🏠 Home insurance cost in Toledo, OH (2026)
Estimated average: $1,914 per year — -17% vs. the U.S. average of $2,300.
$1,914
Est. home insurance in Toledo
per year
$1,840
Ohio average
$2,300
U.S. average
265,304
Population
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Toledo home insurance estimator
Estimated$1,206/year
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Toledo home insurance FAQ
How much is home insurance in Toledo, OH?
The estimated average is $1,914 per year — above the state average (+4% vs. the Ohio average of $1,840, and -17% vs. the U.S. average).
Is home insurance more expensive in Toledo than elsewhere in Ohio?
Toledo has about 265,304 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Toledo?
Compare at least three quotes from insurers active in Toledo, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.