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What's the average cost of car insurance in Toledo?

The average cost of car insurance in Toledo, Ohio, is $1,227 each year. That's more than the average in Ohio ($1,047) and cheaper than the national average of $1,548. Our guide to car insurance in Toledo — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

Toledo Average (annual) Ohio Average U.S. Average
$1,227 $1,047 $1,548

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Toledo car insurance premiums by company

The difference in auto insurance rates from company to company can be substantial. In Toledo, GEICO provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Toledo below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

Insurer Average Yearly Rate
GEICO $808
Grange Insurance $833
Erie $876
Cincinnati Insurance $1,089
State Farm $1,107

Consult our expert guide to finding the best cheap car insurance.

Toledo auto insurance rates by age

The age group that pays the least for car insurance in Toledo are drivers in their 50s ($1,093per year). Drivers in their 60s pay marginally higher rates — $1,123 per year.

The Toledo drivers who pay the highest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Toledo is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Toledo is $3,903, the largest such difference between any two age brackets.

Age Average Yearly Rate
Teens $5,647
20s $1,744
30s $1,210
40s $1,161
50s $1,093
60s $1,123
70s $1,408

Learn more about the impact of age on auto insurance rates.

Toledo auto insurance costs by marital status and gender

Marital status and gender are contributing factors to car insurance rates in many cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Toledo pay $73 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Toledo, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Toledo, male drivers pay $2 more per year for car insurance than do female drivers.

Gender/Marital Status Average Yearly Rate
Female $1,225
Male $1,227
Single $1,154
Married $1,154
Divorced $1,227
Widowed $1,202

Learn more about the impact gender and marital status have on insurance rates.

Toledo auto insurance costs by incident history

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Toledo drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $740 per year versus the city average. A ticket for speeding results in a $277 rate hike while a DWI or DUI violation costs $748per year in extra insurance expenditures.

Incident Average Yearly Rate
DWI/DUI $1,974
Reckless Driving $1,967
At-fault Accident (damages < $1,000) $1,770
At-fault Accident (damages greater than $2,000) $1,924
Speeding Ticket (16-20 mph over speed limit) $1,504

Learn more about the impact of driving violations on car insurance rates.

Toledo car insurance rates by credit tier

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Toledo drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 58% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Toledo, improving your credit to "Fair" could help you earn an $895 decrease in annual car insurance rates.

Credit Score Average Yearly Rate
Very Poor $2,375
Fair $1,480
Good $1,227
Very Good $1,095
Exceptional $992

Get additional information on how credit impacts car insurance costs.

What drives up car insurance rates in Toledo?

Where you live in Toledo affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Toledo is no exception to the rule. From ZIP code 43617 to 43608, premiums rise by 6 percent—that's $68.

Expensive Toledo ZIP codes: 43613, 43609, 43610, 43607, 43608

Cheap Toledo ZIP codes: 43617, 43537, 43615, 43614, 43623

Toledo Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Toledo, you can expect 133 rainy days with an annual rainfall of 33 inches. Toledo is also known to experience severe winter storms.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Toledo

Major Highways
I-75 I-80 I-90
Public Transit

Find Local Toledo Agents

House of Insurance Agency, Inc.

5801 Telegraph Rd Side, Toledo, OH 43612

Westgate Insurance Agency, Inc.

3450 W Central Ave Ste 344, Toledo, OH 43606

Stoner Johnson Ins Agcy Inc

2330 Airport Hwy, Toledo, OH 43609

Knight Insurance Group

22 N Erie Street, Toledo, OH 43604

Martin-Lark Insurance Agency Inc.

PO Box 8068, Toledo, OH 43605

Brooks Insurance Agency, Inc.

1120 Madison Ave, Toledo, OH 43604


811 Madison Ave, Toledo, OH 43604

Stapleton Insurance & Risk Management

7250 Crossleigh Ct, Toledo, OH 43617

Burnor Insurance Agency

316 N Michigan St Ste 700, Toledo, OH 43604

Martin & Martin Agency Inc.

1226 Nevada St, Toledo, OH 43605

A1 Auto Insurance

520 Madison #4, Toledo, OH 43604


The average Toledo resident's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 198 cups of coffee or $496 in savings

See How Much You Can Save in Toledo

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.