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Get Cheap Car Insurance in Old West End, Toledo, OH

We monitor insurance prices, helping the average driver in Old West End save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Old West End

The chart below shows the cheapest car insurance company in Old West End for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Safeco Insurance, Travelers, and Mile Auto.

 
Old West End Insurer Monthly Cost
State Farm $53
Safeco Insurance $56
Travelers $56
Mile Auto $59

Savings for Every Kind of Old West End Driver

The table shows how much the average auto insurance customer in Old West End might save by following our recommendations.

Based on our extensive insurance data, we know the average Old West End driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $344 per year by choosing the right vehicle insurance company. Some Old West End residents are paying out over $1,300 extra every year for auto insurance in Old West End. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Old West End, Toledo, OH Savings / Yr.
Drivers with good records
$344
Drivers with accidents
$584
Drivers with speeding tickets
$494
Drivers with a DUI conviction
$528
Young drivers
$1,262
Married drivers
$359
Drivers with bad credit
$503

Old West End Car Insurance vs. Toledo

People living in Old West End pay an average of 15.68% more than the typical driver in the state. The average driver in Old West End can expect to pay about $878 per year, or $1,300 for full coverage.

Based on our analysis, Mile Auto will be the cheapest provider in Old West End for most people.

Car Insurance Prices by Old West End Neighborhood

Old West End, Toledo, OH map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Old West End?

The map shows insurance prices in and around Old West End, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $335 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,488 to a low of $1,153. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Old West End.

Pick the Best Car Insurance Company for You in Old West End

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Old West End insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Old West End

For drivers with clean driving records and no major strikes, Mile Auto is the best option, with annual savings of $344 over the average Old West End car insurance company.

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We use the average good driver, paying $80 per month, as our baseline for pricing in Old West End. Mile Auto, Clearcover, and Gainsco are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Old West End drivers with accidents on their records

In Old West End getting into an accident will raise premiums an average 38% for a yearly cost of $2,094. That's $794 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Gainsco, and Mile Auto are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $584 over the competition.

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The best car insurance company for Old West End drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $494 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Old West End, tickets raise premiums on new quotes about $560. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Gainsco for savings that beat the average insurance cost of $1,860 per year.

The best auto insurance for Old West End drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,919 per year in auto insurance premiums, which was $619 more than a driver with no major issues. Gainsco, Mile Auto, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Gainsco may cost the average person with a DUI about $528 less each year.

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The least expensive car insurance company for new and young drivers in Old West End

In Old West End, Geico costs young drivers $1,262 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Old West End. With an average cost of $4,549 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Old West End

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $56. State Farm, Geico, and Progressive provided the largest discounts to couples living in Old West End.

State Farm gave the largest car insurance discounts to married couples, averaging $359 saved each year compared to an average Old West End couple's premiums.

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The cheapest car insurance in Old West End for drivers with bad credit

People with poor credit saved an average of $503 with Clearcover.

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Many people are surprised that their poor credit score can cost them an average of $665 every year. Premiums for people with poor credit were about $1,965 in Old West End. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Clearcover.

The best Old West End car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Old West End, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Old West End.

Nationwide was the best company for customer service in Old West End according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Old West End, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Old West End. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Old West End

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 51% of Old West End residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Old West End driver can expect to pay about $76 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Old West End, USAA has the best prices for young drivers, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and drivers with a DUI conviction.
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Auto Insurance Prices in and Around Old West End

What Influences the Cost of Car Insurance in Old West End?

On average, car insurance in Old West End is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Old West End is 26 minutes, which is about the national average for a driver in the city.
  • Ohio state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Old West End are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Old West End is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Old West End is $73 per month for minimum coverage and $108 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Old West End driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Old West End with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.