How Much Does Auto Insurance Cost in Cleveland?


It is common knowledge that Ohio has economical premiums, as its mean rate is 27% less than the national average. While premiums in in Cleveland are relatively low as well, it is still imperative to cut costs while insuring a vehicle. Who doesn't like saving money? Check out some ways to save on auto insurance in Cleveland.


CAR INSURANCE COSTS: CLEVELAND VS. STATE/NATIONAL MEAN
City AverageState AverageNational Average
$1,277$1,037$1,427


Cleveland Car Insurance by Marital Status and Gender


In Cleveland, both marital status and gender contribute to your auto insurance rates. Rates for those who are widowed are marginally cheaper than rates for those who are single. You spend around 4% more per year if you're single as opposed to married. Premiums are cheaper for men, but barely. Men normally pay $15 less than women each year for insurance.


CLEVELAND CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,292
Male$1,277
Single$1,277
Married$1,225
Divorced$1,277
Widowed$1,268


Cleveland Car Insurance for High-Risk Drivers


Do you know how much an accident or violation on your record can cost you in terms of car insurance premiums? Speeding 16-20mph over the speed limit can cost you in terms of insuring your vehicle. People with a speeding ticket on their driving record typically spend 19% more per year. In Cleveland, drivers with a DUI need to spend 71% more than the city average to insure their vehicle. Reckless driving will drive your rates up as well, with average rates of $1,975, which are 55% higher than the city average!


AVERAGE CLEVELAND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$2,178
Reckless Driving$1,975
At-fault Accident (damages less than $1,000)$1,955
At-fault Accident (damages greater than $2,000)$1,955
Speeding Ticket (16-20 mph over speed limit)$1,523


Cleveland Car Insurance Premiums by Age

The greatest dip in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Cleveland start paying 63% less in premiums. While premiums for drivers in Cleveland will continue to drop through their 50s, they should expect a change when they hit 60. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest payments among any age group, with rates of $1,115/year. However, people in their 60s ($1,146) aren’t paying much more. With typical car insurance payments of $4,959, teenage drivers have the most expensive rates out of all the age groups.


CLEVELAND AUTO INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$4,959
20s$1,826
30s$1,260
40s$1,220
50s$1,115
60s$1,146
70s$1,403


Cleveland Auto Insurance by Credit Level


For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. In terms of percent change, the biggest benefit of better credit occurs when boosting from Very Good (740-799) to Exceptional (800-850), by which drivers can save nearly 21% per year.


CLEVELAND CAR INSURANCE COSTS BY CREDIT LEVEL
CreditAverage Rate
Very Poor$2,393
Fair$1,956
Good$1,639
Very Good$1,351
Exceptional$1,074


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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

The Brooks & Stafford Company

55 Public Sq Ste 1650 Cleveland, OH 44113

Evarts Tremaine

1111 Superior Ave, Ste 420 Cleveland, OH 44114

Not sure about Cleveland

Check out these other Ohio cities...

Columbus

Cincinnati

Toledo

2

$1,228

The average Clevelander's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

196

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

See How Much You Can Save in Cleveland

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Recent Questions:

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