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.

Cleveland, TX Car Insurance Quotes for 2026

Updated May 28, 2026

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How does Cleveland stack up to the rest of the area, or even Texas as a whole? What rates should residents of Cleveland expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Cleveland?

Area	Average Monthly Car Insurance Premium
Cleveland	$68
TX	$65
United States	$80

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!

The Cheapest Car Insurance Companies in Cleveland, Texas

We’ve broken down the cheapest car insurance companies in Cleveland, Texas, in the table below.

The below rates in Cleveland, TX, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.

Company	Average Monthly Premium
Sun Coast	$44
Mile Auto	$45
State Farm	$45
Certainly	$50
Progressive	$51
Mile Auto	$52
Direct Auto	$53
State Farm	$53
USAA	$54
Progressive	$59
AssuranceAmerica	$60
Freedom National	$60
GEICO	$60
Erie	$61
Auto-Owners	$62
Auto-Owners	$62
The General	$62
Travelers	$62
State Farm	$63
Erie	$66
Trexis	$66
Auto-Owners	$67
Commonwealth Casualty	$67
GEICO	$67
USAA	$68
The General	$70
Safeco	$71
Certainly	$72
Safeco	$72
State Farm	$73
Country Financial	$74
Trexis One	$74
American Family	$76
GAINSCO	$76
Allstate	$79
Dairyland	$79
Mendota	$79
Nationwide	$79
Mile Auto	$81
National General	$83
Allstate	$84
AssuranceAmerica	$84
First Acceptance	$84
Trexis	$85
USAA	$85
Allstate	$89
Trexis One	$89
Farmers	$90
Mile Auto	$90
Progressive	$91
Liberty Mutual	$93
First Acceptance	$94
Foremost	$95
Bristol West	$96
Elephant	$96
Direct Auto	$97
Root	$97
Elephant	$99
GAINSCO	$100
Clearcover	$101
GEICO	$101
Bristol West	$104
Foremost	$105
Progressive	$105
Dairyland	$110
Nationwide	$110
Root	$112
USAA	$112
Mercury	$114
Allstate	$116
National General	$116
CSAA	$120
Mercury	$122
Liberty Mutual	$124
Travelers	$126
First Acceptance	$128
The General	$129
Chubb	$130
Farmers	$130
Alinsco	$133
Root	$134
Bristol West	$136
Lone Star	$136
GEICO	$137
Clearcover	$139
GAINSCO	$140
Nationwide	$140
Commonwealth Casualty	$141
Freedom National	$141
Dairyland	$142
Direct Auto	$143
GAINSCO	$144
Clearcover	$145
Bristol West	$146
Root	$147
Covercube	$150
Mendota	$152
The General	$152
AssuranceAmerica	$156
AssuranceAmerica	$156
Safeco	$160
Sun Coast	$160
Safeco	$161
National General	$162
Trexis One	$163
Foremost	$164
Direct Auto	$165
Mendota	$168
National General	$169
Loop	$171
State Auto	$173
Elephant	$174
First Acceptance	$176
Nationwide	$176
State Auto	$179
Trexis	$180
Chubb	$190
Trexis One	$195
21st Century	$220
Liberty Mutual	$264
Liberty Mutual	$289

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cleveland Car Insurance Rates by Age

Age Range	Average Premium
Under 18	Not Enough Data
18-24	$111
25-34	$65
35-44	$63
45-54	Not Enough Data
55-64	$46
65+	$53

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

Gender	Average
Male	$73
Female	$65

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
1 Accident	$89
Multiple Accidents	$88
1 Ticket	$92
Multiple Tickets	$81

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

Category	Price
Car	$70
SUV	$64
Truck/Van	$69

Vehicle Age	Average Monthly Premium
Less Than 1 Year	$72
2-3 Years	$69
4-5 Years	$56
6-7 Years	$71
8-10 Years	$68
11-14 Years	$75
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
Married	$62
Divorced	$52
Widowed	$50

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
Own	$62
Rent	$67
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.

Recent trends in car insurance for Cleveland drivers

Category	Price
2017	$67
2018	$67
2019	$61
2020	$65
2021	$74
2022	$65

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?

Category	Price
HOUSTON	$77
SPRING	$74
KATY	$78
SAN ANTONIO	$62
HUMBLE	$79

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.

Cleveland Auto Insurance FAQs

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.

About Compare.com

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