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How much is car insurance in Cleveland?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Cleveland are about the same as the rest of Texas.
Compared to the rest of the country, auto insurance in Cleveland is more affordable. It's around $13 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these are the average monthly costs for auto insurance coverage in Cleveland, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The bill 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.
But don't worry, we've broken down the average rate for Cleveland residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay $53 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up in Cleveland.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Cleveland, where women pay around $9 less per month than men. Based on the chart above, you can see that female drivers pay around $63 on average, while male drivers typically pay $72 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Cleveland with one accident will pay around $84 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $76.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$65|
In terms of affordable coverage, the cheapest vehicles to insure in Cleveland are usually SUVs, at $64 per month.
Truck and van drivers will see rates of about $67 for insurance coverage, while car owners by and large pay around $69 a month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Cleveland are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Overall, married policyholders will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Cleveland is no exception, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$116|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in Cleveland. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Cleveland, TX
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 shopping for coverage.
The cost of auto insurance coverage in Cleveland increased from 2016-2017, where it reached a high of $67, before leveling out in 2018. Insurance rates have risen again in recent years, finishing at $66 per month in 2021.
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 numerous factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Availability of off-street parking
- Regional laws
- Road Safety (frequency of local car accidents)
- Rate of crime
- Total number of drivers
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
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.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Cleveland.
Cleveland 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 marital status, credit score, address, and driving record.
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 crime rates, parking situations, 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 will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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.