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How much is car insurance in Cleveland?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Cleveland as it does in the rest of Ohio.
Drivers relocating from out of state may enjoy some cost savings in Cleveland. It's about $17 cheaper than the national average to insure your vehicle in Cleveland.
Although these are the average rates for auto insurance in Cleveland, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've analyzed the average rate for Cleveland and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay almost two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates begin to creep back up a bit once you hit retirement age.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Cleveland, however, the difference in monthly rates for car insurance is minimal.
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, a driving record with one accident will usually get you a rate around $80 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $84.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can get keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$62|
In terms of affordable coverage, the cheapest vehicles to insure in Cleveland are by and large trucks and vans.
The policies for car owners average around $63, while SUV owners typically see rates of around $58 to insure each month.
On the other hand, truck and van drivers typically pay around $56.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, your rates may start to dip back down a bit. In Cleveland, however, the most expensive vehicles to insure are vehicles four-to-five years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Generally speaking, car insurance is cheaper for married policy-holders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in Cleveland is pretty significant -- married drivers save about $16 a month when compared to the rates single drivers pay.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $9 a month more than those who own their own home in Cleveland. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Cleveland, OH
Recent trends in car insurance for Cleveland drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Cleveland, auto insurance rates increased from 2016-2017, before steadying out in 2018. Rates finished up in 2021, at $63 per 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 a lot of factors. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Road Safety (frequency of car accidents)
- Total number of drivers
- Regional regulations
- Off-street parking accessibility
- Local crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Cleveland?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Cleveland in no time.
Cleveland Insurance FAQs
What factors affect car insurance quotes in Cleveland?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Cleveland different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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?