Cleveland Auto Insurance Rates, Quotes, Agents & Reviews in OH

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.

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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 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 Farm
my insurance company is based on their customers and they offer very good premium and deductibles than other companies
Erie Insurance
They have always answered our question and been every kind. If we need or want to meet in person they are willing to.
They offer the same coverage for less without sacrificing customer service/relations. They're also great when it comes to what discounts they offer.
Farm Bureau
Farm 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 Insurance
the 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 Farm
we 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 Corporation
I 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.
Esurance 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 Insurance
The 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 Insurance
I'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 Insurance
I 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 Farm
My insurance premium is extremely low because State Farm rewards you for being a loyal customer.