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How much is car insurance in Cleveland?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $4 a month more expensive to insure your vehicle in Cleveland than it is in the rest of Texas.
That being said, when compared to the national average, the cost for auto insurance in Cleveland is lower. Car insurance rates for the United States as a whole are, on average, $12 more expensive than the rates you'd pay in Cleveland.
While these are the average monthly costs for auto insurance coverage in Cleveland, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down average rates for Cleveland residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates climb back up once you hit retirement age in Cleveland.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Cleveland is around $6 per month. Based on the chart above, you can see that male drivers pay $72 on average, while female drivers typically pay $66 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Cleveland, drivers with one accident on their record will experience rates around $87 a month. In addition, drivers with a single ticket on their record can expect to pay around $93 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$65|
In terms of affordable coverage, the cheapest vehicles to insure in Cleveland are by and large SUVs, at $64 per month.
Car owners, on the other hand, typically pay around $71 a month, while truck and van drivers can expect to pay about $70 per month for auto insurance coverage.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Cleveland, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
Generally, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Cleveland can be as much as $11 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
Your housing situation is another component of how insurance companies calculate your monthly rate. Homeowners in Cleveland can expect to pay around $7 a month less than those who rent. 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 overall costs, depending on your insurance company.
Car Insurance Companies in Cleveland, TX
Recent trends in car insurance for Cleveland drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The cost of auto insurance coverage in Cleveland went up from 2020-2021, before steadying out in 2022. Policy premiums finished down in 2022, at $67 a 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 lot of factors when figuring out how much individual insurance policies will cost. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Access to off-street parking
- Regional regulations
- Amount of drivers in the community
- Road Safety (frequency of car accidents)
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. 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?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans 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 you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, 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 parking situations, local laws, and crime rates 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?
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 however, 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Cleveland or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.