Cheap Car Insurance in Toledo, Ohio

Written by Xuyun Zeng and 1 other
Updated Feb 21, 2025
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Cheap Car Insurance in Toledo, Ohio

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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.
  • $50,000 in bodily injury liability per accident.
  • $25,000 for property damage liability.

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
$38 $452 Progressive 41 April 11, 2025 Toledo, OH 43608
$40 $474 Progressive 67 November 18, 2024 Toledo, OH 43620
$40 $484 Progressive 36 April 11, 2025 Toledo, OH 43620
$41 $494 Progressive 76 February 1, 2025 Toledo, OH 43612
$43 $520 Trexis 52 April 22, 2024 Toledo, OH 43605
$45 $540 Progressive 38 March 5, 2025 Toledo, OH 43604
$47 $559 Trexis 48 April 23, 2025 Toledo, OH 43613
$49 $583 Commonwealth Insurance 58 April 22, 2025 Toledo, OH 43611
$49 $586 Progressive 63 February 16, 2025 Toledo, OH 43613
$51 $611 Trexis 36 April 11, 2025 Toledo, OH 43620
Last Updated May 6, 2025

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.

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Cheapest full coverage insurance in Toledo

Some hazards that threaten Toledo include flooding, winter weather and strong winds all which could be problematic for 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
$45 $540 Progressive 38 March 5, 2025 Toledo, OH 43604
$53 $630 Progressive 36 April 20, 2025 Toledo, OH 43614
$63 $760 Progressive 36 April 21, 2025 Toledo, OH 43614
$69 $822 Progressive 64 January 24, 2025 Toledo, OH 43604
$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
$82 $980 National General 35 January 25, 2025 Toledo, OH 43605
Last Updated May 6, 2025

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
$78 $932 Commonwealth Insurance 28 No April 24, 2025 Toledo, OH 43606
$86 $1,030 Progressive 28 Yes September 30, 2024 Toledo, OH 43613
$86 $1,030 Progressive 24 No December 2, 2024 Toledo, OH 43607
$86 $1,030 Progressive 24 No December 8, 2024 Toledo, OH 43607
$87 $1,042 Commonwealth Insurance 28 No June 16, 2024 Toledo, OH 43615
Last Updated May 6, 2025

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
$38 $452 Progressive 41 No April 11, 2025 Toledo, OH 43608
$40 $484 Progressive 36 No April 11, 2025 Toledo, OH 43620
$43 $520 Trexis 52 No April 22, 2024 Toledo, OH 43605
$45 $540 Progressive 38 Yes March 5, 2025 Toledo, OH 43604
$47 $559 Trexis 48 No April 23, 2025 Toledo, OH 43613
Last Updated May 8, 2025

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 $583 Commonwealth Insurance 58 April 22, 2025 Toledo, OH 43611 No
$49 $586 Progressive 63 February 16, 2025 Toledo, OH 43613 No
$50 $596 Commonwealth Insurance 72 February 8, 2025 Toledo, OH 43615 No
Last Updated May 6, 2025

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
$38 $452 Progressive 41 April 11, 2025 No Toledo, OH 43608
$40 $474 Progressive 67 November 18, 2024 Yes Toledo, OH 43620
$40 $484 Progressive 36 April 11, 2025 No Toledo, OH 43620
$43 $520 Trexis 52 April 22, 2024 No Toledo, OH 43605
$45 $540 Progressive 38 March 5, 2025 Yes Toledo, OH 43604
$49 $586 Progressive 63 February 16, 2025 No Toledo, OH 43613
$50 $596 Commonwealth Insurance 72 February 8, 2025 No Toledo, OH 43615
$51 $611 Trexis 36 April 11, 2025 No Toledo, OH 43620
$52 $618 Trexis 63 February 16, 2025 No Toledo, OH 43613
$52 $628 Commonwealth Insurance 36 April 20, 2025 No Toledo, OH 43614
Last Updated May 6, 2025

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 $43 $520 Trexis 52 April 22, 2024 Toledo, OH 43605
<550 $47 $559 Trexis 48 April 23, 2025 Toledo, OH 43613
<550 $49 $586 Progressive 63 February 16, 2025 Toledo, OH 43613
<550 $52 $618 Trexis 63 February 16, 2025 Toledo, OH 43613
<550 $56 $666 Trexis 47 December 15, 2023 Toledo, OH 43612
Last Updated May 6, 2025

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 $638 Progressive 38 No February 25, 2025 Toledo, OH 43612
At Fault With No Injury $56 $666 Trexis 47 No December 15, 2023 Toledo, OH 43612
At Fault With No Injury $61 $728 Trexis 53 No July 24, 2024 Toledo, OH 43604
At Fault With No Injury $62 $739 Commonwealth Insurance 34 No March 8, 2025 Toledo, OH 43612
Last Updated May 6, 2025

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 over 15 $49 $583 Commonwealth Insurance 58 April 22, 2025 Toledo, OH 43611
Speeding over 15 $56 $674 Progressive 40 February 17, 2025 Toledo, OH 43609
Speeding under 15 $60 $722 Trexis 40 June 30, 2024 Toledo, OH 43614
Speeding under 15 $60 $722 Trexis 40 July 2, 2024 Toledo, OH 43614
Speeding under 15 $62 $742 Trexis 40 January 23, 2024 Toledo, OH 43614
Last Updated May 6, 2025

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 customers 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 $181 $2,170 Progressive 41 August 2, 2024 Toledo, OH 43615
DUI $305 $3,656 Commonwealth Insurance 26 February 12, 2025 Toledo, OH 43612
DUI $339 $4,065 Progressive 26 February 12, 2025 Toledo, OH 43612
DUI $395 $4,739 Trexis 26 February 12, 2025 Toledo, OH 43612
DUI $522 $6,268 Bristol West 26 February 12, 2025 Toledo, OH 43612
Last Updated May 7, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.