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 AverageNational Average
$1,235$1,047$1,548

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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
CompanyAverage Annual Rate
GEICO$794
Grange Insurance$899
Erie$994
Cincinnati Insurance$1,028
State Farm$1,035

Check out our guide to learn how to find the best cheap car insurance.



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
AgeAverage Annual Rate
Teens$5,616
20s$1,746
30s$1,217
40s$1,167
50s$1,098
60s$1,127
70s$1,408

Learn more about the impact of age on auto insurance rates.



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/GenderAverage Annual Rate
Female$1,231
Male$1,235
Single$1,160
Married$1,160
Divorced$1,235
Widowed$1,210

Learn more about how gender and marital status have on car insurance rates.



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
CitationAverage Annual Rate
DWI/DUI$1,964
Reckless Driving$1,958
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

Learn more about the impact of driving violations on car insurance rates.



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 LevelAverage Rate (annual)
Very Poor$2,386
Fair$1,487
Good$1,235
Very Good$1,103
Exceptional$1,000

Learn more about the relationship between poor credit and car insurance.



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.

155

Rainy Days a Year

39"

Avg. Annual Rainfall

68"

Avg. Annual Snowfall

Be Prepared For

Driving in Cleveland

2
Major Highways
I-77 I-71 I-90
2
Toll Roads
Ohio Turnpike
2
Popular Day Trips
Cedar Point Lake Erie Cuyahoga Valley National Park

Find Local Cleveland Agents

Evarts Tremaine

1111 Superior Ave, Ste 420, Cleveland, OH 44114

The Brooks & Stafford Company

55 Public Sq Ste 1650, Cleveland, OH 44113

Not sure about Cleveland

Check out these other Ohio cities:

Toledo

Cincinnati

Columbus

2

$1,228

The average Clevelander's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

196

That's equal to 196 cups of coffee or $491 in savings

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Recent Questions:

Cleveland Car Insurance

What is the minimum coverage I should keep on an old car that I am selling that isn’t worth much?

In Ohio, the state minimum liability requirements are 25/50/25 — comprehensive and collision are optional. If you're looking for the lowest coverage and the cheapest rate, that's the best option though this decision is completely up to you and what you're comfortable paying.

If I am leasing a car and die before the end of the lease term, can I buy insurance to cover that?

I recommend getting a life insurance policy is this is something you are concerned about. To my knowledge, there is not coverage within auto insurance that would help with the death of a policyholder.

What happens if a stolen vehicle is recovered before the insurance payout?

You need to report to the insurance company, that the car was recovered right away. The insurance should cover you for any damage that was caused, like having the keys stolen.

Why won't my car insurance company give me a refund?

Every car insurance company is different and has different guidelines so I can't speak to what your companies policy on refunds are specifically. Typically if you cancel your policy within days of starting it, you would receive some form of a refund.