Car Insurance in Cleveland
On average, premiums in Cleveland surpass Ohio's average by $240. Why don't we go over some tips on how to save on car insurance in Cleveland?
- City Average: $1,277
- State Average: $1,037
- National Average: $1,427
Cleveland Car Insurance by Accident or Violation History
Maintaining an unblemished driving record is vital if you want to keep your insurance rates low. In general, a DUI in Cleveland will cost you 71% more in car insurance premiums versus the city average of $1,277. Reckless driving will push your rates up as well, with typical rates of $1,975, which are 55% higher than the city average! Do you want to increase your car insurance rates by $246? If not, watch your speed because a ticket for speeding by 16-20mph in Cleveland will trigger that rise.
- DUI: $2,178
- Reckless Driving: $1,975
- At-fault Accident (damages less than $1000): $1,955
- At-fault Accident (damages greater than $2000): $1,955
- Speeding Ticket (16-20 mph over speed limit): $1,523
Cleveland Car Insurance by Credit Rating
People with Very Poor credit (300-579) pay an average of more than twice as much every year on premiums than those with Exceptional credit (800-850). Moving from Very Poor (300-579) to Fair (580-669) hands over the greatest reduction in premiums to drivers, as they save around $277 per year.
- Very Poor: $2,393
- Fair: $1,956
- Good: $1,639
- Very Good: $1,351
- Exceptional: $1,074
Cleveland Car Insurance by Age
Cleveland drivers see the largest dip in premiums when they reach their 20s, as they pay an average of 63% less after moving out of the teenage age bracket. Rates for drivers continue to shrink through their 50s, but they can anticipate an increase when they turn 60. With car insurance payments of $4,959 on average, teenage drivers have the most expensive rates of any age group. Among all age groups, drivers in their 50s have the smallest insurance payments, with rates of $1,115. People in their 60s ($1,146) also have relatively low premiums.
- Teenagers: $4,959
- 20s: $1,826
- 30s: $1,260
- 40s: $1,220
- 50s: $1,115
- 60s: $1,146
- 70s: $1,403
Cleveland Car Insurance by Gender and Marital Status
Both marital status and gender affect your car insurance premiums in Cleveland. Premiums for men and women typically vary by a mere 1%, with women paying more. Individuals who are single spend around $50 more per year compared to those who are married. Rates for those who are widowed are marginally cheaper than rates for those who are single.
- Female: $1,292
- Male: $1,277
- Single: $1,277
- Married: $1,225
- Divorced: $1,277
- Widowed: $1,268
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Cleveland
Car Insurance Companies in Cleveland
The average Clevelander's annual cost of coverage
Our customer's average savings after comparing insurance
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Cleveland Car Insurance
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