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What rates can residents of Cleveland expect to pay for their car insurance? How do rates in Cleveland measure up compared to neighboring areas, including Georgia as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Cleveland | $73 |
| GA | $105 |
| United States | $80 |
Looking at the chart above, you can see it's around $32 a month cheaper to insure your vehicle in Cleveland than it is in the rest of Georgia.
When stacked up against the national average, the average monthly policy payment for Cleveland is more affordable. It's about $7 cheaper than the national average to insure your vehicle in Cleveland.
While these are the average car insurance rates for Cleveland, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
But don't worry, we've broken down average rates for Cleveland residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $112 |
| 25-34 | $71 |
| 35-44 | $66 |
| 45-54 | $62 |
| 55-64 | $58 |
| 65+ | $66 |
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Cleveland drivers may see their rates climb back up once they hit retirement.
Gender | Average |
|---|---|
| Male | $76 |
| Female | $72 |
Female drivers pay, on average, slightly less than their male counterparts. In Cleveland, the difference is around $4 a month. As you can see in the table above, female drivers in the area typically pay $72 on average, while female drivers typically pay $76 each month.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $106 |
| Multiple Accidents | $99 |
| 1 Ticket | $86 |
| Multiple Tickets | $88 |
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Cleveland with a single accident will pay around $106 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $86 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $75 |
| 2-3 Years | $81 |
| 4-5 Years | $69 |
| 6-7 Years | $72 |
| 8-10 Years | $69 |
| 11-14 Years | $76 |
| 15 Years or Older | $73 |
In terms of affordable coverage, the cheapest vehicles to insure in Cleveland are typically trucks and vans, at $70 per month.
SUV drivers will see rates of about $78, while the rates for car owners average out to about $73 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Cleveland, vehicles two-to -three years old are the most expensive to insure.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $77 |
| Married | $69 |
| Divorced | $66 |
| Widowed | $62 |
Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
In Cleveland, the difference in rates based on relationship status can be as much as $8 a month.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $66 |
| Rent | $77 |
| Live with parents | $87 |
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Cleveland. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Cleveland, car insurance rates went up from 2017-2018, before leveling out in 2019. Insurance rates increased again, reaching a high of $90 in 2021, and finished down at $64 in 2022.
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
General road safety (how many accidents each locality has)
Rate of crime
Number of drivers in the area
Regional laws
Off-street parking availability
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Cleveland.
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Cleveland or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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