Car Insurance in Toledo
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Car Insurance in Toledo, OH
Between the Mud Hens and the Museum, Toledo has something for everyone. Still, driving in Ohio's Glass City without insurance could shatter your financial stability. That's why shopping around for the best car insurance in Toledo, Ohio, is essential.
Drivers in Toledo — Ohio's fourth-largest city — follow the same basic traffic laws as the rest of Ohio, but they often have to plan for snow events or bridge restrictions, which can add to their commute times. Toledo drivers don't have to purchase car insurance above and beyond what's already required by the state of Ohio, though it's usually wise to do so.
Compare car insurance rates to get the cheapest price for insurance in Toledo, Ohio. Rates vary based on your age, driving record, city and state, and maybe even your zip code. This page can help you compare car insurance rates in Toledo, Ohio.
How much is car insurance in Toledo, OH?
The cost of car insurance in Toledo will depend on several factors, including your driving history and the level of coverage you choose. On average, though, you can expect to pay within a certain range for the most common types of coverage in the area. Here are those average costs for Toledo residents:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Toledo?
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $127 |
| 2 | Dodge Grand Caravan | $128 |
| 3 | Honda Cr-V | $129 |
| 4 | Ford F-150 | $135 |
| 5 | Kia Sol | $135 |
| 6 | Ford Fusion | $136 |
| 7 | Toyota Tacoma | $138 |
| 8 | Jeep Cherokee | $138 |
| 9 | Toyota Corolla | $139 |
| 10 | Toyota Rav4 | $141 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 | ||
How do claims and violations impact my total cost?
In Toledo, the cost of your car insurance will rise if you have incidents like accidents, speeding tickets, or more serious violations like a DUI. Each type of claim or violation impacts your premium differently. To give you a better sense of how these events affect your costs, here’s a list ranked from least to most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $141 | +0% |
| Not at-fault Accident | $150 | +6% |
| Driving with expired registration | $180 | +28% |
| Speeding Ticket | $188 | +33% |
| At-fault Accident | $231 | +64% |
| DUI | $268 | +90% |
| Hit and Run | $272 | +93% |
| Driving with a suspended license | $279 | +98% |
What car insurance discounts can I get in Toledo?
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $127 | +$14 |
| Paid in Full | $131 | +$10 |
| Low Mileage | $133 | +$8 |
| Multi-Policy Renters | $133 | +$8 |
| Electronic Funds Transfer | $139 | +$2 |
| Renewal discount | $140 | +$1 |
| Paperless | $140 | +$1 |
| None | $141 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.