Buying cheap car insurance is hard enough, and figuring out which companies offer the lowest-priced insurance rates for welfare recipients may require more quotes for comparison. Each insurance company uses different criteria to establish rates, so let’s begin by examining the insurance companies with the overall cheapest rates in Cleveland, OH.
It’s important to know that Cleveland insurance rates are calculated based on many things that will increase or decrease the policy premium. Price variation is why consumers need to take the time to spend some time comparing rates when trying to get the most budget-friendly auto insurance quotes for welfare recipients. Car insurance prices are influenced by many factors and can change without notice, so the cheapest option six months ago may now be an over-priced policy.
Compare Cheap Insurance Quotes in Ohio
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $628 |
| 2 | Erie | $667 |
| 3 | Allied | $697 |
| 4 | Frankenmuth | $701 |
| 5 | USAA | $733 |
| 6 | Travelers | $733 |
| 7 | Merchants Insurance Group | $748 |
| 8 | Cincinnati Insurance | $749 |
| 9 | Grange Mutual | $812 |
| 10 | Motorists Mutual | $816 |
| 11 | General Casualty | $829 |
| 12 | Central Mutual | $840 |
| 13 | Hastings Mutual | $866 |
| 14 | State Farm | $867 |
| 15 | Westfield | $908 |
| 16 | Atlantic States | $931 |
| 17 | Western Reserve | $961 |
| 18 | Auto-Owners | $968 |
| 19 | Progressive | $982 |
| 20 | Nationwide | $988 |
| Find Your Rate Go | ||
Utica National generally has some of the best car insurance rates in Cleveland at around $628 each year. Erie, Allied, Frankenmuth, and USAA are also some of the cheaper Cleveland, OH insurance companies.
In this example, if you currently buy coverage from Erie and switched to Utica National, you could see an annual premium reduction of roughly $39. Drivers with Allied could save as much as $69 a year, and Frankenmuth insureds might reduce rates by $73 a year.
It’s important to note that these policy rates are averages for all drivers and vehicles in Ohio and are not factoring in an exact location for welfare recipients. So the car insurance company that can offer you the best rate may not even be in the top 33 companies shown above. That emphasizes why you need to compare prices as often as possible using your own specific driver information and vehicle.
The make and model of vehicle you are insuring is one of the biggest factors when looking for low-priced insurance for welfare recipients. Vehicles with reasonable performance levels, a great safety record, or a positive history of liability claims will cost quite a bit less to insure than higher performance models. The next table showcases coverage prices for some of the more affordable vehicles to insure in Ohio.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,371 |
| Ford Edge SE 2WD | $1,505 |
| Ford Escape Limited 2WD | $1,584 |
| Honda CR-V EX-L 4WD | $1,589 |
| Honda Odyssey EX W/Rear Entertainment | $1,592 |
| Chevrolet Malibu LS | $1,621 |
| Toyota Camry LE | $1,626 |
| Ford F-150 Lariat Crew Cab 2WD | $1,653 |
| Toyota Prius | $1,663 |
| Ford Focus S 4-Dr Sedan | $1,740 |
| GMC Sierra SLE Regular Cab 4WD | $1,747 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,772 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,774 |
| Toyota RAV4 Sport 4WD | $1,781 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,801 |
| Start a Quote Go | |
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rates do not factor in your specific Cleveland, OH location which can raise or lower rates significantly.
Looking at the data, you can conclude that models like the Honda Accord, Ford Edge, and Ford Escape will be a few of the less-costly vehicles to insure for drivers on welfare.
One of the more important criteria that determine the cost of insurance is the neighborhood you call home. Regions with larger populations or more claims tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive cheaper rates.
The table below shows the priciest cities in Ohio for welfare recipients to purchase auto insurance in. Cleveland makes the list at #3 with an annual cost of $1,259 for the average insurance policy, which is around $105 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Youngstown | $1,285 |
| 2 | Toledo | $1,279 |
| 3 | Cleveland | $1,259 |
| 4 | Columbus | $1,235 |
| 5 | Cleveland Heights | $1,202 |
| 6 | Cincinnati | $1,186 |
| 7 | Euclid | $1,175 |
| 8 | Dayton | $1,154 |
| 9 | Hamilton | $1,135 |
| 10 | Akron | $1,123 |
| 11 | Newark | $1,095 |
| 12 | Springfield | $1,094 |
| 13 | Fairfield | $1,085 |
| 14 | Canton | $1,058 |
| 15 | Lakewood | $1,041 |
| 16 | Cuyahoga Falls | $1,037 |
| 17 | Mansfield | $1,032 |
| 18 | Middletown | $1,024 |
| 19 | Beavercreek | $1,016 |
| 20 | Kettering | $1,009 |
| Compare Prices Now Go | ||
Premium costs are estimated as zip code location can affect coverage prices noticeably.
Ohio insurance companies
Selecting a highly-rated insurer is difficult considering how many different companies insure vehicles in Cleveland. The information in the next section could help you analyze which insurers to look at putting your business with. These ratings include major nationwide insurance companies, so companies that have a smaller presence are not factored into these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The illustration below highlights how deductible selection can increase or decrease insurance prices when trying to find cheap insurance for welfare recipients. The costs are based on a single female driver, comp and collision included, and no other discounts are factored in.
As shown above, a 40-year-old driver could lower their policy premium by $250 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $378 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can save up to $640 or more by using higher deductibles when buying full coverage.
When choosing a higher deductible, it is important to have spare funds to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
A good deal can quickly turn bad
Ohio insurance rates are impacted by many factors which can substantially change the price of coverage. Improving your credit rating, buying another vehicle, or getting a DUI can trigger changes in premium that can cause some rates to be much cheaper than others. Not only that, but companies change rates as often as every three months to adjust for gains or losses. A period of higher than normal claims can result in higher rates, while lower claim levels can result in lower-cost Cleveland car insurance rates.
To illustrate this example, the graph below compares the cheapest car insurance in Cleveland, OH for a 30-year-old female driver with no prior claims, no tickets, and a decent credit rating. When quoting prices based on her personal risk profile, Utica National quotes the most affordable car insurance rates in Cleveland at $828 each year. This is $212 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers round out the rest of the best Cleveland, OH auto insurance companies.
Now let’s give the driver from the first set of rates an at-fault accident, less-than-perfect credit, and a traffic citation. Since every car insurance company has their own guidelines to determining premium rates, comparing prices may result in a completely different list of the cheapest car insurance companies in Cleveland as shown below.
Merchants Insurance Group now has the cheapest price in Cleveland with Cincinnati Insurance, Grange Mutual, General Casualty, and Motorists Mutual also having competitive pricing. This example shows why consumers need to take the time to perform an extensive rate comparison when trying to get the cheapest car insurance rates for welfare recipients. Car insurance prices are influenced by many factors and can change substantially, so the cheapest rate when you bought your policy may now be one of the more expensive options.
The Cleveland car insurance agencies listed below are willing to provide answers to your questions and help you determine which car insurance company is the best fit, as lots of drivers aren’t clear which coverage they need and would like to have professional advice when trying to find the best insurance rates for drivers on welfare. It can be difficult to do it yourself, so getting advice from a licensed agent can provide you satisfaction knowing your coverage gives you adequate coverage when you need it most.
To find an auto insurance agency by location nearest to you, click the button following the list or click here to compare price quotes.
Anita Tyler – State Farm Insurance Agent
2168 S Taylor Rd – Cleveland Heights, OH 44118 – (216) 371-5900
Brown Brown Insurance Services
3691 Lee Rd #210 – Cleveland, OH 44120 – (216) 751-2713
Dick McClement – State Farm Insurance Agent
2700 W 25th St – Cleveland, OH 44113 – (216) 621-3723
The Brooks and Stafford Company
55 Public Square #1650 – Cleveland, OH 44113 – (216) 696-3000
Nationwide Insurance: James F Greer Jr
16700 Chagrin Blvd – Cleveland, OH 44120 – (216) 752-7100
View map of Cleveland, OH insurance agents
How to find more affordable insurance for welfare recipients
It is possible to find better rates, and here are some of the recommended money-saving ideas that can help drivers get more affordable coverage.
- Pay cheaper rates with good credit scores
- Do not get traffic citations
- Buy vehicles with five-star safety ratings
- Do not get into accidents
- Higher deductibles save money
- Comparison shop at least once a year
The last suggestion is remarkably valuable, as we stressed in the prior information. Car insurance prices fluctuate constantly, so don’t be hesitant to switch carriers if a better deal can be had. We understand brand loyalty, but it isn’t a good idea if that faithfulness ends up costing you big bucks every year. In just a couple of minutes you could compare rates to find cheaper insurance for welfare recipients in Cleveland.