Cheapest Car Insurance Quotes in Cleveland

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Cleveland Car Insurance

^$ 25

/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 $1214 for a six-month policy, which is $35 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $845, 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

$1214

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Cleveland

1st place: Mercury

At $845 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $887 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $985 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, OK is Mercury, offering policies at just $845 for a six-month term. This is followed by USAA, which has an average six-month premium of $887.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1701 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, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$845	$142
USAA	$887	$149
Progressive	$985	$166
State Farm	$1028	$173
Shelter	$1120	$188
American Farmers & Ranchers Mutual	$1248	$212
Farm Bureau	$1315	$219
Oklahoma Farm Bureau	$1321	$225
Farmers	$1395	$235
AFR Group	$1523	$259
Allstate	$1701	$286

Key Takeaways

Way's key takeaways about car insurance in Cleveland

The auto insurance costs in Cleveland fall around $845 for six months.
The cheapest auto insurance company in Cleveland is Mercury.
Teen drivers pay the highest rate in Cleveland at $43 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.

Mercury provides the cheapest minimum car insurance coverage in Cleveland. Their Average 6 Month Premium is $147. Allstate is the most expensive at $593 for the same period.

Cheapest Liability Coverage in Cleveland, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$147	$25
American Farmers & Ranchers Mutual	$165	$28
USAA	$196	$33
AFR Group	$233	$39
State Farm	$245	$41
Progressive	$251	$42
Shelter	$300	$50
Oklahoma Farm Bureau	$337	$56
Farm Bureau	$373	$64
Farmers	$551	$93
Allstate	$593	$100

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 Mercury at $142 per month and $845 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cleveland, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$845	$142
USAA	$887	$149
Progressive	$985	$166
State Farm	$1028	$173
Shelter	$1120	$188
American Farmers & Ranchers Mutual	$1248	$212
Farm Bureau	$1315	$219
Oklahoma Farm Bureau	$1321	$225
Farmers	$1395	$235
AFR Group	$1523	$259
Allstate	$1701	$286

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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, OK increasing?

Despite maintaining a clean driving record, your car insurance rates in Cleveland, Oklahoma, may be increasing due to several external factors. Oklahoma 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	USAA	$755
30s	USAA	$585
40s	USAA	$536
50s	USAA	$514
60s	USAA	$525
70s	USAA	$607

Cheapest Car Insurance Rates for Teen Drivers in Cleveland,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Cleveland at $38 per month. At $256 for a six-month premium, American Farmers & Ranchers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AFR Group	$227	$38
Mercury	$233	$39
USAA	$1205	$203
State Farm	$1896	$319
Progressive	$2393	$403
Shelter	$3016	$508
Farm Bureau	$3934	$668
Oklahoma Farm Bureau	$4044	$674
Allstate	$4760	$801
Farmers	$6950	$1170
American Farmers & Ranchers	$256	$43

Teen Car Insurance Rates in OK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Cleveland.

As young drivers face the highest rates in Cleveland, USAA offers the cheapest auto insurance rates at $755 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, Mercury is the cheapest car insurance provider. At $196 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 $3402 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$196	$33
Oklahoma Farm Bureau	$331	$57
Progressive	$918	$155
USAA	$1180	$201
Farm Bureau	$1321	$220
Shelter	$2117	$359
Allstate	$2349	$391
Farmers	$3377	$575
State Farm	$3402	$567

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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, OK, 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 American Farmers & Ranchers Mutual and Mercury, offering $159 and $300, respectively. Farmers is an expensive provider with an average six-month premium of $2601.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$159	$27
Mercury	$300	$50
AFR Group	$373	$62
State Farm	$581	$98
USAA	$679	$114
Oklahoma Farm Bureau	$881	$148
Progressive	$972	$164
Farm Bureau	$1438	$244
Shelter	$1469	$247
Allstate	$2368	$399
Farmers	$2601	$438

Cleveland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cleveland OK. For example, the car insurance in Cleveland after a DUI increases to $649 for a six month policy. While the rate increases by $293 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	$1224	$204
One comp claim	$1248	$212
One Med/PIP claim	$1248	$208
Two Med/PIP claims	$1261	$214
Not-at-fault accident	$1267	$211
Two comp claims	$1273	$216
Failure to show documents	$1352	$226
Failure to wear a seat belt	$1395	$237
Child safety restraint	$1401	$234
Driving without lights	$1401	$238
Driving with expired registration	$1426	$238
Cell phone violation	$1444	$245
Driving too slowly	$1444	$241
Speeding in school zone	$1444	$245
Texting while driving	$1444	$241
Failure to yield	$1456	$247
Failure to stop at a red light	$1463	$244
Following too closely	$1469	$249
Illegal turn	$1469	$245
Wrong way/wrong lane	$1480	$251
Improper passing	$1486	$248
In 65 MPH zone	$1511	$256
Speeding 11 - 15 MPH over limit	$1517	$253
Speeding 6 - 10 MPH over limit	$1517	$258
Passing school bus	$1523	$254
Speeding 16 - 20 MPH over limit	$1523	$259
Open container	$1548	$258
Speeding 21 - 25 MPH over limit	$1560	$266
At-fault accident - less than $1000	$1567	$261
Operating a vehicle without permission	$1652	$281
At-fault accident - $1000-$2000	$1664	$277
At-fault accident - greater than $2000	$1664	$283
Reckless driving	$1805	$301
Refusal to submit to a chemical test	$1848	$314
DUI	$1873	$312
Racing	$1927	$328
Driving with a suspended license	$2031	$339
Leaving scene of an accident/hit and run	$2031	$345

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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 Mercury at $275 for a six-month policy. However, it can be as expensive as $2356 with companies like Farmers.

Cleveland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$275	$46
Progressive	$697	$117
State Farm	$881	$148
USAA	$1022	$172
Shelter	$1664	$280
Oklahoma Farm Bureau	$2019	$337
Farm Bureau	$2074	$352
Allstate	$2215	$373
Farmers	$2356	$397

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 Mercury at $214. However, it can be as expensive as $2820 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
Mercury	$214	$36
Oklahoma Farm Bureau	$300	$50
State Farm	$520	$88
Progressive	$728	$123
USAA	$795	$133
Shelter	$1248	$212
Farm Bureau	$1315	$219
Allstate	$1798	$306
Farmers	$2820	$470

Car Insurance Price Trends in Cleveland, Oklahoma

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 $229 in December compared to $225 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Cleveland rose to $48 in December, compared to $46 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cleveland?

The car insurance in Cleveland is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Cleveland?

The cheapest car insurance in Cleveland is $142 per month for full coverage.

How much is car insurance in Cleveland for teenagers?

Car insurance for teenagers costs $227 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 $1179 for a six-month policy. It will cost around $205 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 Oklahoma

National Average

Cheapest Car Insurance Companies in Cleveland

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Cleveland Car Insurance Rates by Company

Cheap Car Insurance Companies in Cleveland, OK

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, OK

Cheapest Full Coverage Car Insurance in Cleveland

Cheapest Full Coverage Car Insurance Quotes in Cleveland, OK

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, OK 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,OK

If you are in your twenties USAA 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, Oklahoma

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, OK

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

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