Compare Auto Insurance in Toledo
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.
Average Toledo Car Insurance Rates
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.
| Coverage | Rates |
|---|---|
| Liability | $388.88 |
| Collision | $260.20 |
| Comprehensive | $117.58 |
| 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.
Best Car Insurance Companies 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.
Top 10 Vehicles
These are the most common car makes and models owned by Toledo, OH drivers requesting quotes through QuoteWizard last year.
- Chevrolet Impala LS
- Ford Taurus SE
- Ford F150
- Chevrolet Malibu LS
- Chevrolet Cavalier
- Ford Escape XLT
- Chevrolet Blazer
- Honda Accord LX
- Ford Fusion SE
- Ford Explorer
Minimum Car Insurance Requirements in Toledo, OH
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:
- Individual Bodily Injury Liability (BIL): $25,000.
The maximum your carrier will pay for an individual person injured in a car accident. - Total Bodily Injury Liability: $50,000.
The max insurers will pay in total for every person injured in a car accident. - Property Damage Liability (PDL): $25,000.
The most your insurance company will pay for property damage caused by a car accident.
Toledo Drivers
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.
Driving Conditions
Several factors that affect insurance rates are the weather and road conditions.
Weather
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.
Road Conditions
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.
Traffic Congestion
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
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.
Traffic Tickets
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.
SR-22 OVI Insurance
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.
Traffic Fatalities
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.
Vehicle Theft Rates
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.
Car Insurance Discounts
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, Ohio drivers. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.
- If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
- Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
- Keep your driving history clean. Drivers without tickets or accidents on their record pay lower rates
- Live in a safe zip code with low crime where residents file fewer insurance claims
- Drive less. Living close to work or taking the bus once in a while can reduce the miles your drive and might qualify you for the low mileage discount
- Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 20%
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