What's the Cost of Car Insurance in Cleveland?
Cleveland premiums are $274 greater than the state average, which is why the city is recognized for its pricey premiums. Review our ways to save on Cleveland car insurance and save money.
CAR INSURANCE COSTS: CLEVELAND VS. STATE/US AVERAGES
|City Average||State Average||National Average|
Cleveland Auto Insurance Rates by Age
When you look across all age groups, drivers in their 50s tend to have the smallest car insurance premiums. Their rates typically average $1,122 per year. The most significant dip in premiums for Cleveland drivers happens when they hit their 20s. Once out of the teenage age range, individuals reduce their premiums by 61%. While insurance rates for drivers in Cleveland will continue to decline through their 50s, they should anticipate to pay more when they turn 60. With car insurance payments of $4,846 on average, teenage drivers have the highest rates out of all the age groups.
CLEVELAND AUTO INSURANCE PREMIUMS BY AGE
Cleveland Car Insurance After Accidents or Violations
Have you been involved in an at-fault accident or committed a moving violation?? That may cost you in terms of car insurance premiums. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Insurance rates are affected by at-fault accident history, and more specifically, by the extent of the damage that resulted from the accidents. Being at-fault in an accident with damages exceeding $2,000 costs you another $155 per year in premiums compared to an accident with damages less than $1,000. Usually, a DUI in Cleveland will cost you 54% more in car insurance premiums versus the city average ($1,285). Reckless driving will drive your rates up as well, with average rates of $2,174!
AVERAGE CLEVELAND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,220|
|At-fault Accident (damages greater than $2,000)||$2,375|
|Speeding Ticket (16-20 mph over speed limit)||$1,523|
Cleveland Auto Insurance by Credit Score
People with Exceptional credit (800-850) usually pay 60% less every year for car insurance than those with Very Poor credit (300-579). Shifting from Very Poor (300-579) to Fair (580-669) draws in the biggest reduction in premiums, as drivers save around $999 per year.
CLEVELAND CAR INSURANCE COSTS BY CREDIT TIER
|Credit Quality||Average Car Insurance Rate|
Cleveland Car Insurance by Gender and Marital Status
Car insurance premiums in Cleveland differ based on your gender as well as marital status. However, premiums are barely cheaper for men than for women. Men normally pay $9 less than women each year for insurance. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being single can cost you roughly 4% more per year compared to being married.
CLEVELAND CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
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
The average Clevelander's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Cleveland
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