Are you a Cleveland driver looking for the best auto insurance? Finding the right insurance can seem tough, but don’t worry, we’re here to help. We’ll look at the top auto insurance companies in Cleveland, Ohio. This will help you find the best coverage for your driving habits and budget.
Key Takeaways
- USAA, State Farm, GEICO, Auto-Owners Insurance, and Nationwide are among the top auto insurance providers in Cleveland, Ohio.
- USAA consistently offers the cheapest car insurance rates in Cleveland, followed by State Farm and GEICO.
- Customers can compare quotes and coverage details to find the best auto insurance option for their needs and budget.
- Factors like driving record, credit score, and coverage limits influence car insurance rates in Cleveland.
- Exploring discounts and money-saving tips can help Cleveland drivers secure affordable auto insurance policies.
Average Cost of Auto Insurance in Cleveland
In Cleveland, Ohio, car insurance costs an average of $1,191 a year. This is $183 more than Ohio’s average of $1,008 a year. The city’s high population density, accident rates, and living costs all play a part in these higher premiums.
Factors Affecting Car Insurance Rates
Several factors influence car insurance rates in Cleveland:
- Population density: Cleveland’s crowded streets mean more accidents and claims, raising insurance costs.
- Accident and theft rates: Cleveland sees more accidents and thefts than average, which affects insurance prices.
- Cost of living: Cleveland’s high cost of living, including goods and services, impacts insurance rates.
- Presence of luxury and sports cars: More expensive cars in Cleveland also increase insurance costs.
Why Cleveland Rates are Higher than State Average
Cleveland’s car insurance rates are higher than Ohio’s average for several reasons. Its urban density, high accident and theft rates, and cost of living all contribute. Insurers consider these factors when setting premiums, making Cleveland’s average cost of coverage higher than the state’s.
Cheapest Auto Insurance Companies in Cleveland
Looking for the cheapest auto insurance in Cleveland, Ohio? Several companies are top choices. USAA, State Farm, and GEICO are leading the way. They offer the best rates for cheapest car insurance in cleveland and best rates for auto insurance in cleveland.
USAA is a top pick for military members and their families, with an average annual premium of $784. State Farm is close behind at $876, and GEICO averages $971 per year. These companies offer great coverage at good prices for Cleveland drivers.
When looking for the cheapest car insurance in cleveland, comparing quotes is key. This helps you find the best rates and coverage for your needs. By checking out different companies, Cleveland residents can get fair and best rates for auto insurance in cleveland that protect them well.
“Comparing quotes from various insurers is the key to finding the most affordable car insurance in Cleveland. The best rates may vary depending on your driving history, vehicle, and other factors.”
Car Insurance Rates by ZIP Code in Cleveland
Car insurance rates in Cleveland don’t change much by ZIP code. The highest rates are in the 44108 and 44110 areas, at $1,206 each. On the other hand, the cheapest rates are in 44135 and 44109, at $1,066 and $1,121 respectively. Overall, car insurance costs are pretty steady across the city, with no big differences between areas.
Highest and Lowest Rates by Neighborhood
The most expensive areas for car insurance in Cleveland are:
- 44108 – $1,206 per month
- 44110 – $1,205 per month
The cheapest areas for car insurance in Cleveland are:
- 44135 – $1,066 per month
- 44109 – $1,121 per month
Even with some differences, car insurance rates in Cleveland are pretty consistent. Most people pay around $137 per month on average for their coverage.
“Cleveland has the third-highest insurance costs among major cities in Ohio, with an average rate of $137 per month.”
How to Choose the Right Insurance Company
Choosing the best car insurance in Cleveland, Ohio, means comparing quotes. Each company uses its own way to figure out premiums. This means the same driver can get very different quotes. By comparing, drivers in Cleveland can make sure they get good coverage at a low cost.
Importance of Comparing Quotes
It’s key for Cleveland drivers to compare car insurance quotes. Here’s why:
- Vastly different quotes: Different companies give different quotes because of their pricing models.
- Comprehensive coverage: By comparing, you can find the right mix of coverage and cost for your needs.
- Potential savings: Comparing quotes can help you save hundreds on your car insurance each year.
When picking an insurance company in Cleveland, don’t forget to look at customer service, financial stability, and how they handle claims too.
| Insurance Company | Industry Standing | Availability | Coverage | Cost and Discounts | Customer Experience |
|---|---|---|---|---|---|
| Nationwide | 9.2 | 8.3 | 9.6 | 9.7 | 9.3 |
| Erie Insurance | 9.2 | 8.9 | 8.1 | 9.6 | 9.6 |
| State Farm | 9.2 | 9.2 | 9.6 | 9.4 | 8.8 |
| Geico | 9.3 | 9.5 | 10 | 9.1 | 9.5 |
| Auto-Owners Insurance | 8.8 | 9.1 | 8.3 | 8.7 | 9.3 |
By looking at these factors and comparing quotes, Cleveland drivers can find the best car insurance company for their needs and budget.
Car Insurance Rates for Drivers with Violations
In Cleveland, Ohio, drivers with violations pay much more for car insurance. Cleveland drivers with a DUI can expect to pay an average of $1,263 per year with USAA, the cheapest option. Those with a speeding ticket pay about $971 per year with State Farm. Companies see drivers with violations as more risky, so they charge more to cover the risk.
Driving infractions can greatly increase the cost of auto insurance in Cleveland. A single speeding ticket in Ohio leads to a 19% increase in the average cost of full coverage auto insurance. After a recent at-fault accident, premiums can go up by at least 20%. For drivers with an OVI (DUI), Ohio insurance premiums increase by an average of 88%, with rates varying by provider.
- Different insurance companies in Ohio have varying rate increases following violations such as speeding tickets, at-fault accidents, and DUIs, with rate increases sometimes exceeding 100%.
- Ohio uses a point system for traffic offenses, with typical speeding tickets adding 2-4 points to your license. If you get 12 points in two years, your license can be suspended.
- A single at-fault accident can lead to financial trouble. The other driver can sue for damages not covered by insurance, and you might have to pay for damage to your vehicle yourself.
Insurance premiums vary based on many factors like the severity of the violation, your driving history, age, location, vehicle type, credit history, and gender. The effect of violations on insurance rates also changes between carriers. Some companies offer first-accident forgiveness, while others raise rates even if you weren’t at fault.
“Premium increases for high-risk drivers in Ohio, including those with violations, can significantly impact the cost of insurance coverage.”
Drivers in Cleveland with a history of violations should look at quotes from several insurers. This way, they can find the most affordable coverage that suits their needs and driving record.
Cheapest Insurers for Drivers with DUI
Finding car insurance that’s affordable for Cleveland drivers with a DUI can be tough. But, by comparing quotes, they can find good deals. State Farm is the cheapest, with an average annual cost of $971 for Cleveland drivers with a DUI.
USAA is another good choice, costing about $1,263 a year. Other insurers also offer competitive rates for Cleveland drivers with a DUI:
- Auto-Owners Insurance at $1,942 annually
- Nationwide at $2,091 per year
- GEICO at $2,266 annually
Drivers with a DUI pay more for insurance premiums than those with clean records. But, by shopping around, they can find cost-effective coverage that fits their budget.
“Finding affordable car insurance after a DUI can be challenging, but it’s not impossible. By comparing quotes from multiple insurers, Cleveland drivers with a DUI can still secure coverage at reasonable rates.”
Cheapest Insurers for Drivers with Speeding Tickets
Cleveland drivers with a speeding ticket can find cheap auto insurance by shopping around. State Farm is the cheapest, with rates averaging $971 per year. USAA is next at $1,056 annually, followed by Auto-Owners Insurance ($1,308), Nationwide ($1,340), and GEICO ($2,266).
Even with a speeding ticket, comparing insurance rates is key for Cleveland drivers. Shopping around can save you hundreds on your yearly premiums. This is true even if you have a mark on your driving record.
Top Insurers for Drivers with Speeding Tickets in Cleveland
- State Farm: $971 per year
- USAA: $1,056 per year
- Auto-Owners Insurance: $1,308 per year
- Nationwide: $1,340 per year
- GEICO: $2,266 per year
Keep in mind, these are just averages. Your actual costs could be different based on your driving history, where you live, and other factors. The main thing is to compare several quotes to get the best rates for speeding ticket auto insurance in Cleveland.
Auto Insurance Companies in Cleveland Ohio
Cleveland, Ohio, has a bustling auto insurance market. Several major providers compete for local drivers’ attention. State Farm, GEICO, Progressive, Allstate, and others are among the top companies in the area. They offer a wide range of coverage options for the city’s diverse drivers.
Top Providers by Market Share
State Farm leads in Cleveland’s auto insurance market, followed by GEICO and Progressive. These companies are known for their financial strength, customer service, and innovative products. Drivers should research these companies to find the best fit for their needs.
| Insurance Company | Market Share | Number of Employees |
|---|---|---|
| State Farm | 18% | 51,000 |
| GEICO | 15% | 40,000 |
| Progressive | 14% | 51,000 |
| Allstate | 12% | 45,000 |
| Nationwide | 10% | 28,000 |
These major auto insurance companies in cleveland and most popular car insurance providers in cleveland ohio offer many coverage options. By comparing these companies, Cleveland residents can find the best auto insurance for their needs.
Impact of Credit Score on Car Insurance Rates
In Cleveland, Ohio, your credit score affects your car insurance rates. Ohio lets insurance companies look at your credit history to set premiums. If you have poor credit, you’ll likely pay more than those with good or excellent credit.
GEICO offers the cheapest car insurance for Cleveland drivers with bad credit, at $1,438 a year. USAA and Nationwide also have lower rates for those with poor credit, at $1,454 and $1,524 respectively.
But, if you have excellent credit, you can get much lower rates. Keeping a good credit score is key for Clevelanders wanting the best auto insurance deals.
| Insurance Provider | Average Annual Premium for Drivers with Poor Credit |
|---|---|
| GEICO | $1,438 |
| USAA | $1,454 |
| Nationwide | $1,524 |
The link between credit score and how credit score affects car insurance prices in cleveland and auto insurance rates based on credit in cleveland ohio is clear. Cleveland drivers can save hundreds by understanding this. They can make better choices and lower their car insurance costs.
Ohio’s Minimum Car Insurance Requirements
In Ohio, all drivers must have a certain level of auto insurance. This means having $25,000 in bodily injury liability coverage per person and $50,000 per accident. Also, drivers need $25,000 in property damage liability coverage. These requirements help protect others and their property if you’re at fault in an accident.
But, drivers in Cleveland might want to think about getting more insurance. This could include collision, comprehensive, and uninsured/underinsured motorist protection. The average annual insurance premium in Ohio is $781, which is 25% lower than the national average.
Liability Coverage Limits
Ohio’s minimum auto insurance coverage includes:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
These are the lowest limits you can have in Ohio to legally drive. But, you might want to get more coverage to protect yourself and others in an accident.
| Coverage Type | Ohio Minimum Requirement |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
It’s crucial for Ohio drivers to know the ohio minimum car insurance requirements. Make sure you have the right liability coverage limits for auto insurance in cleveland. This helps protect you and others on the road.
Additional Car Insurance Coverages to Consider
When looking at auto insurance in Cleveland, Ohio, drivers should think beyond the minimum state requirements. Adding extra coverages can boost financial protection and ease worries while driving. Here are some coverages to consider:
- Collision Coverage – Covers damage to your car if it hits another car or object.
- Comprehensive Coverage – Protects against theft, vandalism, or natural disasters not related to accidents.
- Uninsured/Underinsured Motorist Protection – Helps pay for costs if hit by a driver with little or no insurance.
- Medical Payments Coverage – Covers medical bills for you and your passengers, no matter who was at fault.
- Gap Insurance – Covers the gap between your car’s value and what you owe on your loan or lease if it’s totaled.
- Roadside Assistance – Offers help with towing, lockouts, jump-starts, and other emergencies.
These car insurance coverages for cleveland drivers add extra cost but offer great protection in accidents or other incidents. By choosing what extra auto insurance policies to get in cleveland, drivers can protect their cars and money.
| Coverage Type | Average Monthly Cost | Potential Benefits |
|---|---|---|
| Collision | $100-$300 | Covers repairs to your car after an accident, fault or not. |
| Comprehensive | $50-$150 | Protects against theft, vandalism, or natural disasters not related to accidents. |
| Uninsured/Underinsured Motorist | $20-$50 | Covers your costs if hit by a driver with little or no insurance. |
| Medical Payments | $5-$20 | Pays for medical bills for you and your passengers, fault or not. |
| Gap Insurance | $20-$40 | Pays the difference between your car’s value and what you owe on your loan or lease if totaled. |
| Roadside Assistance | $5-$15 | Offers help with towing, lockouts, jump-starts, and other emergencies. |
By thinking about these optional car insurance coverages for cleveland drivers, Clevelanders can pick the right what extra auto insurance policies to get in cleveland for their needs and budget. This ensures they’re well-protected on the road.
How to Get Cheap Auto Insurance in Cleveland
Drivers in Cleveland, Ohio, can save money on auto insurance by comparing quotes from different providers. They should also consider raising deductibles, using discounts, and keeping a clean driving record. These steps help Cleveland residents get the best coverage at a lower cost.
Discounts and Money-Saving Tips
Insurance companies in Cleveland offer discounts to help save on car insurance. Some common discounts include:
- Safe driving discounts for drivers with no accidents or tickets
- Vehicle safety feature discounts for cars with airbags and anti-theft devices
- Good credit discounts for drivers with strong credit scores
- Bundling discounts for combining auto insurance with other policies
- Pay-in-full discounts for paying the full premium at once
Increasing deductibles can also lower monthly premiums. But, drivers should make sure they can afford the higher deductible if they need to make a claim.
By using auto insurance discounts for Cleveland drivers and other ways to save on car insurance in Cleveland, residents can find affordable coverage. This way, they can meet their insurance needs without spending too much.
“Drivers who maintain a clean driving record and take advantage of available discounts can save hundreds of dollars each year on their auto insurance in Cleveland.”
auto insurance companies in cleveland ohio
Cleveland, Ohio, has many auto insurance providers. Each offers different coverage options and rates for local drivers. Top insurers include USAA, State Farm, GEICO, Auto-Owners Insurance, Nationwide, Mutual of Omaha, Prudential, National General Insurance, American Family Insurance, and Farmers Insurance.
These companies offer a wide range of coverage. This includes liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist protection. They also have special policies for unique vehicles like delivery trucks and off-road vehicles.
When shopping for auto insurance in Cleveland, it’s important to look at each company’s financial strength and customer satisfaction ratings. Also, check out the discounts they offer. By comparing quotes from different list of car insurance providers in cleveland ohio, drivers can find the best deal for their needs and budget.
| Insurance Provider | Avg. Annual Premium* | Coverage Options | Notable Discounts |
|---|---|---|---|
| State Farm | $1,200 | Liability, Comprehensive, Collision, Medical Payments, Uninsured/Underinsured Motorist | Safe Driver, Good Student, Defensive Driving, Vehicle Safety Features |
| GEICO | $1,100 | Liability, Comprehensive, Collision, Medical Payments, Uninsured/Underinsured Motorist | Good Driver, Military/Federal Employee, Seat Belt Use, Vehicle Safety Features |
| Nationwide | $1,300 | Liability, Comprehensive, Collision, Roadside Assistance, Rental Reimbursement | Bundling, Good Driver, Defensive Driving, Anti-Theft Devices |
By looking into the major auto insurers in cleveland, drivers can make a smart choice. They can find the best auto insurance coverage for themselves and their vehicles.
Car Insurance Customer Satisfaction Ratings
When looking at auto insurance in Cleveland, it’s key to check customer satisfaction ratings. USAA, State Farm, and GEICO are top choices for their great claims handling and customer service. Other big names like Nationwide, American Family, and Farmers also score high, showing they give a good experience to their customers in Cleveland.
Cincinnati Insurance is the best car insurance in Cleveland, with a score of 86 out of 100 and an annual premium of $804. Erie is close behind with a score of 82 out of 100 and an annual premium of $624. USAA is a great choice for military families, scoring 85 out of 100 on the MoneyGeek scale.
Auto-Owners Insurance is a great pick for teen drivers in Cleveland, with an annual premium of $591 and a score of 81 out of 100. Nationwide has the cheapest auto insurance in Cleveland, costing $528 a year. But, it scored a bit lower in customer satisfaction and claims management.
For those looking for cheap car insurance in Cleveland, Cincinnati Insurance is a top choice, costing $364 a year with a score of 86 out of 100. Erie is also affordable, offering an annual premium of $217 with a score of 84 out of 100 for minimum coverage in Cleveland.
The best car insurance providers in Cleveland for satisfaction and affordability are Cincinnati Insurance, Erie, USAA, Auto-Owners Insurance, and Nationwide. Each offers unique benefits for Cleveland drivers’ diverse needs.
Conclusion
Cleveland drivers have many auto insurance options, with USAA, State Farm, and GEICO offering the cheapest rates. Your location, driving history, credit score, and coverage needs can change your insurance costs. By comparing quotes and using discounts, Clevelanders can find policies that meet their budget and needs.
Shopping around and looking at customer satisfaction ratings, along with price, is key. This helps find the best car insurance in the Cleveland market.
Here’s a summary of the best auto insurance options in Cleveland, Ohio, for drivers:
USAA, State Farm, and GEICO offer the cheapest auto insurance in Cleveland, with prices from $785 to $815 a year. Your age, driving record, credit score, and coverage needs can affect the cost. By comparing quotes and using discounts, Clevelanders can get the best car insurance deals for their budget and needs.
Source Links
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1 Comment
Cleveland drivers have many auto insurance options, with USAA, State Farm, and GEICO offering the cheapest rates. Your location, driving history, credit score, and coverage needs can change your insurance costs. By comparing quotes and using discounts, Clevelanders can find policies that meet their budget and needs.