Toledo is the seat of Lucas County and Ohio's fourth-largest city, home to approximately 270,000 residents. Located at the western tip of Lake Erie, Toledo is a major industrial and transportation hub — home to Jeep manufacturing, a major port, and a significant trucking industry. Toledo offers some of Ohio's most affordable auto insurance rates.
In 2026, the average Toledo driver pays approximately $1,350 per year for full coverage and around $405 per year for liability-only coverage — among the lowest rates in Ohio.
Average Auto Insurance Rates in Toledo by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 43604 | Downtown Toledo | $1,550 | $465 |
| 43606 | Old West End / University of Toledo | $1,450 | $435 |
| 43614 | South Toledo | $1,400 | $420 |
| 43623 | West Toledo / Ottawa Hills | $1,300 | $390 |
| 43612 | North Toledo | $1,500 | $450 |
Get Your Free Toledo Auto Insurance Quote
Sewell Insurance Agency is licensed in Ohio and serves all of Lucas County and Northwest Ohio. Our licensed brokers will find you the best auto insurance rate for your Toledo address.