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Licensed property and casualty insurance agent
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NPN: 20461358
Updated
The average driver in Cleveland, Tennessee, pays $95 per month for car insurance, according to our analysis of local quotes. Cleveland drivers enjoy lower average rates than drivers in many other cities, largely thanks to the city’s low population and traffic compared to the more populated areas of Tennessee.
Even so, many companies offer rates well below the citywide average. We found that Sun Coast, Mile Auto, and State Farm lead the pack for the cheapest average liability insurance, with rates starting at $44 per month.
This article covers the cheapest insurers in Cleveland for various driver types, how to pick the right company for your needs, and practical tips on saving money on your car insurance.
Sun Coast offers the cheapest rates in Cleveland, Tennessee, at just $44 per month.
Cleveland drivers pay a monthly average of $63 for liability insurance and $127 for full coverage.
Tennessee requires all drivers to have 25/50/25 of liability insurance coverage.
Even with Cleveland’s relatively low citywide averages, you can find great deals on car insurance if you know where to look — several companies offer lower-than-average rates.
The following table shows the most affordable insurers in Cleveland, based on Compare.com data analysis.
Company  | Average Monthly Premium |
|---|---|
| Sun Coast | $44 |
| Mile Auto | $45 |
| State Farm | $45 |
| Certainly | $49 |
| Progressive | $50 |
| Direct Auto | $51 |
| USAA | $53 |
| AssuranceAmerica | $57 |
| GEICO | $58 |
| Freedom National | $60 |
| Auto-Owners | $61 |
| Travelers | $61 |
| The General | $62 |
| Erie | $66 |
| Trexis | $66 |
| Safeco | $71 |
| Trexis One | $73 |
| GAINSCO | $76 |
| Dairyland | $77 |
| Mendota | $79 |
| Allstate | $82 |
| First Acceptance | $84 |
| National General | $84 |
| Farmers | $88 |
| Liberty Mutual | $94 |
| Foremost | $95 |
| Bristol West | $96 |
| Root | $96 |
| Elephant | $101 |
| Nationwide | $108 |
| Chubb | $127 |
| State Auto | $169 |
Sun Coast stands out with the cheapest average rate, at just $44 per month. That said, the only way to know if it’ll be cheapest for you is to compare quotes from multiple insurers in the area.
The following sections break down the cheapest companies by driver type, coverage level, and other factors that affect your premiums.
While the companies above provide a solid starting point for car insurance shopping, your personal rates can vary dramatically. Factors like your age, driving record, credit history, and where you live affect how much you pay for coverage. Comparing rates from insurers that specialize in drivers with similar profiles can help you find even better deals.
To help, the table below shows the most affordable companies for various driver backgrounds and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Sun Coast | $44 |
| Full coverage | Mile Auto | $84 |
| Teens | Sun Coast | $90 |
| Seniors | Sun Coast | $38 |
| Drivers with a speeding ticket | Sun Coast | $58 |
| Drivers with an at-fault accident | Sun Coast | $61 |
| Drivers with a DUI | Sun Coast | $63 |
| Drivers with excellent credit | Sun Coast | $39 |
| Drivers with poor credit | Sun Coast | $55 |
We’ve included detailed breakdowns for each driver and coverage type in the subsections below to help you find the best rates for your situation.
Policies in Cleveland start as low as $44 per month.
Cleveland drivers pay an average of $63 for minimum-coverage car insurance, according to Compare.com data.
But most insurance experts recommend purchasing more coverage than Tennessee requires.[1] State minimum limits might not cover all the costs if you cause a serious accident, potentially leaving you responsible for thousands of dollars in out-of-pocket expenses.
Still, if you need bare-bones coverage that meets Tennessee’s minimum requirements, we found the five most affordable options in Cleveland.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $44 |
| Mile Auto | $45 |
| State Farm | $45 |
| Certainly | $49 |
| Progressive | $50 |
| Direct Auto | $51 |
| USAA | $53 |
| AssuranceAmerica | $57 |
| GEICO | $58 |
| Freedom National | $60 |
| Auto-Owners | $61 |
| Travelers | $61 |
| The General | $62 |
| Erie | $66 |
| Trexis | $66 |
| Safeco | $71 |
| Trexis One | $73 |
| GAINSCO | $76 |
| Dairyland | $77 |
| Mendota | $79 |
| Allstate | $82 |
| First Acceptance | $84 |
| National General | $84 |
| Farmers | $88 |
| Liberty Mutual | $94 |
| Foremost | $95 |
| Bristol West | $96 |
| Root | $96 |
| Elephant | $101 |
| Nationwide | $108 |
| Chubb | $127 |
| State Auto | $169 |
Most drivers should consider full-coverage auto insurance because it provides better financial protection after an accident. Full coverage typically includes comprehensive and collision insurance in addition to the state-mandated liability coverage.
If you finance or lease your car, lenders and leasing companies usually require you to buy comprehensive and collision coverage to protect their investment.[2]
Our data shows that Cleveland drivers pay an average of $127 per month for full coverage. But even with these higher rates, several insurers offer full-coverage policies for close to the average liability price in the city.
Below, you’ll find the top five companies offering the most competitive full-coverage rates in Cleveland, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $84 |
| Sun Coast | $84 |
| Progressive | $97 |
| State Farm | $98 |
| Direct Auto | $113 |
| USAA | $116 |
| GEICO | $128 |
| Safeco | $129 |
| Travelers | $134 |
| Auto-Owners | $135 |
| National General | $136 |
| Certainly | $139 |
| Erie | $143 |
| AssuranceAmerica | $146 |
| Elephant | $151 |
| Trexis | $153 |
| Root | $161 |
| Trexis One | $175 |
| Liberty Mutual | $179 |
| The General | $179 |
| Allstate | $181 |
| Mendota | $188 |
| GAINSCO | $189 |
| Farmers | $195 |
| Freedom National | $207 |
| Bristol West | $210 |
| First Acceptance | $219 |
| Foremost | $219 |
| Dairyland | $229 |
| Nationwide | $239 |
| Chubb | $280 |
| State Auto | $373 |
Teen drivers pay some of the highest insurance rates of any age group. Insurance companies charge teens more because they lack driving experience and cause more accidents than older drivers.[3]
Nationwide, the average teen pays nearly double what someone 20 or older pays for the same auto coverage, according to our data.
Teens in Cleveland pay an average of $193 for car insurance. But you can still find good deals if you’re a teen driver or have one on your policy.
These five companies offer the best rates for teen drivers in Cleveland, according to our research.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $90 |
| State Farm | $92 |
| Mile Auto | $98 |
| Certainly | $100 |
| Progressive | $102 |
| Direct Auto | $104 |
| USAA | $104 |
| GEICO | $110 |
| The General | $116 |
| Freedom National | $122 |
| Erie | $128 |
| Auto-Owners | $130 |
| Travelers | $134 |
| Trexis | $134 |
| Dairyland | $141 |
| GAINSCO | $147 |
| Trexis One | $149 |
| Safeco | $151 |
| Mendota | $161 |
| First Acceptance | $171 |
| Allstate | $171 |
| Liberty Mutual | $176 |
| Root | $176 |
| National General | $180 |
| Bristol West | $182 |
| Farmers | $185 |
| Elephant | $190 |
| Nationwide | $223 |
| Chubb | $277 |
| State Auto | $430 |
Unlike teens, senior drivers typically enjoy the cheapest car insurance rates of any age group. Insurance companies offer lower rates to seniors because they tend to drive less frequently, avoid risky driving behaviors, and have more experience behind the wheel — all of which contribute to fewer insurance claims.[4]
Seniors in Cleveland pay an average of $82 per month for auto coverage, according to Compare.com data. But even with these low average rates, you can likely find better deals from one of the companies in the chart below.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $35 |
| State Farm | $35 |
| Sun Coast | $38 |
| Direct Auto | $41 |
| Certainly | $42 |
| USAA | $43 |
| Progressive | $43 |
| GEICO | $46 |
| Auto-Owners | $48 |
| Travelers | $49 |
| Erie | $51 |
| Freedom National | $52 |
| The General | $52 |
| Trexis | $57 |
| Safeco | $62 |
| Trexis One | $63 |
| GAINSCO | $65 |
| Dairyland | $65 |
| National General | $66 |
| Allstate | $67 |
| Mendota | $68 |
| Farmers | $70 |
| First Acceptance | $73 |
| Liberty Mutual | $79 |
| Bristol West | $80 |
| Root | $80 |
| Nationwide | $83 |
| Elephant | $83 |
| Chubb | $96 |
| State Auto | $128 |
Getting a traffic ticket can cause your rates to increase when your policy renews since insurance companies view tickets as indicators that you’re more likely to file claims in the future.[5]
Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide.
Drivers with a recent ticket in Cleveland pay an average of $125 per month for car insurance, according to Compare.com data. But several insurers still offer competitive rates.
The five companies in the chart below offer the most affordable rates for drivers with a recent ticket, according to our research.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $57 |
| Sun Coast | $58 |
| State Farm | $59 |
| Certainly | $65 |
| Direct Auto | $65 |
| Progressive | $66 |
| USAA | $70 |
| GEICO | $78 |
| Freedom National | $79 |
| Travelers | $81 |
| Auto-Owners | $82 |
| The General | $85 |
| Trexis | $87 |
| Erie | $89 |
| GAINSCO | $93 |
| Safeco | $96 |
| Trexis One | $96 |
| Dairyland | $99 |
| Mendota | $104 |
| National General | $107 |
| Allstate | $110 |
| First Acceptance | $111 |
| Farmers | $116 |
| Liberty Mutual | $123 |
| Bristol West | $124 |
| Elephant | $124 |
| Root | $131 |
| Nationwide | $144 |
| Chubb | $166 |
| State Auto | $231 |
Causing an accident can make your rates jump substantially because it signals to insurers that you’re more likely to file claims in the future. At-fault accidents can stay on your driving record for several years, and can keep rates high as long as they are.
Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
Drivers with a recent accident in Cleveland pay an average of $133 per month, according to Compare.com data. But you can often find better deals with one of the five insurers highlighted in the chart below.
Company | Average Monthly Premium |
|---|---|
| State Farm | $61 |
| Sun Coast | $61 |
| Mile Auto | $62 |
| Certainly | $68 |
| Progressive | $70 |
| Direct Auto | $71 |
| USAA | $73 |
| GEICO | $78 |
| Auto-Owners | $83 |
| Freedom National | $84 |
| Travelers | $84 |
| The General | $88 |
| Erie | $90 |
| Trexis | $92 |
| GAINSCO | $100 |
| Safeco | $102 |
| Trexis One | $102 |
| Dairyland | $105 |
| Mendota | $110 |
| Allstate | $113 |
| National General | $115 |
| First Acceptance | $117 |
| Farmers | $121 |
| Liberty Mutual | $128 |
| Bristol West | $130 |
| Root | $132 |
| Elephant | $136 |
| Nationwide | $149 |
| Chubb | $173 |
| State Auto | $237 |
A driving under the influence (DUI) conviction causes the sharpest increase in car insurance rates of any driving incident. Our research shows average rates increase by 59% nationwide after a DUI conviction.
Insurance companies consider you a high-risk driver after getting a DUI, making finding coverage challenging. Some insurers may refuse to offer coverage entirely.[6] But other insurers specialize in high-risk drivers, including people with DUI convictions.
Drivers with a DUI conviction in Cleveland pay an average of $136 per month for car insurance. But you’re not necessarily stuck paying these sky-high rates.
These five companies offer the most affordable coverage in Cleveland for drivers with DUI convictions, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $63 |
| Mile Auto | $66 |
| State Farm | $66 |
| Certainly | $70 |
| Progressive | $72 |
| Direct Auto | $74 |
| USAA | $77 |
| GEICO | $84 |
| Freedom National | $86 |
| Auto-Owners | $89 |
| Travelers | $89 |
| The General | $90 |
| Trexis | $94 |
| Erie | $96 |
| Trexis One | $104 |
| Safeco | $110 |
| GAINSCO | $111 |
| Dairyland | $112 |
| Mendota | $113 |
| Allstate | $120 |
| First Acceptance | $120 |
| National General | $123 |
| Farmers | $128 |
| Liberty Mutual | $137 |
| Bristol West | $140 |
| Root | $140 |
| Elephant | $147 |
| Nationwide | $158 |
| Chubb | $185 |
| State Auto | $231 |
Some insurance companies look at your credit history when determining rates. Insurance companies calculate a credit-based insurance score to estimate your likelihood of missing payments or filing claims.[7]
Our research shows drivers with poor credit pay 40% more than people with excellent credit scores.
Cleveland drivers with poor credit pay an average of $119 per month. But not all companies consider your credit, and some offer affordable rates regardless of your credit history.
The companies below have the most affordable coverage for Cleveland drivers with poor credit, according to our data.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $55 |
| Mile Auto | $55 |
| Certainly | $61 |
| Progressive | $63 |
| Direct Auto | $63 |
| USAA | $65 |
| State Farm | $65 |
| GEICO | $71 |
| Freedom National | $75 |
| Travelers | $75 |
| The General | $76 |
| Trexis | $83 |
| Safeco | $87 |
| Auto-Owners | $91 |
| Trexis One | $91 |
| GAINSCO | $94 |
| Dairyland | $95 |
| Erie | $97 |
| Mendota | $99 |
| Allstate | $101 |
| National General | $103 |
| First Acceptance | $105 |
| Farmers | $108 |
| Liberty Mutual | $113 |
| Bristol West | $118 |
| Root | $118 |
| Elephant | $124 |
| Nationwide | $133 |
| Chubb | $203 |
| State Auto | $209 |
Compare personalized quotes from Cleveland’s top insurers.
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Like nearly every other state, Tennessee requires all drivers to have car insurance. To legally drive in the Treasure State, you need to have at least the following:[8]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Most experts recommend buying more auto insurance than Tennessee requires. Minimum coverage may not be enough financial protection if you cause an accident. Plus, lenders typically require you to buy comprehensive and collision coverage if you finance or lease your car.
Consider a scenario where you cause an accident that seriously injures another driver. Medical bills can quickly exceed $25,000, and you’d have to pay out of pocket for any costs above your coverage limits.
We answered some common questions about car insurance from drivers in Cleveland. Check them out below.
Car insurance in Cleveland costs a monthly average of $63 for liability coverage and $127 for full coverage, according to Compare.com data.
Cleveland drivers pay an overall average of $95 per month for car insurance. That’s compared to the national average of $136 per month. But how much you pay for car insurance depends on several factors, including where you live in the city, your driving history, age, and coverage choices.
Sun Coast offers the cheapest average liability rates in Cleveland, at $44 per month, according to Compare.com data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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