Cheapest Car Insurance Quotes in Cleveland

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Cleveland Car Insurance

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/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cleveland

The car insurance rate in Cleveland is $1349 for a six-month policy, which is $276 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $803, making it a popular choice for budget-conscious drivers. Rates in Cleveland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cleveland

$1349

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Cleveland

1st place: Travelers

At $803 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $897 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $981 for six months, making it the third cheapest auto insurance company in Cleveland.

Cleveland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cleveland, FL is Travelers, offering policies at just $803 for a six-month term. This is followed by State Farm, which has an average six-month premium of $897.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1982 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cleveland drivers find the best deals.

Cheap Car Insurance Companies in Cleveland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$803	$135
State Farm	$897	$151
Nationwide	$981	$165
Progressive	$1040	$175
United Automobile Ins Group	$1134	$189
UAIC	$1243	$212
Allstate	$2026	$338
Mercury	$2140	$364
MetLife	$1247	$212
Farmers	$1982	$330

Key Takeaways

Way's key takeaways about car insurance in Cleveland

The auto insurance costs in Cleveland fall around $803 for six months.
The cheapest auto insurance company in Cleveland is Travelers.
Teen drivers pay the highest rate in Cleveland at $1146 per month.

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Cheapest Minimum Liability Car Insurance in Cleveland

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cleveland are given below.

Travelers provides the cheapest minimum car insurance coverage in Cleveland. Their Average 6 Month Premium is $295. Farmers is the most expensive at $547 for the same period.

Cheapest Liability Coverage in Cleveland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$295	$50
State Farm	$320	$54
Mercury	$355	$60
Nationwide	$394	$67
MetLife	$414	$69
AIG	$463	$79
Progressive	$582	$98
United Automobile Ins Group	$597	$101
UAIC	$646	$108
Allstate	$740	$125
Patrons Insurance	$104	$17
Farmers	$547	$91

Cheapest Full Coverage Car Insurance in Cleveland

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cleveland is Travelers at $135 per month and $803 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cleveland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$803	$135
State Farm	$897	$151
Nationwide	$981	$165
Progressive	$1040	$175
United Automobile Ins Group	$1134	$189
UAIC	$1243	$212
Allstate	$2026	$338
Mercury	$2140	$364
MetLife	$1247	$212
Farmers	$1982	$330

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Average Car Insurance in Cleveland by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cleveland, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Cleveland, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cleveland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cleveland

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Cleveland,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Cleveland at $75 per month. At $6740 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$449	$75
AIG	$607	$103
Travelers	$1321	$222
State Farm	$1588	$267
UAIC	$2115	$356
United Automobile Ins Group	$2795	$476
Allstate	$3451	$581
Progressive	$4442	$748
Mercury	$5256	$885
Farmers	$6740	$1146

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cleveland, Nationwide is the cheapest car insurance provider. At $537 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cleveland is Farmers, offering rates of around $2741 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$537	$91
Mercury	$587	$98
Direct General Insurance	$612	$104
UAIC	$1189	$198
Travelers	$1301	$219
Progressive	$2287	$381
Allstate	$4013	$682
State Farm	$4107	$685
Farmers	$2741	$466

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Car Insurance Rates with An Accident in Cleveland

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cleveland, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cleveland

The cheapest car insurance companies after an at-fault accident in Cleveland include Nationwide and AIG, offering $567 and $725, respectively. Farmers is an expensive provider with an average six-month premium of $2766.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$567	$95
AIG	$725	$123
State Farm	$843	$142
Travelers	$858	$144
United Automobile Ins Group	$1474	$246
Mercury	$1523	$256
UAIC	$1543	$257
Progressive	$2021	$340
Allstate	$3599	$606
Farmers	$2766	$461

Cleveland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cleveland FL. For example, the car insurance in Cleveland after a DUI increases to $778 for a six month policy. While the rate increases by $236 for a six-month policy in the case of a speeding ticket.

Cleveland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1514	$252
One Med/PIP claim	$1514	$257
Not-at-fault accident	$1637	$273
Two Med/PIP claims	$1682	$286
One comp claim	$1706	$285
Child safety restraint	$1711	$291
Failure to wear a seat belt	$1711	$286
Driving without lights	$1716	$291
Failure to show documents	$1716	$286
Speeding 6 - 10 MPH over limit	$1750	$298
Improper passing	$1755	$292
Passing school bus	$1755	$299
Wrong way/wrong lane	$1755	$292
Failure to stop at a red light	$1760	$300
Failure to yield	$1760	$293
Illegal turn	$1760	$300
Cell phone violation	$1765	$294
Driving with expired registration	$1765	$300
Following too closely	$1765	$294
Texting while driving	$1770	$301
Two comp claims	$1809	$301
Driving too slowly	$1819	$310
Speeding in school zone	$1819	$303
Speeding 11 - 15 MPH over limit	$1824	$310
In 65 MPH zone	$1888	$315
Speeding 16 - 20 MPH over limit	$1888	$321
Speeding 21 - 25 MPH over limit	$1898	$316
Open container	$1918	$326
Operating a vehicle without permission	$1918	$320
At-fault accident - less than $1000	$2081	$354
At-fault accident - $1000-$2000	$2115	$353
At-fault accident - greater than $2000	$2115	$359
Racing	$2287	$381
DUI	$2292	$390
Refusal to submit to a chemical test	$2292	$382
Driving with a suspended license	$2332	$397
Reckless driving	$2381	$397
Leaving scene of an accident/hit and run	$2406	$409

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cleveland after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cleveland.

The cheapest car insurance premiums in Cleveland are offered by AIG at $533 for a six-month policy. However, it can be as expensive as $2253 with companies like Farmers.

Cleveland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$533	$90
Travelers	$872	$147
Progressive	$1001	$168
State Farm	$1203	$203
Allstate	$1627	$274
UAIC	$2091	$349
Farmers	$2253	$375

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cleveland are offered by Nationwide at $463. However, it can be as expensive as $2406 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cleveland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$463	$77
State Farm	$587	$99
Travelers	$666	$112
Allstate	$1745	$294
UAIC	$1908	$318
Progressive	$2337	$398
Farmers	$2406	$409

Car Insurance Price Trends in Cleveland, Florida

Car insurance rates in Cleveland have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cleveland dipped by $212 in January compared to $229 of December. In other words, there has been an decrease by $17 when you compare January and December.

The average cost of liability insurance in the Cleveland dipped to $69 in January, compared to $70 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cleveland?

The car insurance in Cleveland is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Cleveland?

The cheapest car insurance in Cleveland is $135 per month for full coverage.

How much is car insurance in Cleveland for teenagers?

Car insurance for teenagers costs $449 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cleveland?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $227 per month to insure your car in Cleveland.

Is car insurance expensive in Cleveland?

Car insurance can be expensive in Cleveland if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cleveland can be affordable.

Cheapest Car Insurance Quotes in Cleveland

Why you can trust Way?

How Much Is Car Insurance in Cleveland

Avg. Car Insurance in Cleveland

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Cleveland

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Cleveland Car Insurance Rates by Company

Cheap Car Insurance Companies in Cleveland, FL

Way's key takeaways about car insurance in Cleveland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cleveland

Cheapest Liability Coverage in Cleveland, FL

Cheapest Full Coverage Car Insurance in Cleveland

Cheapest Full Coverage Car Insurance Quotes in Cleveland, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cleveland by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cleveland, FL increasing?

Car Insurance Premiums by Age in Cleveland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cleveland,FL

If you are in your twenties N/A is the best choice for car insurance in Cleveland.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cleveland

Cheapest Car Insurance Companies after an At-Fault Accident in Cleveland

Cleveland Car Insurance Rates by Violation

Cleveland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cleveland after a DUI

Cleveland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cleveland after Speeding ticket

Car Insurance Price Trends in Cleveland, Florida

Average Car Insurance Cost in Cleveland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cleveland, FL

Car Insurance Rates by State in the USA (2025 Update)

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