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 AverageState AverageNational Average
$1,285$1,011$1,569


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
AgeAverage Rate
Teenagers$4,846
20s$1,877
30s$1,266
40s$1,228
50s$1,122
60s$1,242
70s$1,414


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
Violation/IncidentAverage Rate
DUI/DWI$1,977
Reckless Driving$2,174
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 QualityAverage Car Insurance Rate
Very Poor$2,548
Fair$1,549
Good$1,285
Very Good$1,125
Exceptional$1,029


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/GenderAverage Rate
Female$1,293
Male$1,285
Single$1,143
Married$1,095
Divorced$1,143
Widowed$1,128


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

Revised

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:

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.