Cheapest car insurance companies in Cleveland
According to a study by Insurance.com, the cheapest car insurance companies in Cleveland for 2023 are Grange Mutual and Auto-Owners.
The car insurance company in Cleveland that provides the cheapest car insurance premiums is Grange Mutual, with an average annual rate of $1,129 .
Car insurance prices in Cleveland can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Cleveland drivers.
| Companies | Average annual rates |
|---|---|
| USAA | $1,084 |
| Grange Mutual | $1,129 |
| Auto-Owners | $1,335 |
| Travelers | $1,434 |
| Erie Insurance | $1,445 |
| Geico | $1,653 |
| Progressive | $1,781 |
| Cincinnati Insurance | $1,822 |
| Westfield Insurance | $1,886 |
| Farmers | $2,140 |
| Allstate | $2,359 |
Cheapest car insurance cost in Cleveland by Age Group
USAA stands out as Cleveland's cheapest auto insurance company for teen drivers at an average annual of $3,107. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
For young drivers in Cleveland, USAA has the cheapest auto insurance rates, with an average annual cost of $1,751 annually.
For Cleveland drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $1,100 annually.
If you are a senior driver in Cleveland and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,089 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,107 | $1,751 | $1,100 | $1,089 |
| Auto-Owners | $3,698 | $2,322 | $1,353 | $1,383 |
| Geico | $3,931 | $2,127 | $1,645 | $1,750 |
| Erie Insurance | $3,978 | $2,433 | $1,466 | $1,556 |
| Grange Mutual | $4,319 | $1,916 | $1,105 | $1,156 |
| Travelers | $5,025 | $2,341 | $1,468 | $1,488 |
| Westfield Insurance | $5,384 | $3,110 | $1,984 | $1,950 |
| Cincinnati Insurance | $5,463 | $3,174 | $1,800 | $1,844 |
| Allstate | $8,149 | $3,551 | $2,432 | $2,382 |
| Progressive | $8,321 | $3,090 | $1,801 | $1,872 |
| Farmers | $9,015 | $3,528 | $2,067 | $2,171 |
Cheapest car insurance companies in Cleveland by driver profile
Your driving profile plays an important role in determining your car insurance rates in Cleveland. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
When it comes to finding the cheapest car insurance rates in Cleveland, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.
Here are some of the cheapest car insurance companies in Cleveland based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: Nationwide
- Cheapest for accident: Nationwide
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
If you're a Cleveland driver with poor credit, Nationwide is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,123 annually.
Drivers with poor or bad credit scores in Cleveland can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,123 |
| Geico | $1,315 |
| USAA | $1,582 |
| Travelers | $1,671 |
| Progressive | $2,338 |
| State Farm | $2,506 |
| Farmers | $2,661 |
| Allstate | $2,926 |
Cheapest for drivers with a speeding ticket: Nationwide
In Cleveland, Nationwide provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,087, on average.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| Nationwide | $1,087 |
| USAA | $1,120 |
| State Farm | $1,221 |
| Travelers | $1,523 |
| Geico | $1,669 |
| Progressive | $1,736 |
| Farmers | $2,296 |
| Allstate | $2,345 |
Cheapest auto insurance after an at-fault accident: Nationwide
According to Insurance.com's analysis, Nationwide tops the list of cheap car insurance providers in Cleveland for drivers involved in at-fault accidents, with an average annual cost of $1,240. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,240 |
| State Farm | $1,322 |
| USAA | $1,548 |
| Travelers | $1,551 |
| Geico | $1,942 |
| Progressive | $2,283 |
| Farmers | $2,695 |
| Allstate | $3,166 |
Cheapest auto insurance after a DUI: State Farm
In Cleveland, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,221 a year.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| State Farm | $1,221 |
| USAA | $1,360 |
| Nationwide | $1,739 |
| Progressive | $1,811 |
| Travelers | $1,911 |
| Geico | $2,296 |
| Farmers | $2,765 |
| Allstate | $3,079 |
Average car insurance cost in Cleveland
In Cleveland, the average annual cost for full coverage car insurance is around $1,643, which breaks down to approximately $137 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Cleveland is about $440.
Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,643 | $440 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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