Cleveland, OH Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Cleveland, OH, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
The Cost of Insuring Your Car in Cleveland, OH, is $1,004
Cleveland is the 52nd most populous city in the country. According to the U.S. Census Bureau, it has a population of around 384,000. The average cost of auto insurance here is $1,004. This is lower than the cost of auto insurance in neighboring places such as Garfield Heights, Brooklyn Heights, Cuyahoga Heights, Lindale, and Newburgh Heights. Below is a list of factors that affect the cost of auto insurance in Cleveland.
Moreover, car owners can save more on auto insurance by comparing multiple auto insurance quotes. The cost of insurance can also vary from one neighborhood to another, depending on factors such as the rate of auto thefts in that area and the make and model of the vehicle.
Deductibles:
Deductibles are one of the most common factors affecting the cost of auto insurance in Cleveland, OH. A higher deductible leads to a decrease in the cost of auto insurance and vice-versa. On a low deductible of $500, the cost of auto insurance can increase to $1,727. Whereas, for a higher deductible ($1,000), the cost of auto insurance can decrease to $1,459.
Age:
Age is another common factor that affects the cost of auto insurance in Cleveland. Auto insurance is the most expensive for teenagers. This trend is similar in most parts of the country. The cost of auto insurance tends to decrease with an increase in the driving experience. Teenagers are largely considered to be inexperienced. The average cost of auto insurance for a teenager in Cleveland is $3,258. Auto insurance is cheapest for drivers who are in their 50s and 60s. The average cost of insurance for the former is $885, while the latter pays only $898.
Credit Score:
Possessing a healthy credit score is an added advantage when it comes to purchasing auto insurance. The cost of auto insurance for car owners who have an “exceptional” credit score is as low as $861, while car owners with an “average” or a “poor” credit score have to pay $1,365 and $1,638 on an average, respectively.
It is clear that the cost of auto insurance is dependent on several factors. Insurance companies offer numerous discounts depending on one’s driving record and customer loyalty to the company.
Factors that can influence the cost of car insurance in Cleveland, OH are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Cleveland, OH Auto Insurance Rates
- Cleveland, OH Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cleveland, OH
- Multi Vehicle Insurance Savings in Cleveland, OH
- How Credit Score Affects Car Insurance Rates in Cleveland, OH
- How DUI Affects Auto Insurance Premiums in Cleveland, OH
- Top Auto Insurance Agents Near Cleveland, OH
- How Driving Violations Affect Auto Insurance Rates in Cleveland, OH
- Cleveland, OH Auto Insurance Discounts on Anti Theft Feature
- Cleveland, OH Auto Insurance Company Reviews
Cleveland, OH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Cleveland, OH with that of other cities in and around Cleveland.
| Cleveland | Garfield Heights | Brooklyn Heights | Cuyahoga Heights | Linndale | Newburgh Heights | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,004 | $1,006 | $1,070 | $1,065 | $1,276 | $1,293 |
Cleveland, OH Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Cleveland, OH based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Cleveland | $1,727 | $1,459 |
| Newburgh Heights | $1,525 | $1,288 |
| Cuyahoga Heights | $1,312 | $1,108 |
| Brooklyn Heights | $937 | $792 |
| Brooklyn | $1,169 | $987 |
| Linndale | $1,340 | $1,132 |
| Garfield Heights | $1,573 | $1,328 |
| Lakewood | $1,269 | $1,072 |
Cleveland, OH Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Cleveland, OH usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,258 |
| 20 Years | $1,290 |
| 30 Years | $994 |
| 40 Years | $956 |
| 50 Years | $885 |
| 60 Years | $898 |
| 70 Years | $1,045 |
Cleveland, OH Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Cleveland, OH can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,727 | $281 |
| 3 Vehicles | $2,590 | $422 |
| 4 Vehicles | $3,454 | $562 |
Savings on 2 Vehicles bundle:$281
Savings on 3 Vehicles bundle:$422
Savings on 4 Vehicles bundle:$562
Cleveland, OH Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cleveland, OH.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Cleveland | $1,004 | $1,625 |
| Newburgh Heights | $1,293 | $2,093 |
| Cuyahoga Heights | $1,065 | $1,724 |
| Brooklyn Heights | $1,070 | $1,732 |
| Brooklyn | $1,032 | $1,670 |
| Linndale | $1,276 | $2,065 |
| Garfield Heights | $1,006 | $1,628 |
| Lakewood | $1,061 | $1,717 |
Cleveland, OH Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $861 |
| Excellent (740-799) | $983 |
| Good (670-739) | $1,046 |
| Average (580-669) | $1,365 |
| Poor (300-579) | $1,638 |
Cleveland, OH Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Lighthouse Insurance Agency | None | 3167 Fulton Rd Ste 306, Cleveland, 44109 | None |
| William Isaac Insurance Agency, Inc. | None | 6701 Rockside Rd Ste 290, Independence, 44131 | None |
| William Isaac Insurance Agency, Inc. | None | 6701 Rockside Rd Ste 290, Independence, 44131 | None |
| Steven Lu & Associates Insurance Agency, Inc. | None | 2999 Payne Ave Ste 118, Cleveland, 44114 | None |
| Andrako & Assoc Inc | Travelers | 20325 CENTER RIDGE RD 503, ROCKY RIVER, 44116 | 440-333-6375 |
| Dennis Rango | State Farm | 7770 Brecksville Rd, Brecksville, 44141-1000 | 440-526-6745 |
| Dennis Rango | State Farm | 7770 Brecksville Rd, Brecksville, 44141-1000 | 440-526-6745 |
| Juris Agency | None | 14805 Detroit Ave Suite 535, Lakewood, 44107 | (216) 672-0234 |
| Brian W Laing Ins Agcy Inc | Nationwide | 5732 Chevrolet Blvd, Parma, 44130-1412 | (440) 292-0740 |
Cleveland, OH Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$44 | $1,048 |
| Driver's Failure In Showing Documents | +$97 | $1,101 |
| Driving With An Expired Registration | +$103 | $1,107 |
| Driving At A Considerably Slow Pace | +$218 | $1,222 |
| Using A Cellphone While Driving | +$230 | $1,234 |
| Running A Red Light | +$234 | $1,238 |
| Speeding | +$246 | $1,250 |
| Driving A Vehicle Without The Required Permission | +$312 | $1,316 |
| Driving With An Expired/Suspended License | +$677 | $1,681 |
Cleveland, OH Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $964 |
| Active Disabling Device | $964 |
| Tracking Device | $944 |
| Passive Disabling Device | $934 |
Latest Auto Insurance Reviews in Cleveland, OH | Back to Top
State Farmmy insurance company is based on their customers and they offer very good premium and deductibles than other companies
Erie InsuranceThey have always answered our question and been every kind. If we need or want to meet in person they are willing to.
ProgressiveThey offer the same coverage for less without sacrificing customer service/relations. They're also great when it comes to what discounts they offer.
Farm BureauFarm Bureau has the best customer service. They are very helpful getting me the best policy for my needs. They also are very quick to respond if I need anything or have a claim.
Erie Insurancethe affordabilty alone makes erie worthwhile, but anytime i have a question or concern my agent answers the phone. no automated system or online confusion
State Farmwe like State Farm. We have had a claim recently that was our fault on a rental car while on vacation and State Farm was very helpful and resolved the matter quickly.
Horace Mann Educators CorporationI recommend Horace Mann, the company which never fails to answer my questions/calls. I'm a boomer and prefer the personal, direct interaction of a phone call as opposed to an internet interaction.
EsuranceEsurance offers a standard array of automobile and other vehicle insurance coverages, including bodily injury, accidental death/dismemberment, gap coverage and various levels of property damage coverage.
Farmer's InsuranceThe coverage is similar. When my last company raised my rate by over 100 dollars a month, I literally just copied and pasted my old coverage into the new companies website and got a much cheaper rate.
Encompass InsuranceI'm moderately satisfied with my car insurance policy offerings, as they are competitive with other companies, but offer a better price for what I get.
Erie InsuranceI used to have Geico and then Progressive, Erie beat both of their premium prices that I used to pay, I was able to reduce my premium by about $40/monthly, which was a significant savings for us.
State FarmMy insurance premium is extremely low because State Farm rewards you for being a loyal customer.