For drivers with at-fault accidents, one of the more important things that help determine the amount you pay for auto insurance is the neighborhood you call home. Larger areas tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The illustration below rates the most expensive areas in Ohio for drivers with accidents to purchase a policy in. Toledo is ranked at #1 with a yearly cost of $1,267 for the average insurance policy, which is about $106 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Toledo | $1,267 |
| 2 | Youngstown | $1,247 |
| 3 | Columbus | $1,235 |
| 4 | Cleveland | $1,222 |
| 5 | Cincinnati | $1,174 |
| 6 | Cleveland Heights | $1,166 |
| 7 | Euclid | $1,164 |
| 8 | Dayton | $1,142 |
| 9 | Akron | $1,135 |
| 10 | Hamilton | $1,135 |
| 11 | Springfield | $1,105 |
| 12 | Canton | $1,102 |
| 13 | Middletown | $1,066 |
| 14 | Newark | $1,053 |
| 15 | Fairfield | $1,053 |
| 16 | Beavercreek | $1,047 |
| 17 | Kettering | $1,040 |
| 18 | Mansfield | $1,032 |
| 19 | Lakewood | $1,031 |
| 20 | Lorain | $1,015 |
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Annual rates are comparative as the garaging address in Toledo can increase or decrease prices substantially.
Establishing which companies have the most affordable car insurance rates for drivers with accidents involves a little more work than just comparing a company or two. Every auto insurer uses a little different formula for establishing rates, so let’s examine the car insurance companies that tend to be cheaper in Toledo, OH.
It’s important that readers know that Toledo car insurance rates are impacted by many things that control the policy premium. Simply getting older, adding a teenager to your policy, or getting a reckless driving citation may prompt premium changes that may make certain companies more affordable than others.
Best Auto Insurance Prices for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $635 |
| 2 | Erie | $681 |
| 3 | Frankenmuth | $687 |
| 4 | Allied | $690 |
| 5 | Travelers | $712 |
| 6 | USAA | $719 |
| 7 | Merchants Insurance Group | $748 |
| 8 | Cincinnati Insurance | $756 |
| 9 | General Casualty | $805 |
| 10 | Motorists Mutual | $816 |
| 11 | Grange Mutual | $836 |
| 12 | Central Mutual | $866 |
| 13 | Hastings Mutual | $884 |
| 14 | State Farm | $885 |
| 15 | Atlantic States | $904 |
| 16 | Westfield | $908 |
| 17 | Western Reserve | $941 |
| 18 | Progressive | $982 |
| 19 | Auto-Owners | $988 |
| 20 | Farmers | $995 |
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Utica National generally has some of the lowest car insurance rates in Toledo at around $635 a year. This is $405 less than the average rate paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are also some of the cheaper Toledo, OH car insurance companies.
As depicted above, if you currently have a policy with Frankenmuth and switched to Utica National, you may see a yearly savings of in the neighborhood of $52. Insureds with Allied could save as much as $55 a year, and Travelers customers might cut rates by $77 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or quote rates from the companies below.
Bear in mind that those policy rates are averaged across all drivers and vehicles and do not take into consideration an exact zip code location for drivers with accidents. So the car insurance company that is most affordable for your situation may not even be in the list above. That illustrates why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
Types of discounts on Toledo insurance
Car insurance companies that offer quotes for drivers with accidents could also offer rate discounts that could lower prices by as much as 35% if you can meet the requirements. Popular car insurance companies and their possible discounts are shown below.
- American Family policyholders can earn discounts including good student, good driver, accident-free, defensive driver, multi-vehicle, Steer into Savings, and TimeAway discount.
- Farm Bureau offers premium reductions for renewal discount, multi-policy, good student, 55 and retired, multi-vehicle, and youthful driver.
- State Farm includes discounts for accident-free, defensive driving training, multiple policy, safe vehicle, and Steer Clear safe driver discount.
- Travelers has savings for driver training, new car, hybrid/electric vehicle, home ownership, and good student.
- The Hartford offers discounts for driver training, air bag, defensive driver, anti-theft, and bundle.
- GEICO discounts include anti-theft, anti-lock brakes, military active duty, seat belt use, multi-policy, and air bags.
- Progressive may include discounts for multi-vehicle, continuous coverage, homeowner, multi-policy, online signing, and good student.
The diagram below illustrates the comparison of auto insurance costs with and without discounts applied to the rates. The costs are based on a male driver, no violations and two accidents, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, homeowner, anti-theft, passive restraint, vehicle safety, and paid-in-full discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for drivers with accidents is 28% or $552.
Impact of speeding/accidents on car insurance rates
The common sense way to snag the cheapest car insurance prices in Toledo for drivers with at-fault accidents is to drive safe and avoid accidents and traffic violations. The example below demonstrates how speeding tickets and at-fault collisions can drive up annual premium costs for different categories of driver ages. The data assumes a single male driver, full coverage, $100 deductibles, and no discounts are applied.
In the prior example, the average cost of a car insurance policy in Toledo per year with no violations or accidents is $1,750. Get written up for two speeding tickets and the average cost increases to $2,322, an increase of $572 each year. Then add two accidents along with the two speeding tickets and the annual cost of car insurance for drivers with accidents jumps again to an average of $4,371. That’s an increase of $2,621, or $218 per month, just for not being more responsible behind the wheel!
If you would rather get help from a professional when comparing insurance rates for drivers with at-fault accidents, the agents below can most likely help you determine which auto insurance coverages would be the best in your situation.
To locate an agency nearest to you, click the link after the list.
Jan Scotland – State Farm Insurance Agent
4806 Dorr St – Toledo, OH 43615 – (419) 536-4200
Great Lakes Insurance Partners
5215 Monroe St # 2 – Toledo, OH 43623 – (419) 841-2000
Allstate Insurance: Evans Insurance Group Corp.
1900 Monroe St – Toledo, OH 43604 – (419) 241-8061
Allstate Insurance: Tim Wyrostek
2008 N Holland Sylvania Rd – Toledo, OH 43615 – (419) 536-5100
American Casualty Insurance
6060 Renaissance Pl i – Toledo, OH 43623 – (419) 885-3571
View more Toledo, OH insurance agencies
How to find the cheapest insurance for drivers with accidents
Here are some thrifty solutions that can help drivers quote lower-cost car insurance.
- Choose a safer vehicle and pay lower rates
- Avoid at-fault accidents and claims
- Maintaining good credit helps earn cheaper rates
- Increase your policy deductibles
- Ensure your driving record is clean
- Assess whether full coverage is needed
- Compare prices as often as possible
The last item on the list is extremely valuable, as was pointed out in this article. Insurance prices change frequently, so drivers shouldn’t hesitate to switch companies if a lower price can be found. Having a favorite company is fine, but it isn’t a good idea if that devotion results in you overpaying hundreds of dollars year after year. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for drivers with accidents in Toledo.