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Key Takeaways

  • A year's cost of car insurance costs approximately $1,337 in Cleveland, Ohio.
  • Grange Insurance in Cleveland provides business and regular insurance to customers.
  • In Cleveland, the cost difference in auto insurance premiums between young and older drivers is $3,870, which is the highest cost difference for any two age groups.
  • In Cleveland, men pay $16 more per year for car insurance than female drivers.
  • Lowering your credit score to "Fair" might save you $899 on your insurance rates per year.

Car Insurance in Cleveland

Cleveland may be small, but it has personality thanks to the annual, which includes a barn dance and a competition to consume the most yam pies, among other things. However, with premiums averaging more than 7% above the state average, this Houston-area town isn't the place to go if you're seeking affordable auto insurance.

How Much Does Car Insurance Cost in Cleveland?

Cleveland (annual average) Ohio (annual average) United States
$1337 $1059 $1557

In Cleveland, Ohio, a year's worth of auto insurance costs $1,337 on average. However, auto insurance in Cleveland is less expensive than the $1,557 national average and more expensive than the average in Ohio ($1,059). Continue reading to find out how much you can estimate pay in Cleveland according to your marital status, age, credit score, and other characteristics.

Ohio's average cost of auto insurance varies depending on the city and the insurance company. Way.com looks at the latest insurance costs in Cleveland, Ohio, to find the best reasonable quotes in the region.

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Cleveland Auto Insurance Premiums by Company

Company Average Annual Premium
Grange Insurance $901
Erie $1006
Cincinnati Insurance $1040
State Farm $1047

The insurance provider you use is one of the most significant factors in determining your auto insurance premiums. Grange Insurance offers the most affordable premiums for the ordinary insurance consumer in Cleveland.

Cleveland Auto Insurance Premiums by Age Group

Age Group Average Annual Premium
Teens $5628
20s $1758
30s $1229
40s $1179
50s $1110
60s $1139
70s $1420

The age group that enjoys the lowest auto insurance rates in Cleveland are drivers in their 50s, who pay an average of $1,110per year. However, rates for Cleveland drivers in their 60s are also relatively affordable, at just $1,139 per year.

Teenage drivers pay Cleveland's most expensive insurance rates. However, when drivers hit their 20s in Cleveland and move out of the teenage age bracket, they reduce their premiums substantially. As a result, the cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Cleveland is $3,870, the largest difference between any two age brackets.

Cleveland Auto Insurance Premiums by Marital Status

Marital status Average Annual Premium
Single $1172
Married $1172
Divorced $1247
Widowed $1222

A driver's marital status may occasionally impact the cost of their auto insurance. Because they are more prone to file claims, single drivers typically pay more than married drivers. In Cleveland, married drivers' auto insurance costs are $75 less than those of single drivers. Widowed people also pay far less in rates than single people do. In Cleveland, widowers' insurance premiums are less expensive than for single people.

Cleveland Auto Insurance Premiums by Gender

Gender Average Annual Premium
Male $1231
Female $1247

Another element that may impact auto insurance premiums is gender. For example, male drivers in Cleveland pay $16 more annually for auto insurance than female drivers.

Cleveland Auto Insurance Premiums by Driving Record

Violation/ accident history Average Annual Premium
DUI $1976
Reckless Driving $1970
At fault accident (damages <$1000) $1785
At fault accident (damages >$1000) $1933
Speeding ticket (16-20 mph over speed limit) $1522

Maintaining a spotless driving record is a smart strategy to keep your vehicle insurance rates low, regardless of where you live is important. At-fault incidents, DUIs and DWIs, reckless driving tickets, and speeding tickets frequently increase rates.

Regarding car insurance, Cleveland drivers who are found guilty of reckless driving pay the price, with a rate rise of $724 annually compared to the city average. On average, a speeding ticket raises insurance rates by $275, while a DUI infraction raises premiums by $730 annually.

Cleveland Auto Insurance Premiums by Credit Rating

Credit Tier Average Annual Premium
Very poor $2398
Fair $1499
Good $1247
Very Good $1115
Exceptional $1012

Credit has a significant role in insurance rating. Drivers with poor credit often pay more for auto insurance than those with strong credit. For example, drivers in Cleveland who raise their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) see a 58 percent reduction in their insurance costs. A significant step toward lowering the cost of auto insurance is upgrading from "Very Poor" to "Fair" credit. In Cleveland, dropping your credit score to "Fair" could result in an $899 savings on your yearly insurance costs.

Cleveland Auto Insurance Premiums by Zip code

Zip code Average Annual Premium
77328 $1057
77327 $1246

Your rate may differ not just from state to state or city to city but even from block to block due to state laws and risk assessments connected to zip codes.

Auto Insurance in Cleveland: Minimum auto insurance requirements in Ohio

In Ohio, drivers must have:

  • property damage liability coverage of at least $25,000 and
  • bodily injury liability coverage of $50,000 per accident and per person.

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Auto theft statistics in Cleveland

Year Auto thefts (per 100000)
2006 6534
2007 6782
2008 5283
2009 4031
2010 3503
2011 4093
2012 3761
2013 4125
2014 3838
2015 4199
2016 3325
2017 2970
2018 2778
2019 3135

Be prepared for driving in Cleveland

  • Wear a seatbelt; doing so greatly reduces your risk of suffering serious injuries in an accident.
  • Always be aware of your surroundings. Use your mirrors to check for motorbikes, bicycles, and pedestrians.
  • Make sure your lights are on and in functioning order for better visibility.
  • Avoid any distractions while driving by turning off your phone before you start.
  • Avoid drinking and driving since even a small amount of alcohol can make you unable to drive.

How to Get Cheap Auto Insurance in Cleveland, Ohio

Car insurance premiums can rise quickly, especially if you wish to add a variety of coverages to your policy. There are still options to acquire vehicle insurance discounts:

  • To choose the cheapest insurer, compare several quotations.
  • Find out whether there are many discounts, such as those for being a careful driver or bundling your auto and homeowners or renters' insurance, available.
  • Activate autopay (some companies offer a discount for this).
  • Drive carefully.
  • Whenever feasible, reduce your mileage.
  • An automobile with safety and anti-theft measures is mandatory.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQ

Which Ohio auto insurance company is the best?

In the state, there are more than a dozen reputable carriers. The finest auto insurance provider will reflect your unique needs. Although USAA might be the best option for some families, it is not widely available. Other companies, like State Farm, Grange Insurance, Cincinnati Insurance, and Erie, are fierce competitors for affordable, good coverage. Getting quotes from many providers and comparing costs and coverage options is the best approach to choosing the best insurance company.

What determines your insurance costs in Cleveland?

Your residence determines your Cleveland car insurance costs. Where you live is one of the main determinants of the vehicle insurance premiums you'll pay, along with your driving record and credit score. The cause? By ZIP code, crime, theft, and uninsured drivers differ.

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