Cheap Car Insurance in Toledo, OH – Save Time & Money. 1 Stop – Shop Now!

Finding cheap car insurance in Toledo, OH can involve several phone calls for quotes — or it can be as simple as going to and review the lowest rates offered by several insurance carriers, answering a few basic questions and clicking on “Go.”

Average Car Insurance Quote Rates in Toledo, OH — Save as much as $540 per Year

Automobile insurance rates in Ohio vary from city to city. The average cost of automobile insurance in Toledo is $1,333, compared to a county-wide average of $1,316 (1.2 percent below the city) and an average statewide rate of $1,448 (8.0 percent above the city). The increase in insurance premiums for the city can be attributed, in part, to the fact that drivers living in urban areas pay more than those living in more rural areas.

Other Factors Affecting Auto Insurance in Toledo, OH

In addition to a person’s driving record and the type of vehicle being insured, there are several other factors that determine insurance rates for Toledo, Ohio:

  • Location — As previously noted, location in a city — and even the location within a city – has a major effect on vehicle insurance costs. The 2010 census reported that Toledo, Ohio had a population of 287,208 and a population density of 3,562 inhabitants per square mile. Insurance companies look primarily at the data by zip codes when determining rates.
  • Drive to Work — The distance and amount of time it takes a commuter to drive to work is another important factor for insurance companies. Commuters who drive to work during peak rush hours pay higher insurance rates. Conversely, drivers who commute to work during non-peak hours often get a discount. The mean time for Toledo residents to drive to work is 20.0 minutes. Another factor affecting rates is the number of accidents per 100,000. In 2009, the city’s fatal accident rate was 6.8.
  • Auto Thefts — Not surprisingly, auto thefts have an impact on insurance rates. Insurance companies look at the metropolitan areas more closely because this is where most auto thefts occur. The two most important indicators are the car models most often stolen and rate of auto thefts per 100,000 population. Toledo experienced 1,197 auto thefts per 100,000 residents in 2010.
  • Education — Education also affect vehicle insurance rates. Drivers with a four year college degree generally pay lower rates than high school graduates. In Toledo, 16.8 percent of residents have a four year or higher college degree and 79.1 percent have at least a high school education.

Buying automotive insurance can be a simple process. Just go to, answer a few questions and click on the “Go” button. The site is easy to navigate and provides inexpensive insurance quotes from some of the country’s best automobile insurance companies.

Do you have family or friends in nearby Ohio cities? You can help them save money by reading up on Columbus, Cincinnati, or Akron!

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