How much does auto insurance cost in Cleveland?
The average cost of car insurance in Cleveland, Ohio, is $1,235 each year. That's more expensive than the average in Ohio ($1,047) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Cleveland.
CLEVELAND CAR INSURANCE RATES
|Cleveland Average (yearly)||Ohio Average||National Average|
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Cleveland auto insurance costs by company
One of the most important determinants of your car insurance rates is the insurance company you work with. In Cleveland, GEICO offers the cheapest premiums for the typical insurance buyer. We've gathered the best cheap car insurance companies in Cleveland below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
CLEVELAND AUTO INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
Cleveland car insurance premiums by age
The age group that enjoys the lowest auto insurance rates in Cleveland are drivers in their 50s, who pay an average of $1,098per year. Rates for Cleveland drivers in their 60s are also relatively affordable, at just $1,127 per year.
Teenage drivers pay Cleveland's most expensive insurance rates. When drivers hit their 20s in Cleveland and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Cleveland is $3,870, the largest such difference between any two age brackets.
CAR INSURANCE RATES BY AGE TIER IN CLEVELAND
|Age||Average Annual Rate|
Cleveland car insurance rates by marital status and gender
In some cases, a driver's marital status and gender may affect their car insurance rates. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Cleveland pay $75 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Cleveland, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can affect auto insurance rates. Cleveland's car insurance cost gap by gender is $4 per year, with male drivers paying more than female drivers.
CLEVELAND AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Cleveland auto insurance costs by accident and citation history
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Cleveland drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $724 per year versus the city average. A ticket for speeding results in a $275 rate hike, on average, while a DUI violation costs $730per year in insurance premiums.
CLEVELAND CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Citation||Average Annual Rate|
|At-fault Accident (damages < $1,000)||$1,773|
|At-fault Accident (damages greater than $2,000)||$1,921|
|Speeding Ticket (16-20 mph over speed limit)||$1,510|
Cleveland car insurance premiums by credit score
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Cleveland drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 58% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Cleveland, improving your credit to "Fair" could help you earn an $899 decrease in yearly insurance premiums.
CLEVELAND CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Rate (annual)|
What drives up car insurance rates in Cleveland?
Where you live in Cleveland affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Cleveland is no exception to the rule. From ZIP code 44140 to 44104, premiums rise by 9 percent—that’s $109.
Expensive Cleveland ZIP codes: 44103, 44110, 44115, 44127, 44104
Cheap Cleveland ZIP codes: 44140, 44138, 44145, 44142, 44126
Cleveland Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Cleveland, you can expect 155 rainy days with an annual rainfall of 39.1 inches. Cleveland is also known to experience severe winter storms.
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