Car Insurance in Toledo
In Toledo, it is especially important to cut costs while insuring a vehicle because Toledo premiums are known for being costly. They are generally $185 greater than Ohio's average. Going over some ways to save on Toledo car insurance can save you money.
- City Average: $1,222
- State Average: $1,037
- National Average: $1,427
Toledo Car Insurance by Credit Rating
For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are $1,228 more per year. The most notable benefit of better credit comes from upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save around $242 per year.
- Very Poor: $2,280
- Fair: $1,876
- Good: $1,571
- Very Good: $1,294
- Exceptional: $1,052
Toledo Car Insurance by Gender and Marital Status
Pricing for car insurance premiums in Toledo is determined by a lot of factors, including gender and marital status. 1% is the amount by which men's and women's car insurance premiums vary. Rates for those who are widowed are slightly cheaper than rates for those who are single. Those who are single spend close to 4% more per year on car insurance compared to those who are married.
- Female: $1,237
- Male: $1,222
- Single: $1,222
- Married: $1,170
- Divorced: $1,222
- Widowed: $1,212
Toledo Car Insurance by Accident or Violation History
Past accidents and violations can cost you in terms of car insurance rates. Drivers with a DUI in Toledo need to spend 72% more than the city average to insure their vehicle. Reckless driving will also bump your premiums up, with average rates of $1,928! Speeding 16-20mph above the speed limit can drive up your insurance rates. Drivers with a speeding ticket on their record typically spend $249 more per year.
- DUI: $2,100
- Reckless Driving: $1,928
- At-fault Accident (damages less than $1000): $1,895
- At-fault Accident (damages greater than $2000): $1,895
- Speeding Ticket (16-20 mph over speed limit): $1,471
Toledo Car Insurance by Age
Teenage drivers have the largest premiums out of all the age groups. They have typical car insurance payments of $4,868. When looking across all age groups, drivers in their 50s have the smallest rates. Their rates normally average $1,068 per year. People in their 60s ($1,101) have premiums that aren't much higher. Drivers in Toledo see the biggest decrease in premiums when they hit their 20s, as they pay an average of $3,112 less after moving out of the teenage age bracket. The first time drivers can anticipate their age to trigger a rise in rates is when they turn 60.
- Teenagers: $4,868
- 20s: $1,757
- 30s: $1,205
- 40s: $1,166
- 50s: $1,068
- 60s: $1,101
- 70s: $1,361
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Toledo, you can expect 133 rainy days with an annual rainfall of 33 inches. Toledo is also known to experience severe winter storms. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Toledo
Find Local Toledo Agents
Martin & Martin Agency Inc.
1226 Nevada St Toledo, OH 43605
Stapleton Insurance & Risk Management
7250 Crossleigh Ct Toledo, OH 43617
Burnor Insurance Agency
316 N Michigan St Ste 700 Toledo, OH 43604
A1 Auto Insurance
520 Madison #4 Toledo, OH 43604
House of Insurance Agency, Inc.
5801 Telegraph Rd Side Toledo, OH 43612
Stoner Johnson Ins Agcy Inc
2330 Airport Hwy Toledo, OH 43609
811 Madison Ave Toledo, OH 43604
Knight Insurance Group
22 N Erie Street Toledo, OH 43604
Martin-Lark Insurance Agency Inc.
PO Box 8068 Toledo, OH 43605
Westgate Insurance Agency, Inc.
3450 W Central Ave Ste 344 Toledo, OH 43606
Brooks Insurance Agency, Inc.
1120 Madison Ave Toledo, OH 43604
The average Toledo resident's annual cost of coverage
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Toledo Car Insurance
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