On average your neighbors pay $58 a month.See Your Rates
Toledo, Ohio is often nicknamed the Glass City because many glass companies originated there, as did many glass-related innovations. Many examples can be found at the world-famous Toledo Museum of Art. Like glass, you want your car insurance policy to be crystal clear. So, compare rates before you buy.
How much is car insurance in Toledo, OH? High crime, including car thefts, are driving up Toledo's car insurance rates. So many local drivers are paying much more than both the state and national average. The average cost of auto insurance in Ohio is $702.59 a year. The national average cost is $889.01.
Prices may vary depending on your driving record, policy limits, coverage, and the total number of claims filed in your zip code.
|Total Cost Per Year||$702.59|
|Price Per Month||$58.54|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Ohio insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Ohio car insurance rates increased from $619 in 2011 to $702 in 2015, a jump of $82, or 13.37 percent.
QuoteWizard helps Toledo residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Toledo, Ohio and save up to 40% on your premium.
Last year, 6,346 people used QuoteWizard to compare quotes from multiple companies, and find the cheapest auto insurance rates in Toledo, OH.
These are the most common car insurance companies reported by QuoteWizard users living in Toledo, Ohio last year. Of the 6,346 people who requested quotes on QuoteWizard last year, only 625 did not have insurance.
Other popular Toledo, Ohio car insurance companies: Safeco, Erie, MetLife, Country Financial, USAA, Hartford, Travelers, and General Accident.
These are the most common car makes and models owned by Toledo, OH drivers requesting quotes through QuoteWizard last year.
Toledo, Ohio, drivers are required to maintain minimum liability coverage known as the 25/50/25 rule. This rule states that each policy must include at least:
A recent report published by Allstate Insurance ranked Toledo 69th out of 200 cities for safe driving. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9.1 years.
Of the 6,346 Toledo drivers that used QuoteWizard last year, 213 reported incidents on their driving record.
Several factors that affect insurance rates are the weather and road conditions.
Toledo's climate is humid continental. This means that Toledo has four distinct seasons with hot, humid summers and cold, snowy winters thanks to the proximity of Lake Erie which provides occasional lake effects snow. Toledo has, on average, 33.4 snowy days that bring 37.6 inches of snow each year. Even when there's no snow on the ground, Toledo winters are cold enough to create the black ice that makes morning commutes treacherous.
According to a recent study by TRIP, 42% of the major roads in and around Toledo are in poor condition and 14% are mediocre. These poorly maintained, pothole-filled streets costs drivers $676 a year in extra vehicle operating costs.
According to Inrix's 2015 Urban Mobility Scorecard, Toledo ranks 38th out of 101 cities for worst traffic congestion in the US. At least traffic congestion isn't too bad in Toledo. The average commuter spends 38 hours delayed per year for those with 30-minute commutes.
Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.
The Toledo Municipal Court traffic department website allows residents to pay traffic citations issues in Toledo and tells drivers how to contest tickets.
Toledo Police Department issued 25,764 moving violations in 2012. That’s an 8.6 percent increase from the 23,707 moving violations issued in 2011.
An OVI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Toledo OVI insurance.
Toledo Police stopped 409 drivers for suspicion of OVI in 2012. That's an 11% increase from the 368 drivers stopped in 2011.
Toledo experienced 22 motor vehicle crash deaths in 2014. This works out to a fatality rate of 2.46 per 100,000 residents. All traffic deaths are a tragic loss, and considering Toledo’s estimated population of 278,508, this is a safe city in terms of traffic fatalities per capita.
Toledo reported 902 vehicle thefts in 2016 That's a rate of 3.22 per 1,000 residents. This is well above the national average of 2.20 stolen cars per 1,000 people.
Are you looking to lower your rates by finding affordable car insurance coverage? These are some of the many auto insurance discounts available to Toledo drivers. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.
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