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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $30 | $354 | Geico | 54 | February 21, 2025 | Toledo, OH | 43614 |
| $36 | $433 | Dairyland | 43 | February 3, 2025 | Toledo, OH | 43604 |
| $38 | $456 | Bristol West | 54 | February 21, 2025 | Toledo, OH | 43614 |
| $39 | $465 | Progressive | 53 | July 21, 2025 | Toledo, OH | 43615 |
| $40 | $481 | Progressive | 54 | February 21, 2025 | Toledo, OH | 43614 |
| $41 | $489 | Progressive | 60 | May 24, 2025 | Toledo, OH | 43623 |
| $41 | $494 | Bristol West | 45 | March 10, 2025 | Toledo, OH | 43605 |
| $41 | $494 | Geico | 64 | June 2, 2025 | Toledo, OH | 43609 |
| $43 | $512 | Geico | 32 | May 24, 2025 | Toledo, OH | 43607 |
| $43 | $520 | Progressive | 46 | June 27, 2025 | Toledo, OH | 43611 |
If you have a loan or lease on your vehicle, the lender will require
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.
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Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $39 | $465 | Progressive | 53 | July 21, 2025 | Toledo, OH | 43615 |
| $40 | $481 | Progressive | 54 | February 21, 2025 | Toledo, OH | 43614 |
| $44 | $529 | Progressive | 41 | June 19, 2025 | Toledo, OH | 43614 |
| $46 | $553 | Progressive | 60 | May 24, 2025 | Toledo, OH | 43623 |
| $50 | $599 | Progressive | 46 | June 27, 2025 | Toledo, OH | 43611 |
| $52 | $625 | Progressive | 40 | June 18, 2025 | Toledo, OH | 43605 |
| $53 | $637 | Progressive | 43 | June 22, 2025 | Toledo, OH | 43611 |
| $54 | $644 | Progressive | 38 | June 14, 2025 | Toledo, OH | 43615 |
| $56 | $671 | Progressive | 25 | January 31, 2025 | Toledo, OH | 43614 |
| $59 | $705 | Progressive | 60 | March 27, 2025 | Toledo, OH | 43605 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $22 | $266 | Progressive | 25 | No | January 31, 2025 | Toledo, OH | 43614 |
| $37 | $438 | Progressive | 25 | No | March 24, 2025 | Toledo, OH | 43614 |
| $38 | $450 | Progressive | 23 | No | March 16, 2025 | Toledo, OH | 43614 |
| $39 | $470 | Geico | 29 | No | July 9, 2025 | Toledo, OH | 43607 |
| $45 | $544 | Geico | 22 | No | May 3, 2025 | Toledo, OH | 43607 |
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $23 | $280 | Progressive | 46 | No | June 27, 2025 | Toledo, OH | 43611 |
| $24 | $293 | Safeco | 41 | No | June 19, 2025 | Toledo, OH | 43614 |
| $27 | $322 | Geico | 34 | No | May 31, 2025 | Toledo, OH | 43613 |
| $27 | $324 | Progressive | 43 | No | June 21, 2025 | Toledo, OH | 43612 |
| $27 | $324 | Progressive | 43 | No | June 22, 2025 | Toledo, OH | 43611 |
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 Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $24 | $292 | Progressive | 55 | July 7, 2025 | Toledo, OH | 43606 | No |
| $25 | $294 | Progressive | 60 | May 24, 2025 | Toledo, OH | 43623 | No |
| $26 | $306 | Progressive | 59 | July 14, 2025 | Toledo, OH | 43605 | No |
| $26 | $312 | Progressive | 60 | March 27, 2025 | Toledo, OH | 43605 | No |
| $27 | $322 | Progressive | 62 | March 23, 2025 | Toledo, OH | 43615 | 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 Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $22 | $266 | Progressive | 25 | January 31, 2025 | No | Toledo, OH | 43614 |
| $23 | $280 | Progressive | 46 | June 27, 2025 | No | Toledo, OH | 43611 |
| $24 | $292 | Progressive | 55 | July 7, 2025 | No | Toledo, OH | 43606 |
| $24 | $293 | Safeco | 41 | June 19, 2025 | No | Toledo, OH | 43614 |
| $25 | $294 | Progressive | 60 | May 24, 2025 | No | Toledo, OH | 43623 |
| $26 | $306 | Progressive | 59 | July 14, 2025 | No | Toledo, OH | 43605 |
| $26 | $312 | Progressive | 60 | March 27, 2025 | No | Toledo, OH | 43605 |
| $27 | $322 | Geico | 34 | May 31, 2025 | No | Toledo, OH | 43613 |
| $27 | $322 | Progressive | 62 | March 23, 2025 | No | Toledo, OH | 43615 |
| $27 | $324 | Progressive | 43 | June 21, 2025 | No | Toledo, OH | 43612 |
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.
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Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
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 | $53 | $634 | Progressive | 61 | No | June 5, 2024 | Toledo, OH | 43607 |
| At Fault With No Injury | $53 | $638 | Progressive | 38 | No | February 25, 2025 | Toledo, OH | 43612 |
| At Fault With No Injury | $54 | $649 | Commonwealth Insurance | 32 | No | December 5, 2024 | Toledo, OH | 43614 |
| 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 |
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 | $41 | $490 | Progressive | 42 | March 20, 2025 | Toledo, OH | 43612 |
| Speeding under 15 | $48 | $580 | Progressive | 42 | March 21, 2025 | Toledo, OH | 43612 |
| Speeding under 15 | $49 | $583 | Commonwealth Insurance | 58 | April 22, 2025 | Toledo, OH | 43611 |
| Speeding under 15 | $56 | $675 | Commonwealth Insurance | 27 | June 17, 2025 | Toledo, OH | 43612 |
| Speeding under 15 | $60 | $722 | Trexis | 40 | June 30, 2024 | Toledo, OH | 43614 |
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 | $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 |
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.
