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.

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

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

Hylant

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

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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