Best Cleveland, OH Auto Insurance in 2024

Are you in need of cheap auto insurance in Cleveland, OH? With AutoInsuranceEZ.com, you will find the lowest cost insurance premiums near you. To acquire free car insurance prices offered by the top providers immediately, type in your local zipcode into the quote box in this article.

The fortunate location of Cleveland along Lake Erie accounts for its early growth and success, as well as its modern-day economic prosperity. Back in the 1800’s, Cleveland was a center of technological innovation, and in the following century the city was known as a herald of political reform. The city is also home to several major sports franchises.

• Fun fact: have you heard that Cleveland is #11 on the list of “Top 100 cities with declining populations from 2000 to 2008 (pop. 50,000+)”? Learn more about Cleveland by clicking here.

Auto Insurance Coverage Requirements in Ohio

Driving legally in Cleveland requires:

Purchasing state minimum mandatory coverage is fine if you have an older vehicle, but there are very few drivers out there who currently own a vehicle which would be adequately covered under such a policy. So think about how much coverage you really need for the vehicle you drive, and plan your policy based on that.

Your typical Ohio driver can expect to pay around $77 each month for the premiums on their auto policy. However, living in Cleveland can get you some pretty substantial deals – some as low as $35/mo*! Keep reading for more details on Ohio auto insurance.

It seems as though either Ohio Mutual or State Farm might be the most affordable insurance company in the Cleveland area. But those rates might change dramatically if you have less than perfect credit, or if you are a young driver. Likewise, a low monthly quote doesn’t promise good customer or claims filing services.

Auto insurance carriers contemplate various elements when determining quotes, including marital status, driving violations, credit score/rating, years of driving experience, and current insurance coverage and limits. Also keep in mind that premiums could vary from carrier to carrier. To verify you are still being charged the cheapest price, do a comparison of cheap Cleveland auto insurance rates on the internet.

Major Car Insurance Factors in Cleveland

There is a wide array of many items that may factor into the rate quotes you get. Even though many specific details aren’t really something you can do something about, some of them are factors that you can change for the better. Here are some elements which can affect your automobile insurance premium:

Your Zip code

The spot where you store your vehicle every night will likely have a major influence on your car insurance rate. Typically, auto insurance cost less in outlying locations mainly because fewer cars indicates a smaller likelihood that you’re going to get into a collision with some other vehicle. The population of Cleveland is 390,113 and the general family earnings are $26,096.

Automotive Accidents

Any area with a high rate of serious accidents on a regular basis will likely see higher insurance premiums. If the numbers in the chart below look elevated to you, keep in mind that Cleveland has a sizeable population. You can also check with your insurance agent for any Safe Driving discounts they may offer.

Auto Thefts in Cleveland

Dwelling in a big city (Chiefly any that has a significant crime rate) can increase your chance of being a target of auto theft. In cases where your general location has substantial rates of auto theft claims filed, you are likely to pay more for auto insurance in order to counterbalance these expenses. The total amount of taken vehicles in 2013 was 4,125 for Cleveland, OH. Clearly, auto theft rates are going up. Now would be a good time to make sure you have adequate comprehensive coverage on your policy to protect against it.

Your Credit Score

There are companies out there (Nationwide and The General are two of them) who won’t double your monthly premiums or more just for having a poor credit score. This can help motorists who have a less than perfect credit history find affordable automotive coverage.

Age

Not only are young drivers universally charged more for their coverage, but those charges are usually 3x-5x more expensive than what an adult would pay. Some companies, such as The General or Ohio Mutual, won’t even take on such risk.

Your Driving Record

Having a perfectly clean driving record is the best way to save money on your premiums. Unfortunately, most drivers have a violation or two on their personal records. But if those violations are minor, like a small accident or a speeding ticket, you might qualify for an Accident Forgiveness discount.

Your Vehicle

Expensive, luxury vehicles will cost more to insure because of how much more coverage you will need to buy in order to protect them. If, for example, you tried to insure a Porsche with only the state mandatory minimums, you would end up paying for everything which your policy won’t.

Minor Car Insurance Factors in Cleveland

Some of the factors below might apply to you, or they might not. But most drivers will probably have one or two of the following factors which they can tweak in order to get some discounts:

Your Marital Status

Bundling your policy with your spouse is a great way to save money on your automotive insurance policies. But you have to make sure you bundle with the same company. You might also want to see if there are any other types of insurance you can bundle with your carrier as well.

Your Gender

Most insurance companies haven’t made up their mind about adjusting premium prices by gender. Sometimes women are charged more, while other providers will give higher rates to the men. Many agencies, however, don’t charge based on gender at all.

Your Driving Distance to Work

Like many large cities, Cleveland suffers from longer commute times than rural areas. The average trip might take as long as 15-45 minutes, although 21-26 minute are far more common. 71% of drivers will drive to work in their own car or truck by themselves, while anywhere between 3-21% will carpool. 8% may take the bus.

Do you think your yearly mileage, or your reason for getting behind the wheel in the first place, will have a significant influence on your monthly payment? Well, even if you make drastic changes to your driving habits, you won’t be altering your costs by more than a few percentage points.

Your Coverage and Deductibles

Raising your deductible is a good way to save money each month, but it comes with a price. And you will have to pay that price, literally, if something bad happens and you find yourself in need of filing a claim. So make sure you have a little extra cash saved up, just in case.

Education in Cleveland, OH

33% of Cleveland residents have met the requirements needed for a high school diploma, while an additional 31% have yet to complete all four years of high school. Speaking of education, did you know that more and more insurance providers are starting to give discounts to motorists with a higher education? You should talk with your insurance agent today to see what discounts are available to you.

Cleveland State University, a well-known commuter school, boasts an average enrollment of over 16,000 students and offers graduate as well as undergraduate degrees. For those with legal ambitions, you might want to look into the Cleveland-Marshall School of Law. There are also universities for the pursuit of fine arts, such as the Cleveland Institute of Art or the Cleveland Institute of Music.

Finding reasonably priced automobile insurance can become a problem. There’s a lot of important information to take into account, and determining how insurance agencies examine your prospective risk may well be complicated. But try not to permit the wrong insurance agency talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Ohio Department of Insurance

Division of Financial Institutions – Ohio Department of Commerce

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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