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How much is car insurance in Cleveland?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Cleveland are about $31 a month cheaper than in the rest of Georgia.
Compared to the national average cost of auto insurance coverage, Cleveland has lower rates. On average, it's about $7 less to insure your vehicle in Cleveland than it is in the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Cleveland, and that the rate you get could end up being something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Cleveland and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $41 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement in Cleveland.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Cleveland, however, male and female drivers both pay about the same rate to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Cleveland, having a single accident on your record will usually get you rates around $91 a month. In addition, drivers with a single ticket on their record can expect to pay around $105 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$73|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Cleveland, with drivers paying around $63 per month to insure their vehicle.
Car owners can expect to pay an average of around $73 a month for their policy, while SUVs usually cost around $79 a month to insure.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Cleveland are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
On average, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Cleveland is no exception, with the difference totaling to around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor taken into consideration is your living situation. If you rent your home or apartment in Cleveland, expect to pay around $9 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Cleveland, GA
Recent trends in car insurance for Cleveland drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Cleveland, car insurance rates rose from 2016-2018, before leveling out in 2019. Policy premiums finished down in 2021, at $77 a month
How does Cleveland compare to neighboring areas?
Why are car insurance rates in Cleveland different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Off-street parking accessibility
- Road Safety (frequency of car accidents)
- Area crime rates
- Regional laws
- Total number of drivers
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Cleveland?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Cleveland.
Cleveland Insurance FAQs
What factors affect car insurance quotes in Cleveland?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Cleveland different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Cleveland?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Cleveland?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Cleveland or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?