Cheapest car insurance companies in Cleveland 

Progressive and Geico have the cheapest car insurance premiums for Cleveland drivers in 2023, based on a data study by Insurance.com. 

Progressive is the cheapest option for most Cleveland drivers, with an average annual rate of $1,183

The cost of car insurance in Cleveland varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Cleveland.

CompaniesAverage annual rates
Progressive$1,183
USAA$1,384
Geico$1,803
State Farm$1,928
Shelter Insurance$1,930
AFR Insurance$2,003
Mercury Insurance$2,598
Allstate$2,732
Farmers$2,843
Oklahoma Farm Bureau$3,488
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Cleveland by Age Group 

The cheapest auto insurance company in Cleveland for teen drivers is AFR Insurance. For full coverage, its average annual rate for Cleveland drivers is $3,229. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

Progressive is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Cleveland at about $1,998 per year

For Cleveland drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Progressive provides the cheapest car insurance premiums, offering full coverage policies at $1,191 annually

Cleveland senior drivers seeking affordable car insurance should look no further than Progressive. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,031. It makes Progressive a good choice for seniors who want to save money without sacrificing coverage. 

CompanyTeensYoung AdultsAdultsSeniors
AFR Insurance$3,229$2,388$2,016$2,091
USAA$3,967$2,070$1,399$1,419
State Farm$4,784$2,955$1,927$1,794
Shelter Insurance$5,567$3,560$1,993$1,811
Progressive$5,825$1,998$1,191$1,031
Geico$5,975$2,630$1,790$1,825
Oklahoma Farm Bureau$8,605$5,414$3,396$2,977
Allstate$10,157$4,159$2,709$2,790
Mercury Insurance$10,342$4,826$2,640$2,612
Farmers$11,255$4,871$2,710$2,816
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Cleveland by driver profile 

When determining car insurance rates in Cleveland, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Cleveland that suits your budget. 

Here's a list of car insurance companies that offer cheap insurance rates in Cleveland based on driver profile. 

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Cleveland drivers at about $1,622 per year

Drivers with poor or bad credit scores in Cleveland can consider the following car insurance companies to get the affordable car insurance coverage. 

CompanyAverage annual rates
Geico$1,622
USAA$1,931
Allstate$2,697
Farmers$2,835
Progressive$4,438
State Farm$6,662
Data refreshed as of May 2024
Read our full methodology

USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Cleveland. Its full coverage car insurance policy costs an average of $1,341 per year for drivers aged 30. 

Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors. 

Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price. 

CompanyAverage annual premium
USAA$1,341
State Farm$1,483
Geico$1,857
Allstate$2,030
Farmers$2,370
Progressive$3,597
Data refreshed as of May 2024
Read our full methodology

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Cleveland with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,558 annually.

CompanyAverage annual rates
State Farm$1,558
USAA$1,687
Geico$2,260
Allstate$2,585
Farmers$2,709
Progressive$4,718
Data refreshed as of May 2024
Read our full methodology

State Farm is the carrier that offers cheap auto insurance rates in Cleveland for drivers after a DUI. Its average annual rate for full coverage is $1,483

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage annual rates
State Farm$1,483
USAA$1,987
Allstate$2,723
Farmers$2,797
Geico$3,015
Progressive$3,619
Data refreshed as of May 2024
Read our full methodology

Average car insurance cost in Cleveland 

In Cleveland, the average annual cost for full coverage car insurance is around $2,189, which breaks down to approximately $182 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Cleveland is about $429.

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState minimum average
$2,189$429
Data refreshed as of May 2024
Read our full methodology

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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