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How much is car insurance in Cleveland?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Cleveland as it does in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Cleveland is rather affordable. Car insurance rates for the United States as a whole are, on average, $12 more expensive than the rates you'd pay in Cleveland.
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. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Cleveland so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Cleveland Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates climb back up once you hit retirement age in Cleveland.
Cleveland Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Cleveland, this difference shakes out to about $8 per month. As you can see in the table above, female drivers in the area typically pay $65 on average, while female drivers typically pay $73 each month.
Cleveland Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Cleveland with a single accident will pay around $89 a month. Similarly, drivers with one ticket will typically pay around $92 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Cleveland Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$66|
In Cleveland, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $64 per month for auto insurance coverage.
Car owners will see rates of about $70, while truck and van owners usually pay around $69 a month.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Cleveland are vehicles eleven-to-fourteen years old.
Cleveland Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
Generally speaking, those who are currently married will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Cleveland can be as much as $12 a month, so it's worth keeping that in mind.
Cleveland Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
Another factor taken into consideration is your housing situation. Drivers who own property in Cleveland can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, 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, TX
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.
Car insurance rates in Cleveland increased from 2020-2021, before steadying out in 2022. They finished down in 2022, at $65 per month
How does Cleveland compare to neighboring areas?
Why are car insurance rates in Cleveland different from other areas?
Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Road safety
- Area laws
- Off-street parking availability
- Number of drivers in the area
- Prevalence of crime
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.
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.
Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Cleveland.
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Cleveland Auto Insurance FAQs
What factors affect car insurance quotes in Cleveland?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Cleveland different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Cleveland?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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, 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.
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