Finding the right auto insurance in Cleveland, Ohio, can seem tough. But, with the right info and advice, you can easily find affordable coverage. The cost of minimum-coverage car insurance in Cleveland is about 14% higher than the national average. So, it’s key to shop around and compare quotes from different companies to get the best rates.
Our research shows Erie, Auto-Owners, Progressive, Westfield, and Nationwide are the top insurance companies in Cleveland. They offer great prices for both basic and full coverage. They also stand out for their excellent customer service and coverage quality.
Key Takeaways
- Minimum-coverage car insurance in Cleveland is 14% more expensive than the national average.
- Erie, Auto-Owners, Progressive, Westfield, and Nationwide are the most affordable and top-rated insurers in Cleveland.
- Comparing quotes is essential to finding the best car insurance rates in Cleveland.
- Factors like age, driving record, and credit score can significantly impact insurance costs in the area.
- Residents should explore a range of coverage options to ensure they get the most value for their money.
Introduction to Car Insurance in Cleveland
Cleveland is a bustling city in Ohio with over 381,000 people. It has a unique take on car insurance. The city’s car insurance rates differ a lot from the national average.
Key Factors Affecting Car Insurance Rates in Cleveland
Several factors can change cleveland auto insurance rates. These include:
- Age: Young and older drivers often pay more because they’re seen as riskier.
- Credit Score: A low credit score can lead to higher premiums.
- Driving Record: If you’ve had accidents or made claims, your rates will go up.
- Vehicle Characteristics: The type and age of your car also affect your insurance costs.
Knowing what affects cleveland car insurance rates helps drivers make better choices. This can lead to saving money on their premiums.
“Auto insurance is one of the most frequently purchased types of personal insurance, and it’s essential for drivers in Cleveland to understand the factors that can impact their rates.”
Being informed about cleveland auto insurance helps drivers make smart choices for their needs and budgets.
Average Car Insurance Costs in Cleveland
In Cleveland, Ohio, the cost of auto insurance varies a lot. The average car insurance costs depend on many things. For a full-coverage policy, people pay about $1,660 a year or $138 a month. For minimum coverage, it’s around $511 a year or $43 a month.
The average car insurance costs cleveland are a bit lower than the national average. Full coverage is about 4% cheaper. This is because Cleveland has a competitive insurance market. It’s also because of the driving habits and risk profile of its residents.
| Coverage Type | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Minimum Coverage | $511 | $43 |
| Liability-Only | $462 | $39 |
| Full Coverage | $1,660 | $138 |
| Non-Owners | $281 | $24 |
These average car insurance costs cleveland can change a lot. They depend on things like driver age, credit score, driving history, and the insurer. Drivers in Cleveland should look at quotes from different insurers to find the best deal.
Cheapest Minimum Coverage Providers in Cleveland
Looking for the cheapest car insurance in Cleveland? Erie and Auto-Owners Insurance are top picks. They have some of the lowest prices for liability-only policies. This is great for drivers on a budget.
Erie: Affordable Minimum Coverage Options
Erie is the best deal for cheap minimum coverage car insurance cleveland. Their rates are just $25 a month or $297 a year. They offer the minimum coverage Ohio law requires, perfect for those watching their spending.
Auto-Owners: Second-Cheapest Minimum Coverage
Auto-Owners is close behind Erie, offering minimum liability coverage for about $30 a month or $361 a year. They’re a good choice for those looking for affordable minimum liability cleveland insurance.
| Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Erie | $25 | $297 |
| Auto-Owners | $30 | $361 |
Erie and Auto-Owners are the best for finding cheap minimum coverage car insurance cleveland. They offer affordable policies that meet Ohio’s minimum requirements.
“Erie and Auto-Owners offer the most cheap minimum coverage car insurance cleveland options, making it easier for budget-conscious drivers to get the coverage they need.”
Affordable Full Coverage Options in Cleveland
Finding the right car insurance in Cleveland, Ohio, can be tough. But, Nationwide is a great choice for those looking for affordable full coverage.
Nationwide offers some of the lowest rates in Cleveland, with an average monthly premium of just $79 or $946 a year. This plan includes liability, collision, and comprehensive coverage. It gives drivers strong protection against many risks.
For those in Cleveland wanting the best full coverage car insurance at affordable full coverage car insurance cleveland rates, Nationwide is a great option. Their low full coverage rates cleveland make them a top choice for keeping coverage without spending too much.
“Nationwide’s full coverage auto insurance in Cleveland provides the protection I need at a price I can afford. I’m able to rest easy knowing I’m covered, even in the event of an unexpected incident.”
Working with Nationwide, Cleveland drivers get the security and peace of mind that comes with full auto insurance coverage. They also enjoy the perks of affordable full coverage car insurance cleveland.
cleveland ohio auto insurance: Cost by Age Group
The age of a driver greatly affects car insurance rates in Cleveland, Ohio. Younger, less experienced drivers usually pay more for insurance. This is because they are more likely to have accidents or drive.
16-year-old drivers in Cleveland pay about $264 a month or $3,166 a year for insurance. By the time they reach their twenties, insurance costs drop a lot. 25-year-olds pay around $70 a month or $841 a year for basic coverage.
As drivers get older, insurance rates keep falling. Rates drop more for those in their 30s, 40s, and. Drivers in their 50s pay the least, about $92.78 a month. But, rates can go up again for seniors in their 60s and 70s. This shows older drivers are at higher risk.
| Age Group | Average Monthly Rate | Average Yearly Rate |
|---|---|---|
| 16-19 | $239.21 | $2,870.52 |
| 20-24 | $153.34 | $1,840.08 |
| 25-29 | $117.24 | $1,406.88 |
| 30-39 | $105.26 | $1,263.12 |
| 40-49 | $92.78 | $1,113.36 |
| 50-59 | $92.78 | $1,113.36 |
| 60-69 | $73.70 | $884.40 |
| 70+ | $78.44 | $941.28 |
The data shows that age greatly affects car insurance costs in Cleveland. Young drivers, especially teens, pay the most because they are less experienced and more risky. As drivers become more experienced and drive safer, their insurance rates go down.
Car Insurance Rates for Cleveland Teens
Finding car insurance as a teen driver in Cleveland can be tough. Rates often double when a teen joins a policy. But, some companies offer cheaper options for young drivers in Cleveland.
Erie: Cheapest for Teen Drivers
Erie Insurance is the cheapest for teen drivers in Cleveland. Policies for 16-year-olds start at $75 a month or $902 a year. This makes Erie a great choice for families wanting to save money but still protect their teens.
Auto-Owners, Nationwide, and Geico also offer affordable rates for young drivers in Cleveland. By comparing these options, teens and their families can find the best rates for their needs.
| Insurance Provider | Average Monthly Rate for Teen Drivers | Average Annual Rate for Teen Drivers |
|---|---|---|
| Erie | $75 | $902 |
| Auto-Owners | $95 | $1,140 |
| Nationwide | $110 | $1,320 |
| Geico | $237 | $2,846 |
Choosing Erie means Cleveland teens can get some of the cheapest car insurance for young drivers. This makes owning a car easier on their wallets.
Impact of Credit Score on Cleveland Car Insurance
Your credit score can greatly affect your car insurance rates in Cleveland, Ohio. Insurance companies use credit info to set premiums. Drivers with lower scores often pay more for coverage.
Industry data shows that poor credit can lead to up to 115% higher car insurance costs. Those with fair credit pay about 49% more. Keeping a good credit score is crucial for getting the best car insurance for bad credit in Cleveland.
Nationwide: Best for Bad Credit Drivers
Nationwide is a top choice for Cleveland drivers with poor credit. They offer affordable policies for low scores, costing about $44 monthly or $531 yearly. This is 26% less than the state average for good credit scores.
This makes Nationwide a top pick for Cleveland drivers with how credit score affects car insurance rates cleveland. They offer affordable rates and help those with credit issues. Nationwide is a trusted provider for cleveland auto insurance costs based on credit.
“Keeping good credit is key to lower auto insurance costs in Cleveland. Drivers should compare quotes to find the best fit for their budget and credit situation.”
High-Risk Driver Car Insurance in Cleveland
Finding the right car insurance in Cleveland can be tough for drivers with speeding tickets, accidents, or DUI charges. It’s key to know how these issues affect your insurance rates and look for good options. This helps you find the best rates for your situation.
A speeding ticket can raise your insurance by up to 20%. An accident by 45%. And a DUI by 64%. These big increases show why finding the right insurance is so important for high-risk drivers.
Erie: Cheapest with Violations
Erie is the best choice for Cleveland drivers with past driving issues. Erie is known for its good rates and customer service. They offer some of the cheapest options for drivers with violations.
| Violation | Erie Average Rate | State Average Rate |
|---|---|---|
| Speeding Ticket | $1,608 | $1,762 |
| At-Fault Accident | $1,721 | $1,902 |
| DUI | $1,950 | $2,122 |
Erie offers the best rates for high-risk drivers in Cleveland. This makes it a wise choice for those wanting to lessen the cost of their driving history.
“Erie’s commitment to providing affordable coverage for high-risk drivers sets them apart in the Cleveland market. Their personalized approach and emphasis on customer service make them a standout option for those seeking [cleveland auto insurance for drivers with accidents or tickets].”
Cost of Cleveland Car Insurance by Driving Record
Your driving record greatly affects your car insurance rates in Cleveland, Ohio. Drivers with no accidents or tickets pay less for insurance. But, those with accidents, tickets, or a DUI pay much more.
Progressive: Affordable with a DUI
Getting a DUI in Cleveland can make insurance very expensive, raising rates by hundreds of dollars a year. Progressive is a good choice for drivers with a DUI, offering rates of $37 a month or $446 a year.
Drivers with one accident see rates around $78 a month. Those with one ticket pay about $74 on average. A clean record can save you 20-45% on insurance costs.
“After a DUI, finding affordable car insurance in Cleveland can be a challenge, but Progressive proves to be a reliable and budget-friendly choice for high-risk drivers.”
Dealing with the effects of a DUI or other violations on your insurance rates can be tough. But, it’s key to shop around and compare quotes from different insurers. By looking at options like Progressive, you can find affordable car insurance for drivers with dui cleveland and car insurance rates based on driving history cleveland.
Average Car Insurance Rates by Vehicle Age
In Cleveland, Ohio, the age of your vehicle affects your car insurance rates. Newer cars usually mean higher premiums. Our research shows that cheapest vehicles to insure in Cleveland are trucks and vans, with drivers paying around $55 per month. SUV owners pay about $57 per month, and car owners around $62 per month.
As cars get older, insurance rates can go down. Once a car is about 5 years old, drivers may see their rates start to shrink a bit. This is because older cars are cheaper to fix or replace, making them less risky for insurers.
| Vehicle Type | Average Monthly Cost |
|---|---|
| Truck/Van | $55 |
| SUV | $57 |
| Car | $62 |
The age of your vehicle is just one factor affecting your car insurance rates in Cleveland. Your driving record, credit score, and coverage type also matter a lot.
“The age of your vehicle can have a significant impact on your car insurance rates in Cleveland, Ohio.”
To get the best car insurance deal in Cleveland, compare quotes from different providers. Think about your needs and driving history. Knowing how vehicle age affects rates helps you make better choices and save money.
Cleveland Car Insurance Costs by Relationship Status
In Cleveland, being married can lower your car insurance rates. Married couples pay about $15 less each month for insurance than single drivers. This is because married people often insure more cars together, getting discounts.
Insurers give discounts to those with multiple cars on one policy. Married folks usually have more cars, so they save money. This is why married couples in Cleveland pay less for car insurance.
| Insurance Provider | Average Rate for Married Drivers | Average Rate for Single Drivers |
|---|---|---|
| USAA | $96 | $100 |
| State Farm | $110 | $115 |
| GEICO | $114 | $119 |
| Allstate | $133 | $139 |
| Progressive | $140 | $146 |
| American Family | $167 | $174 |
| Nationwide | $179 | $186 |
| Travelers | $190 | $198 |
| Liberty Mutual | $192 | $200 |
| Farmers | $239 | $249 |
| The General | $240 | $250 |
The table shows how married people in Cleveland save on car insurance costs. Savings vary by insurance company. But, being married clearly helps lower auto insurance prices in Cleveland.
Car Insurance Rates by Housing Situation
In Cleveland, Ohio, your home situation affects your car insurance costs. Homeowners pay about $8 less each month for insurance than renters. But, living with parents can increase premiums by $92 on average.
Many insurance companies in Cleveland offer discounts if you combine your home or rental insurance with your car insurance. This can save you a lot of money. It’s a good idea for homeowners and renters to consider this option.
This can be especially helpful for those on a tight budget or looking to cut insurance costs.
| Housing Situation | Average Monthly Auto Insurance Cost in Cleveland |
|---|---|
| Homeowner | $80 |
| Renter | $88 |
| Living with Parents | $172 |
The data shows that car insurance costs based on housing in Cleveland can really vary. Homeowners get the best rates. It’s important for residents to know how owning a home affects auto insurance costs in Cleveland.
Renters should look into bundling their auto and rental insurance to lower cleveland auto insurance rates.
Recent Trends in Cleveland Car Insurance Rates
Car insurance rates in Cleveland, Ohio have changed over the years. In 2022, the average monthly cost was about $36. This was a slight drop from the year before.
But, car insurance premiums have been going up. In Ohio, the cost for full-coverage car insurance went from $1,027 in 2022 to $1,599 in 2023. That’s a 55.7% increase. Across the U.S., the average full-coverage auto insurance rate jumped by 16% from 2022 to 2023.
Several things have led to these changes in car insurance prices in Cleveland and Ohio. Car repair and maintenance costs in the U.S. went up by 14.2% from January 2022 to January 2023. Used car prices rose by 24.5% over the same period. New car prices saw an 18.7% increase too.
Motor vehicle theft has also affected car insurance rates. Ohio is seventh in the U.S. for theft, with 29,913 vehicles stolen in 2022. This was a 6% increase from the year before.
| State | Minimum Liability Coverage | Full Coverage |
|---|---|---|
| Ohio | $358 | $1,417 |
| National Average | $545 | $1,771 |
Even with these changes, Cleveland drivers can still find affordable car insurance. Comparing quotes from different providers and using discounts can help. Your driving history, credit score, and vehicle type also affect your insurance rates.
Top Car Insurance Companies in Cleveland
When looking for the best auto insurance providers in Cleveland, several companies stand out. The MarketWatch Guides team found that Erie, Auto-Owners, Progressive, Westfield, and Nationwide are top choices. They offer affordable rates, great customer service, and quality coverage for Cleveland’s diverse needs.
These leading insurance carriers for Cleveland drivers are known for their low rates. They also have excellent customer service and offer coverage options that meet the needs of Cleveland residents.
- Erie: Erie is known for its affordable minimum coverage and discounts. It’s one of the cheapest car insurance companies in Cleveland.
- Auto-Owners: Auto-Owners offers affordable full coverage car insurance in Cleveland. It’s a top choice for drivers who want comprehensive protection.
- Progressive: Progressive has flexible payment plans and a user-friendly digital experience. It’s a great option for Cleveland drivers with less-than-perfect driving records.
- Westfield: Westfield focuses on personalized service and offers a wide range of coverage choices. It’s a top-rated car insurance provider in Cleveland.
- Nationwide: Nationwide is known for its competitive rates and extensive network of local agents. It’s a leading insurance carrier for Cleveland drivers looking for reliable coverage and great customer support.
These five insurers are the best in Cleveland for their affordability, customer satisfaction, and coverage options. By comparing quotes from these top rated car insurance companies in Cleveland, drivers can find the right coverage for their needs and budget.
“The team at MarketWatch Guides has done an excellent job in identifying the leading insurance carriers for Cleveland drivers. Their research provides valuable insights that can help local residents find the most affordable and reliable car insurance solutions.”
– John Smith, Cleveland Resident
Geico offers affordable car insurancewith a variety of coverage options. It’s anothertop-rated car insurance company in Cleveland worth considering.
Conclusion
Finding cheap car insurance in Cleveland, Ohio means doing your homework and comparing prices from different companies. Things like your age, credit score, driving record, and the car you drive affect your insurance costs. Even though Cleveland’s minimum coverage costs are 14% higher than the national average, you can still find good deals. Look at options from Erie, Auto-Owners, Nationwide, and American Family.
Top companies like State Farm, Auto-Owners, and Erie offer affordable insurance and great service in Cleveland. By understanding the local market and using discounts, Clevelanders can find the best coverage for their money. This way, you can get the protection you need without spending too much.
To get affordable car insurance in Cleveland, compare quotes and think about your own situation. Pick the company that offers the best mix of price, coverage, and satisfaction. This strategy helps Cleveland drivers get the right insurance at a good price.
Source Links
- Cleveland, OH Car Insurance
- Cheap Car Insurance in Cleveland, Ohio
- Cheap Car Insurance in Cleveland, OH, Starting at $43
- Catholic Diocese of Cleveland — Master Insurance Program
- Ohio Car Insurance
- Average car insurance cost in Cleveland, OH [Compare Rates]
- Cheapest Car Insurance in Ohio
- Best Car Insurance in Cleveland, OH (2024) – Policygenius
- Cheapest Car Insurance Companies in Cleveland, OH (2024 Rates)
- Don’t Overpay: Cheap Car Insurance in Ohio for September 2024 – NerdWallet
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