Cheapest Car Insurance In Toledo, OH 2025
The lowest minimum coverage rates in Toledo come from GEICO, with an average cost of $37 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, GEICO is the clear winner. Progressive offers the best value for full coverage, and State Farm leads with the lowest rates for young drivers.
Cheapest Car Insurance Companies In Toledo, OH 2025
Cheapest Liability-only Car Insurance In Toledo: Kemper
GEICO leads in affordability for minimum coverage car insurance in Toledo, charging an average of $37 per month.
Use the chart below to easily compare rates from different car insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $32 | $384 |
| American Family | $46 | $552 |
| GEICO | $57 | $684 |
| State Farm | $74 | $888 |
| Progressive | $38 | $456 |
Cheapest Full Coverage Insurance Rates In Toledo: Kemper
Progressive provides Toledo’s lowest rates for full coverage car insurance, with quotes averaging $92 a month.
The following table outlines average auto insurance rates from low-cost providers in Toledo.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $58 | $696 |
| American Family | $86 | $1,032 |
| GEICO | $119 | $1,428 |
| Erie | $90 | $1,080 |
| State Farm | $132 | $1,584 |
Cheapest Car Insurance Rates For Seniors: Progressive
The lowest car insurance rates for seniors in Toledo come from State Farm, with monthly premiums averaging $87.
The table shows a breakdown of average quotes from the lowest-cost auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $51 | $612 |
| American Family | $72 | 864 |
| GEICO | $93 | $1,116 |
| Erie | $67 | $804 |
| State Farm | $92 | $1,104 |
Cheapest Rates In Toledo For Teenagers: GEICO
The lowest car insurance rates for teens in Toledo come from State Farm, with average premiums of $313 per month.
The table provides a breakdown of the lowest car insurance rates available for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $116 | $1,392 |
| State Farm | $257 | $3,084 |
| Allstate | $167 | $2,004 |
| Travelers | $290 | $3,480 |
| Progressive | $125 | $1,500 |
Cheapest Auto Insurance For Young Adults in Toledo: Kemper
The most budget-friendly car insurance for young adults in Toledo is from State Farm, with average rates of $238 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 |
| Kemper | $54 | $648 |
| American Family | $83 | $996 |
| GEICO | $95 | $1,140 |
| Erie | $88 | $1,056 |
| State Farm | $117 | $1,404 |
Cheapest Car Insurance In Toledo For Good Drivers: Kemper
GEICO offers Toledo’s lowest car insurance rates for good drivers, with average quotes of about $37 monthly.
The table below compares average car insurance quotes from the most affordable providers for safe drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $32 | $384 |
| American Family | $46 | $552 |
| GEICO | $57 | $684 |
| State Farm | $74 | $888 |
| Progressive | $38 | $456 |
Find affordable Toledo rates
Cheapest Car Insurance In Toledo After A Speeding Ticket: Kemper
Drivers with a speeding violation can get affordable coverage from State Farm in Toledo, with average monthly rates of $176.
The following table shows average insurance costs for drivers with a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $68 | $816 |
| American Family | $88 | $1,056 |
| Progressive | $69 | $828 |
| GEICO | $136 | $1,632 |
| Erie | $113 | $1,356 |
Cheapest For Drivers With After At-Fault Accident: Progressive
With average premiums of $193 per month, State Farm 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 |
| Progressive | $62 | $744 |
| American Family | $109 | $1,308 |
| Kemper | $76 | $912 |
| GEICO | $136 | $1,632 |
| Erie | $90 | $1,080 |
Cheapest Rates In Toledo For Drivers After A DUI: Kemper
With average rates of $188 per month, State Farm 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 |
| Kemper | $77 | $924 |
| American Family | $104 | $1,248 |
| Progressive | $78 | $936 |
| State Farm | $146 | $1,752 |
| Erie | $151 | $1,812 |
Best Car Insurance Companies In Toledo
Toledo drivers will find AAA the cheapest option at $83 per month, with Progressive and GEICO offering competitive rates of $90 and $93.
Below is a list of Toledo, OH top 10 car insurance companies, ordered by their average monthly rates.
| Company | Monthly Premium |
| Kemper | $32 |
| American Family | $46 |
| GEICO | $57 |
| State Farm | $74 |
| Progressive | $38 |
| Erie | $50 |
| Chubb | $76 |
| CSAA | $102 |
| Liberty Mutual | $180 |
| Safeco | $144 |
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 $7,599.
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 | $2,880 |
| 20s | $1,740 |
| 30s | $1,380 |
| 40s | $1,200 |
| 50s | $1,020 |
| 60s | $1,140 |
| 70s | $1,260 |
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 |
| 2018 Kia Soul | $310 |
| 2011 Chevrolet Silverado | $50 |
| 2009 Volkswagen Tiguan | $205 |
| 2023 Nissan Rogue | $60 |
| 2007 Chevrolet Malibu | $55 |
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 |
| 43607 | $120 |
| 43315 | $80 |
| 43605 | $95 |
| 43604 | $110 |
| 43606 | $125 |
How Much Is Car Insurance In Other Cities in New York?
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 $243 per month in Los Angeles, but only $176 per month in San Diego.
| 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 GEICO for minimum coverage and from Progressive 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 $180 per month, but your final rate will depend on factors like ZIP code, car model, and driving history.
