Cheapest car insurance companies in Cleveland
Progressive and Geico have the cheapest car insurance premiums for Cleveland drivers in 2023, based on a data study by Insurance.com.
Progressive is the cheapest option for most Cleveland drivers, with an average annual rate of $1,183 .
The cost of car insurance in Cleveland varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Cleveland.
| Companies | Average annual rates |
|---|---|
| Progressive | $1,183 |
| USAA | $1,384 |
| Geico | $1,803 |
| State Farm | $1,928 |
| Shelter Insurance | $1,930 |
| AFR Insurance | $2,003 |
| Mercury Insurance | $2,598 |
| Allstate | $2,732 |
| Farmers | $2,843 |
| Oklahoma Farm Bureau | $3,488 |
Cheapest car insurance cost in Cleveland by Age Group
The cheapest auto insurance company in Cleveland for teen drivers is AFR Insurance. For full coverage, its average annual rate for Cleveland drivers is $3,229. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
Progressive is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Cleveland at about $1,998 per year.
For Cleveland drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Progressive provides the cheapest car insurance premiums, offering full coverage policies at $1,191 annually.
Cleveland senior drivers seeking affordable car insurance should look no further than Progressive. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,031. It makes Progressive a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| AFR Insurance | $3,229 | $2,388 | $2,016 | $2,091 |
| USAA | $3,967 | $2,070 | $1,399 | $1,419 |
| State Farm | $4,784 | $2,955 | $1,927 | $1,794 |
| Shelter Insurance | $5,567 | $3,560 | $1,993 | $1,811 |
| Progressive | $5,825 | $1,998 | $1,191 | $1,031 |
| Geico | $5,975 | $2,630 | $1,790 | $1,825 |
| Oklahoma Farm Bureau | $8,605 | $5,414 | $3,396 | $2,977 |
| Allstate | $10,157 | $4,159 | $2,709 | $2,790 |
| Mercury Insurance | $10,342 | $4,826 | $2,640 | $2,612 |
| Farmers | $11,255 | $4,871 | $2,710 | $2,816 |
Cheapest car insurance companies in Cleveland by driver profile
When determining car insurance rates in Cleveland, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Cleveland that suits your budget.
Here's a list of car insurance companies that offer cheap insurance rates in Cleveland based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Cleveland drivers at about $1,622 per year.
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 |
|---|---|
| Geico | $1,622 |
| USAA | $1,931 |
| Allstate | $2,697 |
| Farmers | $2,835 |
| Progressive | $4,438 |
| State Farm | $6,662 |
Cheapest for drivers with a speeding ticket: USAA
USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Cleveland. Its full coverage car insurance policy costs an average of $1,341 per year for drivers aged 30.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| USAA | $1,341 |
| State Farm | $1,483 |
| Geico | $1,857 |
| Allstate | $2,030 |
| Farmers | $2,370 |
| Progressive | $3,597 |
Cheapest auto insurance after an at-fault accident: State Farm
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Cleveland with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,558 annually.
| Company | Average annual rates |
|---|---|
| State Farm | $1,558 |
| USAA | $1,687 |
| Geico | $2,260 |
| Allstate | $2,585 |
| Farmers | $2,709 |
| Progressive | $4,718 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the carrier that offers cheap auto insurance rates in Cleveland for drivers after a DUI. Its average annual rate for full coverage is $1,483.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,483 |
| USAA | $1,987 |
| Allstate | $2,723 |
| Farmers | $2,797 |
| Geico | $3,015 |
| Progressive | $3,619 |
Average car insurance cost in Cleveland
In Cleveland, the average annual cost for full coverage car insurance is around $2,189, which breaks down to approximately $182 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 $429.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,189 | $429 |
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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