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 Average||State Average||National Average|
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/Gender||Average Rate|
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
|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
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
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
See How Much You Can Save in Cleveland
Just enter your zip code to get started
Cleveland Car Insurance
What happens if a stolen vehicle is recovered before the insurance payout?
My stolen car was recovered by police the day after I reported it stolen to the police and the insurance ...
Cleveland Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...