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How much is car insurance in Cleveland?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $32 a month cheaper to insure your vehicle in Cleveland than it is in the rest of Georgia.
When stacked up against the national average, the average monthly policy payment for Cleveland is more affordable. It's about $7 cheaper than the national average to insure your vehicle in Cleveland.
While these are the average car insurance rates for Cleveland, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
But don't worry, we've broken down average rates for Cleveland residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Cleveland Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Cleveland drivers may see their rates climb back up once they hit retirement.
Cleveland Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Cleveland, the difference is around $4 a month. As you can see in the table above, female drivers in the area typically pay $72 on average, while female drivers typically pay $76 each month.
Cleveland Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Cleveland with a single accident will pay around $106 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $86 on average.
Cleveland Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$73|
In terms of affordable coverage, the cheapest vehicles to insure in Cleveland are typically trucks and vans, at $70 per month.
SUV drivers will see rates of about $78, while the rates for car owners average out to about $73 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Cleveland, vehicles two-to -three years old are the most expensive to insure.
Cleveland Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
In Cleveland, the difference in rates based on relationship status can be as much as $8 a month.
Cleveland Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Cleveland. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Cleveland, GA
Recent trends in car insurance for Cleveland drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Cleveland, car insurance rates went up from 2017-2018, before leveling out in 2019. Insurance rates increased again, reaching a high of $90 in 2021, and finished down at $64 in 2022.
How does Cleveland compare to neighboring areas?
Why are car insurance rates in Cleveland different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- General road safety (how many accidents each locality has)
- Rate of crime
- Number of drivers in the area
- Regional laws
- Off-street parking availability
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.
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 to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Cleveland.
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Cleveland Auto Insurance FAQs
What factors affect car insurance quotes in Cleveland?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Cleveland different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Cleveland?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Cleveland or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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