How Much Does Auto Insurance Cost in Toledo?


On average, premiums in Toledo surpass the state average by $185. Let's compare car insurance costs in Toledo versus premiums across the nation.


AUTO INSURANCE RATES: TOLEDO VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,222$1,037$1,427


Toledo Car Insurance Costs by Age Bracket

Looking across all age groups, drivers in their 50s tend to have the lowest car insurance payments. Their rates normally average $1,068. People in their 60s ($1,101) aren’t paying much more. Teenage drivers have the most expensive rates of any age group. They have typical car insurance payments of $4,868 per year. The largest drop in premiums for Toledo drivers happens when they reach their 20s. Once out of the teenage age bracket, people reduce their premiums by 64%. Turning 60 causes a rise in premiums, but up until that age drivers can anticipate premium reductions when they transition from one age group to the next.


TOLEDO AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$4,868
20s$1,757
30s$1,205
40s$1,166
50s$1,068
60s$1,101
70s$1,361


Toledo Auto Insurance After an Accident or Moving Violation


By knowing which driving mishaps can balloon your car insurance rates, you can make better decisions and save money. $673 is, on average, the additional cost for car insurance in Toledo if you have an at-fault accident on your driving record. Drivers with a DUI in Toledo need to spend $878 more than the city average to insure their vehicle. Reckless driving will push your premiums up as well, with average rates of $1,928, which are 58% higher than the city average!


AVERAGE TOLEDO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Insurance Rate
DUI/DWI$2,100
Reckless Driving$1,928
At-fault Accident (damages less than $1,000)$1,895
At-fault Accident (damages greater than $2,000)$1,895
Speeding Ticket (16-20 mph over speed limit)$1,471


Toledo Car Insurance by Credit Level


Average car insurance premiums in Toledo for individuals with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). The biggest benefit of better credit occurs when improving from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $242 per year.


TOLEDO CAR INSURANCE COSTS BY CREDIT TIER
Credit LevelAverage Rate
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


Both marital status and gender are among the numerous driver traits that can play a part in car insurance costs in Toledo. Individuals who are single spend close to 4% more per year compared to those who are married. Rates for those who are widowed are marginally cheaper than rates for those who are single. 1% is the amount by which men's and women's car insurance premiums deviate.


TOLEDO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,237
Male$1,222
Single$1,222
Married$1,170
Divorced$1,222
Widowed$1,212


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

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

Find Local Toledo Agents

A1 Auto Insurance

520 Madison #4 Toledo, OH 43604

Stoner Johnson Ins Agcy Inc

2330 Airport Hwy Toledo, OH 43609

Brooks Insurance Agency, Inc.

1120 Madison Ave Toledo, OH 43604

Stapleton Insurance & Risk Management

7250 Crossleigh Ct Toledo, OH 43617

Knight Insurance Group

22 N Erie Street Toledo, OH 43604

Burnor Insurance Agency

316 N Michigan St Ste 700 Toledo, OH 43604

House of Insurance Agency, Inc.

5801 Telegraph Rd Side Toledo, OH 43612

Hylant

811 Madison Ave Toledo, OH 43604

Westgate Insurance Agency, Inc.

3450 W Central Ave Ste 344 Toledo, OH 43606

Martin & Martin Agency Inc.

1226 Nevada St Toledo, OH 43605

Martin-Lark Insurance Agency Inc.

PO Box 8068 Toledo, OH 43605

See All

Not sure about Toledo

Check out these other Ohio cities...

Columbus

Cleveland

Cincinnati

$1,239

The average Toledo resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

198

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

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Toledo Car Insurance

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