For a 40-year-old driver with a clean record, Toledo car insurance averages about $150 a month ($1,805 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 9% above the Ohio average of $137 a month. Progressive has the lowest full-coverage average of the four major insurers we compared (Allstate, Erie, GEICO and Progressive), at about $105 a month.
Toledo costs more to insure than most of northwest Ohio. Our benchmark driver pays about $13 a month more here than the state average, while nearby suburbs such as Maumee average about $124 a month.
Our data covers 13 ZIP codes with a Toledo mailing address. They range from about $137 a month in 43617 to $165 in 43608.
Cost data comes from the auto rates insurers file with state regulators, priced across all 13 Toledo ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Toledo, OH?
Full coverage in Toledo averages $1,805 a year, or about $150 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $539 a year ($45 a month), and 50/100/50 liability with comprehensive and collision averages $1,798 ($150 a month).
- Full coverage (100/300/100, $500 deductibles): $1,805 a year ($150 a month)
- 50/100/50 with $500 deductibles: $1,798 a year ($150 a month)
- Liability only (15/30/10): $539 a year ($45 a month)
- Lucas County: $1,709 a year ($142 a month) for full coverage
- Ohio average: $1,638 a year ($137 a month) for full coverage
- ZIP code range: $137 (43617) to $165 (43608) a month for full coverage
Cheap Car Insurance in Toledo: Companies Compared
- Lowest average in our data, full coverage: Progressive, at about $105 a month ($1,264 a year).
- Next lowest: Erie, at about $130 a month, then GEICO at $143.
- Lowest liability-only average among the four major insurers we compared (15/30/10): Progressive, at about $29 a month, then Erie at $33.
- State Farm (Nov. 2025 rates)*: about $135 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $95 a month, Grange at $117, Auto-Owners at $151, Westfield at $166 and Travelers at $210 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $223 a month, $1,409 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the four insurers in our Toledo rate data. The published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA, which sells only to military families; others put Travelers or Auto-Owners first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among these four insurers, at about $29 a month, followed by Erie at $33.
Full-coverage averages by insurer in Toledo
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $353 | $29 | $1,264 | $105 |
| Erie | $400 | $33 | $1,562 | $130 |
| GEICO | $548 | $46 | $1,719 | $143 |
| Allstate | $856 | $71 | $2,673 | $223 |
| State Farm (Nov. 2025 rates)* | $467 | $39 | $1,619 | $135 |
| USAA (military families)* | $299 | $25 | $1,137 | $95 |
| Grange Insurance* | $304 | $25 | $1,407 | $117 |
| Auto-Owners* | $423 | $35 | $1,814 | $151 |
| Westfield* | $434 | $36 | $1,992 | $166 |
| Travelers* | $771 | $64 | $2,520 | $210 |
| Toledo average | $539 | $45 | $1,805 | $150 |
This table uses Toledo ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Toledo Car Insurance Rates by ZIP Code
Across the 13 Toledo ZIP codes we price, full coverage for our driver ranges from about $137 a month in 43617 to $165 in 43608, a gap of $333 a year. West-side ZIP codes such as 43615, 43617 and 43623 are the least expensive in our data, and ZIP codes downtown and just north of it, such as 43604 and 43608, are the most expensive.
Lowest-priced Toledo ZIP codes
Highest-priced Toledo ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Toledo’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 43604 | $568 | $47 | $1,918 | $160 | +7% |
| 43605 | $550 | $46 | $1,846 | $154 | +3% |
| 43606 | $526 | $44 | $1,762 | $147 | -2% |
| 43607 | $559 | $47 | $1,898 | $158 | +5% |
| 43608 | $568 | $47 | $1,975 | $165 | +10% |
| 43609 | $557 | $46 | $1,863 | $155 | +3% |
| 43611 | $525 | $44 | $1,814 | $151 | +1% |
| 43612 | $552 | $46 | $1,845 | $154 | +3% |
| 43613 | $549 | $46 | $1,842 | $154 | +3% |
| 43614 | $535 | $45 | $1,729 | $144 | -4% |
| 43615 | $509 | $42 | $1,672 | $139 | -7% |
| 43617 | $502 | $42 | $1,642 | $137 | -9% |
| 43623 | $515 | $43 | $1,658 | $138 | -8% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Toledo?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Toledo data: with the same $500 deductibles, full coverage averages $1,805 a year and 50/100/50 averages $1,798. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Toledo?
Not for our benchmark driver. Comparing the same insurers in the same Toledo ZIP codes, full coverage averaged $1,912 a year nine months earlier and $1,805 in rates as of Aug. 31, 2026, a 5.6% drop. Progressive cut its Toledo average 22.0% and Erie 4.2%, while Allstate’s and GEICO’s averages were about unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 5.1%, led by Progressive, which cut its liability-only average 25.2%.
What Shapes Car Insurance Costs in Toledo
Lucas County averages about $142 a month for full coverage, the 13th-most expensive of the 86 Ohio counties we price. Wood County, across the Maumee River, averages $123.
The suburbs cost less than the city: Sylvania averages about $130 a month, Oregon $127 and Perrysburg $122. Ohio lets insurers price by where you live, so neighboring cities can be priced differently.
How Toledo Car Insurance Compares With Other Ohio Cities
More Ohio cities and towns are in the Ohio rates by city table, and you can compare states on our car insurance rates by state page.
Cleveland, about 95 miles east, averages $158 a month, and Columbus, about 120 miles south, $161. Akron averages $147.
What Car Insurance Is Required in Toledo?
Drivers in Toledo follow Ohio’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
Uninsured and underinsured motorist coverage is optional in Ohio, and insurers don’t have to include it, so check whether your policy has it. Our Ohio requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Toledo
- Compare Progressive and Erie first. They have the two lowest full-coverage averages among the four major insurers we compared in Toledo, about $105 and $130 a month.
- Quote several insurers. In our Toledo data, the lowest and highest insurer averages are about $118 a month apart for the same driver and car.
- Keep proof of insurance on your phone. Ohio accepts electronic proof. If you can’t show proof at a traffic stop or after a crash, your license can be suspended until you file an SR-22 and pay a reinstatement fee.
- Compare at every renewal. Over the past nine months, Progressive has cut its Toledo average 22.0% and Erie 4.2%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Ohio, then compare free home insurance quotes.
Ready to compare
How We Calculated Toledo Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 52 full-coverage premiums from four insurers across 13 Toledo ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Ohio averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Ohio’s minimum has been 25/50/25 since December 2013, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Ohio rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Ohio law and the Ohio Department of Insurance. We refresh these figures when new rate data is released.
Toledo Car Insurance FAQ
For our benchmark driver, full coverage in Toledo averages about $150 a month ($1,805 a year) and liability-only coverage at 15/30/10 limits about $45 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 9% above the Ohio average of $137 a month.
Progressive has the lowest full-coverage average in our Toledo rate data, at about $105 a month, followed by Erie at $130. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among the four major insurers we compared, at about $29 a month. The published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Usually, for our benchmark driver. Maumee averages about $124 a month for full coverage, Sylvania $130 and Perrysburg $122, compared with $150 in Toledo.
In our data, 43617 has the lowest full-coverage average in Toledo, at about $137 a month, and 43608 the highest, at about $165. The ZIP code table on this page lists all 13.
In our Toledo data, full coverage (100/300/100 with $500 deductibles) averages about $150 a month and liability-only coverage at 15/30/10 limits about $45, a difference of about $105 a month ($1,266 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Ohio law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Toledo full coverage fell 5.6% over the past nine months, from about $1,912 to $1,805 a year. Progressive cut its Toledo average 22.0% and Erie 4.2%. Liability-only coverage at 15/30/10 limits fell 5.1%.
For our benchmark driver, full coverage in Toledo averages about $150 a month. Nearby, Cleveland averages about $158, Akron about $147 and Columbus about $161. Akron is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
