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
National General	$81	41	43611	Honda Accord Hybrid Sport	State Minimum	No
Progressive	$54	50	43604	Chrysler 300 Limited	State Minimum	No
Progressive	$73	34	43606	Chevrolet Silverado K1500	State Minimum	No
Commonwealth Insurance	$118	29	43615	Jeep Grand Cherokee Lared	State Minimum	No
National General	$145	34	43607	Nissan Juke Nismo	State Minimum	Yes

Last Updated Dec 17, 2024

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

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.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
National General	$81	41	43611	Honda Accord Hybrid Sport	State Minimum	No
Progressive	$54	50	43604	Chrysler 300 Limited	State Minimum	No
Progressive	$73	34	43606	Chevrolet Silverado K1500	State Minimum	No
Commonwealth Insurance	$118	29	43615	Jeep Grand Cherokee Lared	State Minimum	No
National General	$145	34	43607	Nissan Juke Nismo	State Minimum	Yes

Last Updated Dec 17, 2024

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.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
National General	$145	34	43607	Nissan Juke Nismo	State Minimum	Yes
Trexis	$335	24	43615	Chevrolet Malibu 2Lt	State Minimum	Yes
Progressive	$228	23	43607	Ford Ecosport Titanium	50/100	Yes
National General	$264	43	43606	Lexus Is 300	State Minimum	Yes
Bristol West	$442	22	43609	Chevrolet Cruze Lt	State Minimum	Yes

Last Updated Dec 16, 2024

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.

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Speeding Violation-Major	Progressive	$54	50	43604	Chrysler 300 Limited	State Minimum	No
Speeding Violation-Major	Trexis	$295	23	43605	Ford Fusion Se	State Minimum	No
Speeding Violation-Major	Trexis	$670	41	43614	Ford Fusion S Hybrid	State Minimum	Yes
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

Last Updated Dec 17, 2024

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.

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
At Fault With No Injury	National General	$264	43	43606	Lexus Is 300	State Minimum	Yes
Not At Fault	Bristol West	$442	22	43609	Chevrolet Cruze Lt	State Minimum	Yes
Not At Fault	Commonwealth Insurance	$139	43	43613	Dodge Nitro Slt	State Minimum	No
At Fault With No Injury	Trexis	$86	31	43614	Ford Escape Sel	State Minimum	No
Not At Fault	Trexis	$670	41	43614	Ford Fusion S Hybrid	State Minimum	Yes

Last Updated Dec, 2024

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.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Other Minor	Commonwealth Insurance	$118	29	43615	Jeep Grand Cherokee Lared	State Minimum	No
Failure to Obey Signal	Progressive	$228	23	43607	Ford Ecosport Titanium	50/100	Yes
DUI	National General	$264	43	43606	Lexus Is 300	State Minimum	Yes
Careless Driving	National General	$165	30	43605	Chrysler 300 Touring	State Minimum	No
Careless Driving	Commonwealth Insurance	$159	23	43611	Volkswagen Jetta Base	State Minimum	No

Last Updated Dec 17, 2024

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.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Liability Limits	Has Full Coverage
660-750	Progressive	$228	Lucile, 23, Toledo, OH	Ford Ecosport Titanium	50/100	Yes
Unknown	National General	$167	Lawrence, 26, Toledo, OH	Mercury Milan Premier	State Minimum	No
<550	National General	$264	Lenora, 43, Toledo, OH	Lexus Is 300	State Minimum	Yes
Unknown	Trexis	$295	David, 23, Toledo, OH	Ford Fusion Se	State Minimum	No
550-659	Bristol West	$442	Bertie, 22, Toledo, OH	Chevrolet Cruze Lt	State Minimum	Yes

Last Updated Dec, 2024

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

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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
Chevrolet Equinox Lt	Progressive	$89	53	43613	State Minimum	Yes
Ford Escape Sel	Trexis	$86	31	43614	State Minimum	No
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

Last Updated Dec 17, 2024

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.

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Learn more: 11 ways to lower car insurance

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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.