Drivers in Toledo deal with lake-effect snow in the winter, heavy rain in the spring, and congestion on routes like Interstate 75 and the Ohio Turnpike. Industrial traffic and frequent construction can add to the challenge. Whether you’re heading out to a Mud Hens game or grabbing a famous Hungarian hot dog at Tony Packo’s, it’s best to navigate Toledo with a robust car insurance policy.
We’ve gathered auto insurance quote data from Jerry customers in Toledo to show you how your age, driving history and desired coverage can affect your rate.
Cheapest minimum coverage insurance in Toledo
Ohio requires drivers to have the following minimum coverages:
- $25,000 in bodily injury liability per person injured in an accident.
- $50,000 for all people injured in one accident.
- $25,000 for damage to other peoples’ property.
Check out the cheapest quotes for minimum coverage in Toledo, based on Jerry’s customer data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $40 | $474 | Progressive | 67 | November 18, 2024 | Toledo, OH | 43620 |
| $41 | $494 | Progressive | 76 | February 1, 2025 | Toledo, OH | 43612 |
| $41 | $494 | Trexis | 43 | June 3, 2024 | Toledo, OH | 43615 |
| $43 | $516 | Trexis | 42 | December 13, 2024 | Toledo, OH | 43611 |
| $43 | $520 | Trexis | 52 | April 22, 2024 | Toledo, OH | 43605 |
| $46 | $546 | Progressive | 45 | February 18, 2024 | Toledo, OH | 43617 |
| $46 | $550 | Commonwealth Insurance | 43 | October 18, 2023 | Toledo, OH | 43614 |
| $46 | $558 | Commonwealth Insurance | 46 | March 21, 2024 | Toledo, OH | 43605 |
| $47 | $568 | Trexis | 46 | March 21, 2024 | Toledo, OH | 43605 |
| $48 | $571 | Commonwealth Insurance | 43 | March 6, 2024 | Toledo, OH | 43614 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Toledo
Some hazards that threaten Toledo include flooding, winter weather and strong winds could damage your vehicle. If your vehicle is damaged by a natural disaster, minimum coverage won’t help you pay for repairs. However, full coverage, which combines collision and comprehensive insurances, can help you in those situations.
Here are the cheapest full coverage quotes that drivers in Toledo have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $40 | $474 | Progressive | 67 | November 18, 2024 | Toledo, OH | 43620 |
| $41 | $494 | Progressive | 76 | February 1, 2025 | Toledo, OH | 43612 |
| $69 | $822 | Progressive | 64 | January 24, 2025 | Toledo, OH | 43604 |
| $69 | $828 | Progressive | 26 | December 5, 2024 | Toledo, OH | 43615 |
| $72 | $859 | Safeco | 65 | March 19, 2024 | Toledo, OH | 43605 |
| $73 | $881 | Progressive | 45 | November 20, 2024 | Toledo, OH | 43605 |
| $79 | $946 | Progressive | 35 | January 25, 2025 | Toledo, OH | 43605 |
| $81 | $966 | National General | 42 | December 13, 2024 | Toledo, OH | 43611 |
| $82 | $980 | Progressive | 39 | October 12, 2024 | Toledo, OH | 43606 |
| $82 | $980 | National General | 35 | January 25, 2025 | Toledo, OH | 43605 |
Cheapest car insurance for young drivers in Toledo (18-29 years old)
Young drivers typically pay higher car insurance premiums because insurers view their lack of driving experience as a risk. Here are the cheapest quotes that young drivers in Toledo have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $69 | $828 | Progressive | 26 | Yes | December 5, 2024 | Toledo, OH | 43615 |
| $84 | $1,012 | Commonwealth Insurance | 25 | No | January 15, 2025 | Toledo, OH | 43611 |
| $86 | $1,030 | Progressive | 24 | No | December 8, 2024 | Toledo, OH | 43607 |
| $86 | $1,030 | Progressive | 24 | No | December 2, 2024 | Toledo, OH | 43607 |
| $86 | $1,030 | Progressive | 26 | Yes | August 21, 2024 | Toledo, OH | 43614 |
Cheapest car insurance for mature drivers in Toledo (30-54 years old)
Drivers between 30 and 54 years old can expect policy premiums to drop over time. During these years, it’s wise to regularly compare car insurance quotes and search for better rates. Here are the cheapest quotes that mature drivers in Toledo have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $494 | Trexis | 43 | No | June 3, 2024 | Toledo, OH | 43615 |
| $43 | $516 | Trexis | 42 | No | December 13, 2024 | Toledo, OH | 43611 |
| $43 | $520 | Trexis | 52 | No | April 22, 2024 | Toledo, OH | 43605 |
| $46 | $546 | Progressive | 45 | No | February 18, 2024 | Toledo, OH | 43617 |
| $46 | $550 | Commonwealth Insurance | 43 | No | October 18, 2023 | Toledo, OH | 43614 |
Cheapest car insurance for older drivers in Toledo (55+ years old)
Drivers who are older than 54 tend to pay the lowest policy premiums until they reach their 70s, when rates start increasing. Check out the cheapest quotes for older drivers in Toledo, based on Jerry data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $40 | $474 | Progressive | 67 | November 18, 2024 | Toledo, OH | 43620 | Yes |
| $41 | $494 | Progressive | 76 | February 1, 2025 | Toledo, OH | 43612 | Yes |
| $49 | $586 | Progressive | 63 | February 16, 2025 | Toledo, OH | 43613 | No |
| $50 | $596 | Commonwealth Insurance | 72 | February 8, 2025 | Toledo, OH | 43615 | No |
| $52 | $618 | Trexis | 63 | February 16, 2025 | Toledo, OH | 43613 | No |
Cheapest car insurance for drivers with clean records in Toledo
A driving record that’s clear of accidents, violations and claims can help ensure you get the lowest rate possible. Here are the cheapest quotes for drivers in Toledo who have spotless driving records, based on data from Jerry customers.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $40 | $474 | Progressive | 67 | November 18, 2024 | Yes | Toledo, OH | 43620 |
| $41 | $494 | Trexis | 43 | June 3, 2024 | No | Toledo, OH | 43615 |
| $43 | $516 | Trexis | 42 | December 13, 2024 | No | Toledo, OH | 43611 |
| $43 | $520 | Trexis | 52 | April 22, 2024 | No | Toledo, OH | 43605 |
| $46 | $546 | Progressive | 45 | February 18, 2024 | No | Toledo, OH | 43617 |
| $46 | $550 | Commonwealth Insurance | 43 | October 18, 2023 | No | Toledo, OH | 43614 |
| $46 | $558 | Commonwealth Insurance | 46 | March 21, 2024 | No | Toledo, OH | 43605 |
| $47 | $568 | Trexis | 46 | March 21, 2024 | No | Toledo, OH | 43605 |
| $48 | $571 | Commonwealth Insurance | 43 | March 6, 2024 | No | Toledo, OH | 43614 |
| $49 | $586 | Progressive | 63 | February 16, 2025 | No | Toledo, OH | 43613 |
Cheapest car insurance for drivers with low credit scores in Toledo
In Ohio, your credit score can affect your auto insurance premium, and a low score may lead to a higher premium. When your policy is near renewal, consider getting quotes from multiple insurers to find the lowest possible rate. Here are the cheapest quotes that drivers with credit scores below 550 have received via Jerry.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $41 | $494 | Trexis | 43 | June 3, 2024 | Toledo, OH | 43615 |
| <550 | $43 | $520 | Trexis | 52 | April 22, 2024 | Toledo, OH | 43605 |
| <550 | $46 | $550 | Commonwealth Insurance | 43 | October 18, 2023 | Toledo, OH | 43614 |
| <550 | $48 | $571 | Commonwealth Insurance | 43 | March 6, 2024 | Toledo, OH | 43614 |
| <550 | $49 | $586 | Progressive | 63 | February 16, 2025 | Toledo, OH | 43613 |
Cheapest car insurance for drivers with at-fault accidents in Toledo
Because an at-fault accident typically causes your insurance rates to rise, it’s wise to shop around for the best rate before your policy renews. Here are the cheapest quotes for drivers with at-fault accidents in Toledo, based on Jerry data.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $41 | $494 | Progressive | 76 | Yes | February 1, 2025 | Toledo, OH | 43612 |
| At Fault With No Injury | $53 | $634 | Progressive | 61 | No | June 5, 2024 | Toledo, OH | 43607 |
| At Fault With No Injury | $54 | $649 | Commonwealth Insurance | 32 | No | December 5, 2024 | Toledo, OH | 43614 |
| At Fault With No Injury | $54 | $654 | Commonwealth Insurance | 37 | No | January 1, 2025 | Toledo, OH | 43613 |
| At Fault With No Injury | $56 | $666 | Trexis | 47 | No | December 15, 2023 | Toledo, OH | 43612 |
Cheapest car insurance for drivers with speeding tickets in Toledo
Drivers with speeding tickets typically pay higher car insurance rates, but comparing quotes can help you find the cheapest rate possible. Here are the cheapest quotes for drivers with speeding tickets in Toledo, based on Jerry data.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $97 | $1,162 | Commonwealth Insurance | 39 | October 24, 2024 | Toledo, OH | 43606 |
| Speeding under 15 | $101 | $1,210 | Trexis | 40 | January 16, 2024 | Toledo, OH | 43614 |
| Speeding under 15 | $104 | $1,243 | Trexis | 39 | October 24, 2024 | Toledo, OH | 43606 |
| Speeding under 15 | $109 | $1,308 | Trexis | 37 | November 9, 2024 | Toledo, OH | 43620 |
| Speeding under 15 | $110 | $1,316 | Trexis | 37 | September 16, 2024 | Toledo, OH | 43620 |
Cheapest car insurance for drivers with DUIs in Toledo
A DUI citation typically causes your car insurance premium to rise, and some insurers will drop clients after they receive one. Here are the cheapest quotes for drivers with DUIs in Toledo, based on Jerry data.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $104 | $1,246 | Trexis | 33 | July 20, 2024 | Toledo, OH | 43607 |
| DUI | $120 | $1,445 | Dairyland | 33 | July 20, 2024 | Toledo, OH | 43607 |
| DUI | $123 | $1,472 | Progressive | 33 | July 20, 2024 | Toledo, OH | 43607 |
| DUI | $181 | $2,170 | Progressive | 41 | August 2, 2024 | Toledo, OH | 43615 |
| DUI | $305 | $3,656 | Commonwealth Insurance | 26 | February 12, 2025 | Toledo, OH | 43612 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.
