Cheapest Car Insurance Quotes in Cleveland

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Cleveland Car Insurance

^$ 23

/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 $763 for a six-month policy, which is $40 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $407, 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

$763

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Cleveland

1st place: AAA

At $407 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: Iowa Farm Bureau

Iowa Farm Bureau offers auto insurance rates at $491 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $497 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, MN is AAA, offering policies at just $407 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $491.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1473 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, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$407	$69
Iowa Farm Bureau	$491	$82
Auto-Owners Insurance Co	$497	$85
Westfield	$497	$83
American Family	$604	$102
Travelers	$643	$108
West Bend Mutual	$643	$108
Nationwide	$762	$127
USAA	$773	$130
Auto-Owners	$835	$141
State Farm	$942	$159
West Bend	$948	$158
Allstate	$1169	$197
Farmers	$1473	$245

Key Takeaways

Way's key takeaways about car insurance in Cleveland

The auto insurance costs in Cleveland fall around $407 for six months.
The cheapest auto insurance company in Cleveland is Westfield.
Teen drivers pay the highest rate in Cleveland at $889 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.

Westfield provides the cheapest minimum car insurance coverage in Cleveland. Their Average 6 Month Premium is $136. Nationwide is the most expensive at $294 for the same period.

Cheapest Liability Coverage in Cleveland, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
West Bend Mutual	$192	$32
AAA	$198	$33
North Star Mutual	$209	$35
North Star Mutual Insurance	$209	$35
USAA	$209	$35
Auto-Owners	$237	$40
Auto-Owners Insurance Co	$237	$40
Iowa Farm Bureau	$237	$40
West Bend	$237	$40
Farmers Union Insurance	$242	$41
Travelers	$259	$44
American Family	$271	$46
State Farm	$271	$46
Western National	$288	$49
Allstate	$468	$79
Farmers	$660	$112
Nationwide	$294	$48

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 AAA at $69 per month and $407 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cleveland, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$407	$69
Iowa Farm Bureau	$491	$82
Auto-Owners Insurance Co	$497	$85
Westfield	$497	$83
American Family	$604	$102
Travelers	$643	$108
West Bend Mutual	$643	$108
Nationwide	$762	$127
USAA	$773	$130
Auto-Owners	$835	$141
State Farm	$942	$159
West Bend	$948	$158
Allstate	$1169	$197
Farmers	$1473	$245

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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, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Cleveland, Minnesota, may be increasing due to several external factors. Minnesota 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$632
30s	Farm Bureau Mutual	$451
40s	Farm Bureau Mutual	$447
50s	Farm Bureau Mutual	$375
60s	Farm Bureau Mutual	$385
70s	Farm Bureau Mutual	$451

Cheapest Car Insurance Rates for Teen Drivers in Cleveland,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cleveland at $28 per month. At $5332 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$28
North Star Mutual Insurance	$226	$38
Auto-Owners Insurance Co	$242	$41
AAA	$248	$42
Iowa Farm Bureau	$248	$42
Farmers Union Insurance	$259	$44
Umialik	$322	$55
Travelers	$824	$139
Auto-Owners	$1185	$200
USAA	$1259	$212
American Family	$1524	$257
State Farm	$1829	$308
Allstate	$3064	$516
Farmers	$5332	$889

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Cleveland.

As young drivers face the highest rates in Cleveland, Farm Bureau Mutual offers the cheapest auto insurance rates at $632 for six months.

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, West Bend Mutual is the cheapest car insurance provider. At $242 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 State Farm, offering rates of around $4887 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$242	$41
Westfield	$299	$49
Farmers Union Insurance	$333	$57
Iowa Farm Bureau	$468	$78
AAA	$530	$90
American Family	$1016	$171
USAA	$1411	$240
Travelers	$1687	$281
Auto-Owners	$2286	$389
Farmers	$2793	$466
Allstate	$3160	$538
State Farm	$4887	$814

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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, MN, 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 Westfield and Umialik, offering $198 and $248, respectively. Nationwide is an expensive provider with an average six-month premium of $390.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$198	$33
Umialik	$248	$42
Western National	$271	$46
Iowa Farm Bureau	$305	$52
Auto-Owners Insurance Co	$322	$53
Farmers Union Insurance	$328	$56
AAA	$333	$55
West Bend Mutual	$333	$57
North Star Mutual	$350	$58
North Star Mutual Insurance	$384	$66
Encompass	$418	$69
Auto-Owners	$604	$102
State Farm	$637	$107
Travelers	$672	$113
USAA	$773	$130
American Family	$937	$158
Allstate	$2043	$344
Farmers	$2195	$373
Nationwide	$390	$65

Cleveland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cleveland MN. For example, the car insurance in Cleveland after a DUI increases to $1038 for a six month policy. While the rate increases by $214 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	$971	$162
One Med/PIP claim	$982	$167
Not-at-fault accident	$998	$166
One comp claim	$1033	$176
Two Med/PIP claims	$1033	$172
Two comp claims	$1078	$183
Failure to wear a seat belt	$1106	$184
Failure to show documents	$1123	$191
Child safety restraint	$1140	$190
Driving without lights	$1140	$194
Driving with expired registration	$1163	$194
Cell phone violation	$1185	$201
Speeding 6 - 10 MPH over limit	$1185	$198
Texting while driving	$1185	$201
Following too closely	$1196	$200
Driving too slowly	$1202	$204
Failure to yield	$1202	$200
Illegal turn	$1202	$204
Speeding in school zone	$1202	$200
Wrong way/wrong lane	$1202	$204
Failure to stop at a red light	$1207	$201
Improper passing	$1207	$205
Speeding 11 - 15 MPH over limit	$1213	$202
Speeding 16 - 20 MPH over limit	$1225	$208
At-fault accident - less than $1000	$1253	$209
Passing school bus	$1253	$213
In 65 MPH zone	$1259	$210
Operating a vehicle without permission	$1264	$215
Speeding 21 - 25 MPH over limit	$1303	$218
At-fault accident - $1000-$2000	$1394	$237
Open container	$1399	$234
At-fault accident - greater than $2000	$1428	$243
Reckless driving	$1749	$292
Racing	$1806	$307
Driving with a suspended license	$1919	$320
Refusal to submit to a chemical test	$1941	$330
DUI	$2009	$334
Leaving scene of an accident/hit and run	$2082	$354

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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 Umialik at $248 for a six-month policy. However, it can be as expensive as $2223 with companies like Farmers.

Cleveland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$248	$42
West Bend Mutual	$259	$44
Western National	$259	$44
Farmers Union Insurance	$311	$53
Westfield	$350	$58
Iowa Farm Bureau	$457	$78
Country Financial	$485	$81
Auto-Owners Insurance Co	$519	$88
Travelers	$706	$119
State Farm	$751	$126
American Family	$846	$143
Auto-Owners	$1004	$169
USAA	$1021	$172
Allstate	$2105	$354
Farmers	$2223	$371

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 Westfield at $163. However, it can be as expensive as $2121 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cleveland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$28
Iowa Farm Bureau	$259	$44
West Bend Mutual	$259	$44
Western National	$259	$44
Auto-Owners Insurance Co	$271	$46
Farmers Union Insurance	$294	$50
State Farm	$530	$89
American Family	$610	$103
USAA	$722	$121
Auto-Owners	$733	$124
Travelers	$756	$126
Farmers	$1845	$314
Allstate	$2121	$353

Car Insurance Price Trends in Cleveland, Minnesota

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 rose by $168 in December compared to $167 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Cleveland remained steady at $47 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Cleveland?

The car insurance in Cleveland is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Cleveland?

The cheapest car insurance in Cleveland is $69 per month for full coverage.

How much is car insurance in Cleveland for teenagers?

Car insurance for teenagers costs $163 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 $803 for a six-month policy. It will cost around $127 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 Minnesota

National Average

Cheapest Car Insurance Companies in Cleveland

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Cleveland Car Insurance Rates by Company

Cheap Car Insurance Companies in Cleveland, MN

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, MN

Cheapest Full Coverage Car Insurance in Cleveland

Cheapest Full Coverage Car Insurance Quotes in Cleveland, MN

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, MN 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,MN

If you are in your twenties Farm Bureau Mutual 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, Minnesota

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, MN

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

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Data Sources