Westfield

$1,698

$142

GEICO

$1,744

$145

Cincinnati Insurance

$1,763

$147

Allstate

$1,770

$147

Auto-Owners Insurance Co

$1,949

$162

GEICO

$2,003

$167

GEICO

$2,117

$176

Cincinnati Insurance

$2,127

$177

Cincinnati Insurance

$2,145

$179

Cincinnati Insurance

$2,315

$193

Westfield

$2,632

$219

Westfield

$2,647

$221

Cincinnati Insurance

$2,818

$235

Westfield

$2,894

$241

State Farm

$3,157

$263

State Farm

$3,157

$263

State Farm

$3,354

$279

State Farm

$3,354

$279

State Farm

$3,473

$289

State Farm

$3,690

$307

State Farm

$4,088

$341

State Farm

$4,088

$341

State Farm

$4,497

$375

State Farm

$4,516

$376

State Farm

$4,516

$376

State Farm

$4,821

$402

State Farm

$4,821

$402

State Farm

$4,963

$414

State Farm

$5,298

$442

State Farm

$6,083

$507

State Farm

$6,083

$507

State Farm

$6,685

$557

After a violation, auto insurance costs will increase relative to the seriousness of the offense. Generally, you will pay an average of $1,044 in Toledo for auto insurance with a clean record. A DUI increases the rate by about $636 per year, while a speeding ticket will increase the amount by about $214. Note that it is still possible to secure cheap auto insurance with a bad driving history if you shop around.

Cheapest Car Insurance in Toledo for Teens and Their Families

Out of the eight insurers we analyzed, the following offer the most affordable auto insurance if you’re adding a teen driver to your family policy in Toledo.

  • Nationwide: $1,195 per year for female teens, $1,392 per year for male teens
  • Allstate: $2,062 per year for female and male teens

State Farm offers the highest premium for teen drivers in Toledo, costing $13,794 for female teens and $17,654 for male teens. Because there’s a higher risk associated with insuring male teens, their auto insurance rates are often higher than those for female teenagers. However, the gender rate difference diminishes when people reach their early 20s.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$752

$1,279

Nationwide

$761

$1,392

Nationwide

$776

$1,743

Nationwide

$834

$2,042

Nationwide

$846

$1,439

Nationwide

$864

$1,627

Travelers

$894

$1,645

Nationwide

$901

$1,533

Nationwide

$908

$1,662

Nationwide

$918

$1,893

Nationwide

$966

$1,768

Travelers

$978

$1,728

Travelers

$1,013

$1,865

Travelers

$1,019

$2,068

Travelers

$1,046

$1,926

Nationwide

$1,109

$3,098

Travelers

$1,124

$1,987

Nationwide

$1,144

$3,677

Travelers

$1,162

$2,266

Travelers

$1,166

$2,386

Nationwide

$1,174

$2,639

Nationwide

$1,195

$3,923

Travelers

$1,213

$2,144

Nationwide

$1,220

$3,923

Auto-Owners Insurance Co

$1,247

$2,576

Auto-Owners Insurance Co

$1,267

$2,571

Nationwide

$1,285

$4,082

Auto-Owners Insurance Co

$1,318

$2,724

Allstate

$1,328

$2,584

Allstate

$1,328

$2,584

Nationwide

$1,332

$4,779

GEICO

$1,334

$2,085

Allstate

$1,341

$5,012

Allstate

$1,341

$5,012

Farmers

$1,345

$1,868

Nationwide

$1,352

$3,308

Allstate

$1,353

$2,061

Allstate

$1,353

$2,061

GEICO

$1,358

$2,858

Auto-Owners Insurance Co

$1,364

$2,768

Auto-Owners Insurance Co

$1,370

$3,130

GEICO

$1,371

$2,142

Travelers

$1,372

$2,675

GEICO

$1,373

$1,930

Travelers

$1,375

$2,668

Travelers

$1,380

$3,130

Farmers

$1,385

$1,965

Nationwide

$1,392

$5,103

GEICO

$1,396

$1,962

GEICO

$1,398

$2,614

Auto-Owners Insurance Co

$1,399

$2,891

Allstate

$1,409

$2,146

Allstate

$1,409

$2,146

Nationwide

$1,422

$5,103

GEICO

$1,441

$2,252

GEICO

$1,446

$2,557

Allstate

$1,447

$2,361

Allstate

$1,447

$2,361

Auto-Owners Insurance Co

$1,456

$3,437

Allstate

$1,474

$2,245

Allstate

$1,474

$2,245

Auto-Owners Insurance Co

$1,481

$3,840

GEICO

$1,482

$2,351

GEICO

$1,484

$2,085

Auto-Owners Insurance Co

$1,500

$3,044

Farmers

$1,513

$2,919

Auto-Owners Insurance Co

$1,548

$3,367

Allstate

$1,572

$3,487

Allstate

$1,572

$3,487

Travelers

$1,590

$3,933

Allstate

$1,596

$3,106

Allstate

$1,596

$3,106

Farmers

$1,621

$3,250

Progressive

$1,627

$1,853

Progressive

$1,629

$1,806

Progressive

$1,640

$2,434

Travelers

$1,652

$3,206

Travelers

$1,665

$3,823

Auto-Owners Insurance Co

$1,681

$3,658

Auto-Owners Insurance Co

$1,699

$4,062

GEICO

$1,699

$4,161

Auto-Owners Insurance Co

$1,706

$4,423

Auto-Owners Insurance Co

$1,711

$5,050

Farmers

$1,720

$2,696

GEICO

$1,762

$3,707

GEICO

$1,775

$3,885

Farmers

$1,777

$2,467

Progressive

$1,784

$1,978

Farmers

$1,815

$2,520

Progressive

$1,817

$2,070

Farmers

$1,827

$3,002

Progressive

$1,836

$2,255

Allstate

$1,846

$6,897

Allstate

$1,846

$6,897

Progressive

$1,846

$2,898

GEICO

$1,849

$3,457

Farmers

$1,854

$2,632

GEICO

$1,858

$5,608

Progressive

$1,895

$2,101

GEICO

$1,914

$5,273

Progressive

$1,922

$2,543

Farmers

$1,927

$4,388

Farmers

$1,952

$2,770

Progressive

$1,955

$6,058

Farmers

$1,979

$8,831

Travelers

$1,983

$4,889

Travelers

$1,983

$4,906

Farmers

$1,993

$3,846

Progressive

$2,011

$2,291

Farmers

$2,034

$4,766

Allstate

$2,062

$11,202

Allstate

$2,062

$11,202

Travelers

$2,077

$6,578

Farmers

$2,086

$9,505

Farmers

$2,102

$4,215

GEICO

$2,137

$6,449

Progressive

$2,152

$3,810

Progressive

$2,163

$7,197

Auto-Owners Insurance Co

$2,186

$4,559

Progressive

$2,208

$6,860

Progressive

$2,212

$6,854

GEICO

$2,231

$6,146

GEICO

$2,245

$8,275

Progressive

$2,249

$3,338

Farmers

$2,300

$10,263

Auto-Owners Insurance Co

$2,303

$5,836

Progressive

$2,377

$4,433

GEICO

$2,396

$8,383

Progressive

$2,403

$7,961

Auto-Owners Insurance Co

$2,410

$5,027

Farmers

$2,411

$10,985

Auto-Owners Insurance Co

$2,424

$5,579

Progressive

$2,437

$7,570

Progressive

$2,461

$3,863

Travelers

$2,516

$6,203

Farmers

$2,533

$14,824

Auto-Owners Insurance Co

$2,621

$7,423

Auto-Owners Insurance Co

$2,630

$6,664

Farmers

$2,649

$15,717

Travelers

$2,651

$8,521

State Farm

$6,634

$9,332

State Farm

$7,465

$10,501

State Farm

$7,617

$10,469

State Farm

$7,942

$13,216

State Farm

$8,274

$11,639

State Farm

$8,716

$14,519

State Farm

$8,717

$11,982

State Farm

$9,391

$15,628

State Farm

$9,862

$13,556

State Farm

$10,172

$16,945

State Farm

$10,173

$19,374

State Farm

$10,799

$17,584

State Farm

$11,848

$22,440

State Farm

$12,868

$20,954

State Farm

$12,874

$24,353

State Farm

$13,707

$25,961

State Farm

$13,794

$29,976

State Farm

$15,136

$28,305

State Farm

$17,579

$32,873

State Farm

$17,654

$37,862

Adding a teen to a family plan is more cost-saving than purchasing a separate policy. In Toledo, for instance, insuring a male teen costs about $5,355 per year, while adding them to a family plan will cost $2,828. That’s a difference of about $2,527 yearly. Families can save money by comparing quotes to find the most affordable auto insurance for teen drivers.

Cheapest Car Insurance in Toledo for Military Drivers

The following insurers offer the most affordable full coverage auto insurance for military personnel and their families:

  • USAA: $534 per year
  • Erie: $554 per year

With an average yearly cost of $208, Erie is the most affordable option in Toledo for drivers interested in minimum coverage. USAA provides exclusive policies to individuals with a military background. The insurer is the second cheapest for a minimum coverage policy, costing $218 per year.

Company
Annual Premium
Monthly Premium

Erie

$204

$17

Erie

$208

$17

USAA

$218

$18

USAA

$228

$19

Progressive

$256

$21

Erie

$263

$22

Progressive

$276

$23

Auto-Owners Insurance Co

$280

$23

Auto-Owners Insurance Co

$282

$23

USAA

$285

$24

Nationwide

$285

$24

Nationwide

$297

$25

American Family

$309

$26

American Family

$310

$26

American Family

$317

$26

Grange Insurance

$323

$27

Grange Insurance

$331

$28

Progressive

$347

$29

Grange Insurance

$364

$30

Nationwide

$371

$31

GEICO

$387

$32

Auto-Owners Insurance Co

$399

$33

Cincinnati Insurance

$402

$33

Cincinnati Insurance

$419

$35

Travelers

$421

$35

Westfield

$428

$36

GEICO

$442

$37

Travelers

$449

$37

Westfield

$471

$39

Travelers

$479

$40

Cincinnati Insurance

$496

$41

Westfield

$502

$42

GEICO

$506

$42

USAA

$518

$43

Farmers

$530

$44

USAA

$534

$45

Erie

$542

$45

Nationwide

$545

$45

Farmers

$551

$46

Erie

$554

$46

American Family

$580

$48

Allstate

$587

$49

Nationwide

$589

$49

Allstate

$601

$50

Auto-Owners Insurance Co

$605

$50

American Family

$620

$52

Farmers

$626

$52

Auto-Owners Insurance Co

$631

$53

American Family

$640

$53

Grange Insurance

$671

$56

Allstate

$673

$56

Erie

$700

$58

USAA

$702

$59

Nationwide

$716

$60

Progressive

$722

$60

Grange Insurance

$732

$61

GEICO

$739

$62

GEICO

$787

$66

Progressive

$795

$66

Grange Insurance

$814

$68

Travelers

$838

$70

Travelers

$842

$70

Cincinnati Insurance

$869

$72

Farmers

$880

$73

Farmers

$901

$75

Auto-Owners Insurance Co

$912

$76

Westfield

$918

$77

Allstate

$922

$77

Westfield

$932

$78

Cincinnati Insurance

$945

$79

Allstate

$969

$81

Travelers

$996

$83

GEICO

$1,002

$84

Progressive

$1,024

$85

Farmers

$1,082

$90

Cincinnati Insurance

$1,149

$96

Westfield

$1,179

$98

Allstate

$1,182

$98

State Farm

$2,841

$237

State Farm

$3,018

$252

State Farm

$3,679

$307

State Farm

$4,069

$339

State Farm

$4,345

$362

State Farm

$5,481

$457

How to Compare Cheap Toledo Car Insurance Quotes Online

To obtain an estimate of your auto insurance costs, you will need to compare several quotes based on your profile. Getting a quote from one insurer can take 15 minutes or longer. You will also need to provide a large amount of personal information. MoneyGeek’s insurance calculator can quickly estimate rates with just your driving history, age, car model and coverage needs.

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Best Car Insurance in Toledo: Summary

The following companies in Toledo made it on MoneyGeek's list of the best auto insurance providers:

  • Best overall: Cincinnati Insurance (MoneyGeek score of 85 out of 100)
  • Best for service: Cincinnati Insurance (MoneyGeek score of 74 out of 100)
  • Best cheap: Cincinnati Insurance (MoneyGeek score of 86 out of 100)

Our scoring system features different weightings for different categories. As such, the MoneyGeek score for an insurer may vary depending on the ranking category. Erie offers the best overall auto insurance in Ohio, scoring 85 out of 100, while USAA is one of the best if you have a military affiliation.

Best Overall Car Insurance in Toledo

Of the 12 companies we analyzed in Toledo, the following insurers provide the best overall auto insurance:

  • Cincinnati Insurance: MoneyGeek score of 85 out of 100 ($945 per year)
  • Erie: MoneyGeek score of 83 out of 100 ($554 per year)

Cincinnati Insurance took the top place as the leading provider of full coverage auto insurance overall for its excellent scores on claims, customer satisfaction and coverage options. USAA is also a great choice if you have a military affiliation, scoring 84 out of 100.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

Outstanding customer satisfaction

Second-best for claims experience

Offers glass deductible modification, airbag reinstallation, lock replacement and new car replacement coverage

cons

No accident forgiveness coverage

COMPANY HIGHLIGHTS

With the second-best claims management and top customer satisfaction scores, Cincinnati Insurance emerged as our overall top pick. The company also ranks well for coverage availability but is the third most expensive provider in Toledo.

Cincinnati Insurance offers a glass deductible modification add-on that waives the deductible for glass repairs after a covered loss. A unique coverage option from this insurer is airbag replacement, which pays the cost to replace your airbag if it accidentally deploys without an accident.

Cincinnati Insurance also pays up to $1,500 to replace your car locks if you notify the company within 72 hours of losing your keys. You can also purchase new car replacement coverage to ensure you get a brand-new vehicle if your car is totaled in a covered incident.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Car Insurance in Toledo for Customer Service

To identify the best insurers for customer excellence, we weighted all factors except affordability. Our top picks for insurers offering the best customer service in Toledo are:

  • Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($945 per year)
  • Erie: MoneyGeek score of 70 out of 100 ($554 per year)

While Cincinnati Insurance rates the highest for service quality, it is the city’s third-most expensive, so policyholders are paying more for good customer service.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

Ranked top for customer satisfaction

Third-best claims rating

Offers a safety restraint benefit

Provides child safety seat replacement, general deductible waiver and classic car insurance

cons

Third most expensive company in the city

Lacks deductible modification and rideshare insurance

COMPANY HIGHLIGHTS

With high satisfaction, claims experience and coverage availability scores, Cincinnati Insurance is our recommendation for drivers who want the best customer experience.

The company offers to double your medical payments coverage limit if you or your passenger is injured while wearing a manufacturer-installed seat belt. This coverage also applies if you use a child’s safety restraining seat. Your policy must have medical payments coverage to be eligible. Cincinnati Insurance will also cover an installed child’s safety seat if it’s damaged during a covered incident.

Cincinnati Insurance’s general deductible waiver eliminates any applicable deductible if your car gets totaled due to a covered collision or non-collision loss. In addition, those with classic cars may find the insurer’s Capstone Collector Auto Coverage attractive.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Cheap Car Insurance in Toledo

MoneyGeek reviewed 13 minimum coverage car insurance providers and found that the following offer the best cheap coverage based on affordability and service quality:

  • Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($419 per year)
  • Erie: MoneyGeek score of 84 out of 100 ($208 per year)

Although you pay the lowest premium for a minimum coverage policy in Toledo, you are likely to pay more out of pocket if you are involved in an accident where liability costs exceed your policy limits.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

An affordable minimum coverage policy costs $419 per year

Highest customer satisfaction score

Second-best for claims handling

Offers bundling, multi-car, airbag and anti-lock brakes discounts

cons

No distant student, defensive driving, paperless and driver’s education discounts

COMPANY HIGHLIGHTS

Cincinnati Insurance has the best cheap auto insurance in Toledo, costing an average of $419 for a minimum coverage policy. The insurer is the best for customer service and ranks third in claims management. It also offers an array of discounts to help customers save on auto insurance premiums.

Discounts from Cincinnati Insurance apply to any driver regardless of their driving history. Some standard discounts available with this insurer include safe driving, bundling, good student and multiple car discounts. You qualify for a bundling discount if you insure your car and home at Cincinnati Insurance. The multiple-vehicle discount applies if you lease or own several vehicles and insure them on the same policy. Safe driving benefits are for those who remain accident-free over time. Cincinnati Insurance also offers policyholders a discount for having anti-lock brakes.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Average Cost of Car Insurance in Toledo

Various factors, including your location, influence how much you pay for an auto insurance policy. As of October 2022, the average yearly auto insurance cost in Toledo is $1,044, exceeding Ohio's average car insurance cost by $112. Toledo's average is cheaper than the national average by $221. The rates in this study represent full coverage auto insurance with $100,000 as bodily injury liability per person, up to $300,000 per accident, and $100,000 per person for property damage liability.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.