How Much Does Auto Insurance Cost in Toledo?


On average, premiums in Ohio are $558 less than the national average. While premiums in the city are also relatively low, understanding premium costs while insuring a vehicle in Toledo is still crucial. Let's compare car insurance costs in Toledo versus premiums across the nation.


INSURANCE PRICES: TOLEDO VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,215$1,011$1,569


Toledo Auto Insurance for Drivers With At-Fault Accidents or Violations


Knowing which driving mishaps can inflate your insurance premiums will help you make better decisions and save money. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. The severity of an accident affects insurance rates. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an additional $137 per year in premiums. Generally, a DUI in Toledo will cost you 57% more in car insurance premiums versus the city average of $1,215. Reckless driving will push your premiums up as well, with typical rates of $2,068. That is 70% higher than the city average!


AVERAGE TOLEDO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI/DWI$1,910
Reckless Driving$2,068
At-fault Accident (damages less than $1,000)$2,149
At-fault Accident (damages greater than $2,000)$2,287
Speeding Ticket (16-20 mph over speed limit)$1,455


Toledo Auto Insurance by Gender and Marital Status


In Toledo, many driver attributes, including gender and marital status, can play a role in car insurance premiums. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being single can cost you roughly $50 more per year compared to being married. Premiums for men and women tend to deviate marginally, with men paying less.


TOLEDO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,224
Male$1,215
Single$1,215
Married$1,162
Divorced$1,215
Widowed$1,200


Toledo Car Insurance by Credit Score


For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Moving from Very Poor (300-579) to Fair (580-669) hands over the largest percent drop in premiums to drivers, as they save around 39% per year.


TOLEDO AUTO INSURANCE RATES BY CREDIT TIER
Credit QualityAverage Auto Insurance Rate
Very Poor$2,403
Fair$1,469
Good$1,215
Very Good$1,096
Exceptional$1,000


Toledo Auto Insurance Rates by Age

Teenage drivers are the ones who pay the most in car insurance premiums, with typical rates of $4,711. In Toledo, when drivers reach their 20s, therefore moving out of the teenage age range, they pay 62% less in premiums, which is the largest gap you'll see between any age group. Car insurance premiums for drivers in Toledo continue to fall through their 50s, but they can expect an increase when they turn 60. When looking across all age groups, drivers in their 50s have the smallest car insurance rates. Their rates generally average $1,063 per year.


TOLEDO AUTO INSURANCE COSTS BY AGE
AgeAverage Rate
Teenagers$4,711
20s$1,786
30s$1,197
40s$1,160
50s$1,063
60s$1,183
70s$1,300


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.

133

Rainy Days a Year

33"

Avg. Annual Rainfall

38"

Avg. Annual Snowfall

Be Prepared For

Driving in Toledo

2
Major Highways
I-75 I-80 I-90
2
Public Transit
TARTA Bus

Find Local Toledo Agents

Martin & Martin Agency Inc.

1226 Nevada St Toledo, OH 43605

House of Insurance Agency, Inc.

5801 Telegraph Rd Side Toledo, OH 43612

Burnor Insurance Agency

316 N Michigan St Ste 700 Toledo, OH 43604

Hylant

811 Madison Ave Toledo, OH 43604

Stoner Johnson Ins Agcy Inc

2330 Airport Hwy Toledo, OH 43609

Knight Insurance Group

22 N Erie Street Toledo, OH 43604

Brooks Insurance Agency, Inc.

1120 Madison Ave Toledo, OH 43604

Martin-Lark Insurance Agency Inc.

PO Box 8068 Toledo, OH 43605

Stapleton Insurance & Risk Management

7250 Crossleigh Ct Toledo, OH 43617

Westgate Insurance Agency, Inc.

3450 W Central Ave Ste 344 Toledo, OH 43606

A1 Auto Insurance

520 Madison #4 Toledo, OH 43604

Not sure about Toledo

Check out these other Ohio cities...

Columbus

Cleveland

Cincinnati

2

$1,239

The average Toledo resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

198

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

See How Much You Can Save in Toledo

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Recent Questions:

Toledo Car Insurance

Who is at-fault when parking spot stopper had bolts sticking out of it?

Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.

Should I buy an umbrella policy?

If you currently own your home and/or other high value assets, it's probably a good idea to consider an umbrella policy to protect yourself in the event of a lawsuit. Deciding whether or not to purchase an umbrella policy is a judgement call, but it would provide you with additional liability coverage up to a minimum of $1million.

Can I still get insurance if my license is suspended?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;While there are companies that will not insured a driver with a suspended license, there are many that will. Larger, more highly rated companies will not want to take on the risk of insuring someone with a suspended license but there are hundreds of companies that will provide coverage.