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Finding the cheapest car insurance quotes in Cleveland shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 $688 for a six-month policy, which is $68 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $308, 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.
At $308 for a six
month policy, American National P&C offers
the cheapest
auto
insurance rates in the city.
2nd place: South Carolina Farm Bureau
South Carolina Farm Bureau offers auto
insurance rates at $400 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American National
American National offers auto insurance
rates at $443
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, SC is American National P&C, offering policies at just $308 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $400.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $956 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.
Way's key takeaways about car insurance in Cleveland
The auto insurance costs in Cleveland fall around $308 for six
months.
The cheapest auto insurance company in Cleveland is American National.
Teen drivers pay the highest rate in Cleveland at $25 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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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.
American National provides
the cheapest minimum car insurance
coverage in Cleveland. Their Average 6 Month Premium is $136.
State Farm is the most
expensive at $432 for the same
period.
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 American National P&C
at $53 per month and $308
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cleveland,
SC
Get Your Car Insurance Quote in Cleveland
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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, SC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cleveland, South Carolina, may be increasing due to several external factors.
South Carolina 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
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Cheapest Car Insurance Rates for Teen Drivers in
Cleveland,SC
If you are planning to get a car insurance policy for your teenage
dependent, American National P&C provides the cheapest car
insurance in the Cleveland at $33
per
month. At $146 for a six-month premium,
American National offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Cleveland.
As young drivers face the highest rates in Cleveland, N/A
offers the cheapest auto insurance rates at $N/A 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,
South Carolina Farm Bureau is
the cheapest car insurance provider. At $406 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 $3373 for six
months.
Save up to $971/yr on car insurance rates in Cleveland.
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, SC,
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 National
and American National P&C, offering $173
and $222,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1665.
Here is a list of driving violations that can increase your car
insurance rates in Cleveland SC. For example, the car
insurance in Cleveland
after a DUI increases to $632 for a six
month policy. While the rate increases by $276 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
$1092
$182
One Med/PIP claim
$1092
$186
Not-at-fault accident
$1151
$192
Two Med/PIP claims
$1162
$197
One comp claim
$1168
$195
Two comp claims
$1206
$205
Failure to wear a seat belt
$1249
$208
Child safety restraint
$1276
$217
Driving without lights
$1276
$213
Failure to show documents
$1287
$218
Failure to yield
$1324
$221
Failure to stop at a red light
$1330
$226
Driving too slowly
$1368
$228
Speeding 6 - 10 MPH over limit
$1368
$233
Speeding in school zone
$1368
$228
At-fault accident - less than $1000
$1373
$234
In 65 MPH zone
$1373
$228
Driving with expired registration
$1379
$235
Following too closely
$1379
$229
Illegal turn
$1379
$235
Speeding 11 - 15 MPH over limit
$1379
$229
Wrong way/wrong lane
$1379
$235
Cell phone violation
$1384
$230
Texting while driving
$1384
$236
Improper passing
$1390
$231
Operating a vehicle without permission
$1390
$237
Speeding 16 - 20 MPH over limit
$1390
$231
Speeding 21 - 25 MPH over limit
$1390
$237
Passing school bus
$1411
$235
Open container
$1421
$242
At-fault accident - $1000-$2000
$1568
$261
At-fault accident - greater than $2000
$1568
$267
Refusal to submit to a chemical test
$1703
$284
DUI
$1724
$293
Reckless driving
$1767
$295
Driving with a suspended license
$1773
$301
Racing
$1778
$297
Leaving scene of an accident/hit and run
$1838
$312
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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 American National P&C at $248 for a six-month policy.
However, it can be as
expensive as $211 with companies
like American National.
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 American National P&C
at $222. However,
it can be as expensive as $1022
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Cleveland after Speeding ticket
Car Insurance Price Trends in Cleveland,
South Carolina
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
$158 in December
compared to $157 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 rose to $53 in December,
compared to $50 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Cleveland by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cleveland. At $1375 for a
six-month policy, insuring
your car at 29635 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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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 $53 per month
for full coverage.
How much is car insurance in Cleveland for teenagers?
Car insurance for teenagers costs $195 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 $756 for a six-month
policy. It will cost around $116 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.
What is the best car insurance in Cleveland,
SC?
The best car insurance company in Cleveland
SC is
American National P&C, offering $308 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cleveland, SC
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Cleveland Car Insurance
