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.


CAR INSURANCE RATES IN TOLEDO
Toledo Average (annual)Ohio AverageU.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.


TOLEDO CAR INSURANCE RATES BY COMPANY
InsurerAverage 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.


TOLEDO CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage 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.


TOLEDO CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage 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.


TOLEDO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
IncidentAverage 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.


TOLEDO CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage 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.

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-Lark Insurance Agency Inc.

PO Box 8068, Toledo, OH 43605

Martin & Martin Agency Inc.

1226 Nevada St, Toledo, OH 43605

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

Stapleton Insurance & Risk Management

7250 Crossleigh Ct, Toledo, OH 43617

Stoner Johnson Ins Agcy Inc

2330 Airport Hwy, Toledo, OH 43609

Knight Insurance Group

22 N Erie Street, Toledo, OH 43604

Burnor Insurance Agency

316 N Michigan St Ste 700, Toledo, OH 43604

Hylant

811 Madison Ave, Toledo, OH 43604

A1 Auto Insurance

520 Madison #4, Toledo, OH 43604

Brooks Insurance Agency, Inc.

1120 Madison Ave, 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.