One of the many considerations that are looked at to determine insurance cost is where you choose to live. Areas with high crime rates or more dense population are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The information below rates the priciest cities in Ohio for safe drivers in which to buy car insurance. Cleveland is ranked #2 with a yearly cost of $1,272 on average, which is around $106 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Youngstown | $1,273 |
| 2 | Cleveland | $1,272 |
| 3 | Toledo | $1,229 |
| 4 | Cincinnati | $1,222 |
| 5 | Columbus | $1,199 |
| 6 | Cleveland Heights | $1,166 |
| 7 | Euclid | $1,140 |
| 8 | Hamilton | $1,135 |
| 9 | Akron | $1,135 |
| 10 | Dayton | $1,120 |
| 11 | Springfield | $1,105 |
| 12 | Canton | $1,102 |
| 13 | Fairfield | $1,063 |
| 14 | Lakewood | $1,063 |
| 15 | Newark | $1,053 |
| 16 | Kettering | $1,051 |
| 17 | Middletown | $1,035 |
| 18 | Beavercreek | $1,027 |
| 19 | Parma | $1,027 |
| 20 | Lorain | $1,015 |
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Annual rates are estimated as the specific garaging location can change premium rates significantly.
Deciphering which insurers offer the best auto insurance rates for safe drivers will require more work than just quoting one company’s rates. Every car insurance company used slightly different criteria to determine premium rates, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Cleveland, OH.
Keep in mind that Cleveland auto insurance rates are influenced by many factors that will increase or decrease the price you have to pay. Simply improving your credit, having a claim, or having an accident may cause policy rate changes resulting in some rates now being affordable when they were higher priced.
Cheap Insurance Rates for Safe Drivers
Utica National may have some of the most affordable car insurance rates in Cleveland at around $654 a year. This is $386 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also make the cut as some of the more affordable Cleveland, OH insurance companies.
As shown in the rates above, if you are a policyholder with Erie and switched to Utica National, you could earn yearly savings of upwards of $7. Ohio drivers with Allied could save as much as $43 a year, and Frankenmuth insureds might see rate reductions of $54 a year.
Understand that those prices are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a vehicle location for safe drivers. So the company that fits your situation best may not even be in the top 33 companies shown above. That illustrates why you need to compare prices as often as possible using your own specific driver and vehicle information.
The car, truck, or SUV to be insured is one of the biggest factors that determines if you can find low-cost coverage for safe drivers. Vehicles with lower performance, good crash test ratings, or a positive history of liability claims will cost less to insure than fast, unsafe models.
The next list illustrates auto insurance costs for the more affordable automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,320 |
| Hyundai Elantra SE Touring Station Wagon | $1,432 |
| Ford Escape Limited 4WD | $1,439 |
| Honda CR-V EX 4WD | $1,547 |
| Toyota RAV4 Sport 4WD | $1,566 |
| Chevrolet Impala LT | $1,571 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,665 |
| Honda Odyssey LX | $1,671 |
| Jeep Grand Cherokee Limited 4WD | $1,675 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,683 |
| Chevrolet Malibu LTZ | $1,675 |
| Toyota Prius | $1,685 |
| Toyota Camry Hybrid | $1,785 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in specific location which can decrease or increase premium rates significantly.
Based upon the table data, you can figure that vehicles like the Honda Accord, Hyundai Elantra, Ford Escape, Honda CR-V, and Toyota RAV4 will definitely be the less-costly vehicles to insure for good drivers.
Poor driving habits will raise your auto insurance rates
The easiest way to enjoy the most affordable auto insurance premiums for good drivers is to drive attentively and avoid accidents and traffic citations. The illustration below shows how traffic citations and at-fault fender-benders impact insurance costs for each age group. The price estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the prior example, the average cost of a car insurance policy in Ohio per year with no accidents or violations is $1,345. Factor in two speeding tickets and the average cost swells to $1,917, an increase of $572 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for safe drivers goes up to an average of $3,966. That’s an increase of $2,620, or $218 per month, just for not keeping your driving record clean!
Get discounts on Cleveland insurance rates
Insurance providers that offer coverage for safe drivers may also offer premium discounts that could reduce prices by as much as 35% or more if you are eligible to receive them. Popular auto insurance companies and the discounts they provide can be read below.
- GEICO policyholders can earn discounts including military active duty, federal employee, good student, driver training, air bags, and anti-lock brakes.
- Auto-Owners Insurance may include discounts for anti-lock brakes, teen driver, safe driver, anti-theft, air bags, and student away at school.
- American Family discounts include defensive driver, good driver, air bags, good student, multi-vehicle, and mySafetyValet.
- Esurance offers discounts including online shopper, DriveSense, anti-theft, good student, and paid-in-full.
- Progressive has savings for multi-vehicle, continuous coverage, multi-policy, online signing, and good student.
- State Farm includes discounts for passive restraint, multiple autos, anti-theft, Drive Safe & Save, student away at school, Steer Clear safe driver discount, and accident-free.
- AAA has discounts for multi-car, AAA membership discount, pay-in-full, education and occupation, multi-policy, good student, and anti-theft.
The illustration below visualizes the comparison of premium costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no claims or driving violations, Ohio state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with safe-driver, accident-free, multiple vehicle, defensive driving course, anti-theft, and claim-free discounts applied. With discounts applied, theaverage amount saved on auto insurance for safe drivers is 27% or $362.
How to find a good Cleveland auto insurance company
Ending up with a good quality auto insurance provider can be difficult considering how many companies provide coverage in Ohio. The information listed below can help you analyze which auto insurance companies you want to consider when shopping insurance around for safe drivers. The rankings below are only comprised of large insurance companies, so companies that may only write in Ohio are not taken into consideration for this list.
| 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 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies