Table of contents
How much is car insurance in Cleveland?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Cleveland | $51 |
| TN | $52 |
| United States | $80 |
As you can tell by looking at the chart above, car insurance rates in Cleveland are about the same as the rest of Tennessee.
Likewise, car insurance rates in Cleveland are often favorable when viewed against the rest of the country. The average monthly payment in Cleveland is about $29 cheaper than the rate for the rest of the United States.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you for your car 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 monthly bill might look like. 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 |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $81 |
| 25-34 | $48 |
| 35-44 | $46 |
| 45-54 | Not Enough Data |
| 55-64 | $36 |
| 65+ | $44 |
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay $37 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Cleveland drivers may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $53 |
| Female | $50 |
Female drivers pay, on average, slightly less than their male counterparts. In Cleveland, although women do pay a bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $74 |
| Multiple Accidents | $70 |
| 1 Ticket | $62 |
| Multiple Tickets | $97 |
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Cleveland with a single accident will pay around $74 a month. In addition, drivers with one ticket can expect to pay around $62 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $59 |
| 2-3 Years | $47 |
| 4-5 Years | $37 |
| 6-7 Years | $54 |
| 8-10 Years | $58 |
| 11-14 Years | $54 |
| 15 Years or Older | $47 |
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Cleveland, with drivers paying around $49 per month for auto insurance coverage.
Car owners can expect to pay an average of around $51 a month for their policy, while SUVs usually cost around $53 a month to insure.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Cleveland, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $55 |
| Married | $45 |
| Divorced | $43 |
| Widowed | $32 |
Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Cleveland follows that pattern, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $45 |
| Rent | $51 |
| Live with parents | $77 |
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $6 a month more than drivers who own property in Cleveland. But if you live with your parents, your rates will be significantly higher.
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, TN
Recent trends in car insurance for Cleveland drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of car insurance in Cleveland had been decreasing from 2016-2017, before steadying out in 2018. Rates finished down in 2021, at $46 per month
How does Cleveland compare to neighboring areas?
Why are car insurance rates in Cleveland different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Community regulations
- Road Safety (frequency of local car accidents)
- Total amount of drivers in the community
- Crime levels
- Amount of off-street parking
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?
Arming 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.
But hold on! Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Cleveland.
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Cleveland different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Cleveland?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Cleveland?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Cleveland or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.