One of the many considerations that are looked at to help calculate the amount you pay for auto insurance is where you call home in Cleveland. Areas with more people or more claims are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive slightly lower rates.
The illustration below ranks the highest-priced areas in Ohio for good drivers in which to purchase auto insurance. Cleveland shows up at #4 with an annual cost of $1,222 for the average policy, which is approximately $102 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Toledo | $1,241 |
| 2 | Youngstown | $1,235 |
| 3 | Columbus | $1,235 |
| 4 | Cleveland | $1,222 |
| 5 | Cleveland Heights | $1,214 |
| 6 | Cincinnati | $1,186 |
| 7 | Dayton | $1,154 |
| 8 | Akron | $1,135 |
| 9 | Euclid | $1,129 |
| 10 | Springfield | $1,105 |
| 11 | Hamilton | $1,102 |
| 12 | Canton | $1,091 |
| 13 | Lakewood | $1,063 |
| 14 | Newark | $1,063 |
| 15 | Fairfield | $1,053 |
| 16 | Beavercreek | $1,047 |
| 17 | Parma | $1,037 |
| 18 | Middletown | $1,024 |
| 19 | Mansfield | $1,022 |
| 20 | Kettering | $1,020 |
| 21 | Strongsville | $1,011 |
| 22 | Cuyahoga Falls | $997 |
| 23 | Mentor | $988 |
| 24 | Elyria | $975 |
| 25 | Lorain | $975 |
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Premium amounts are comparative as the specific geographic location can increase or decrease price quotes considerably.
Trying to buy reasonably-priced insurance is not the easiest thing to do, and determining which company offers the best auto insurance rates for good drivers will take a little more work. Every car insurance company has a unique formula to set premium rates, so let’s take a look at the lowest cost auto insurance companies in Ohio.
It’s important that you understand Cleveland auto insurance rates are calculated based on many things that will increase or decrease the cost of a policy. Simply improving your credit score, buying a new vehicle, or getting caught speeding may cause policy rate changes that may make certain companies more affordable than the competition.
Best Car Insurance Prices for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $635 |
| 2 | Allied | $676 |
| 3 | Frankenmuth | $680 |
| 4 | Erie | $681 |
| 5 | Travelers | $705 |
| 6 | USAA | $733 |
| 7 | Cincinnati Insurance | $749 |
| 8 | Merchants Insurance Group | $778 |
| 9 | General Casualty | $805 |
| 10 | Grange Mutual | $812 |
| 11 | Motorists Mutual | $824 |
| 12 | Central Mutual | $840 |
| 13 | Hastings Mutual | $858 |
| 14 | State Farm | $867 |
| 15 | Westfield | $908 |
| 16 | Atlantic States | $931 |
| 17 | Western Reserve | $932 |
| 18 | Progressive | $962 |
| 19 | Auto-Owners | $968 |
| 20 | Nationwide | $988 |
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Utica National generally has some of the lowest car insurance rates in Cleveland at around $635 per year. Allied, Frankenmuth, Erie, and Travelers would also be considered some of the cheaper Cleveland, OH insurance companies.
As the example above demonstrates, if you are insured with Erie and switched to Utica National, you could realize an annual premium reduction of around $46. Ohio drivers with Travelers may save as much as $70 a year, and USAA insureds might reduce rates by $98 a year.
These policy rates are averages across all insureds and vehicles and and are not figured with an exact zip code location for good drivers. So the car insurance company that fits your needs best may not even be in the top 33 companies in the list above. That affirms the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.
Insuring your vehicle with the right auto insurance provider is difficult considering how many companies are available to choose from in Ohio. The company ratings shown below could help you pick which companies to look at comparing price quotes from. These rankings are only made up of large insurance companies, so companies that only write business in Ohio or surrounding areas will not be included in 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Cleveland insurance
Insurers that provide policies for good drivers may also offer special discounts that could lower prices by as much as 40% or more if you meet eligibility requirements. A few popular companies and a summarized list of policyholder discounts include:
- Farmers Insurance offers discounts including distant student, switch companies, alternative fuel, bundle discounts, pay in full, and good student.
- State Farm may offer discounts for good driver, multiple autos, anti-theft, multiple policy, defensive driving training, and student away at school.
- Liberty Mutual policyholders can earn discounts including multi-car, newly retired, newly married, good student, and new vehicle discount.
- MetLife has savings for good driver, multi-policy, accident-free, good student, and claim-free.
- Progressive offers discounts for multi-policy, multi-vehicle, good student, continuous coverage, online quote discount, online signing, and homeowner.
The illustration below compares annual premium costs with and without some available policy discounts. The premiums assume a female driver, no accidents or driving violations, Ohio state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, accident-free, homeowner, passive restraint, safe-driver, and marriage discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for good drivers is 28% or $379.
Ideas for buying more affordable insurance for good drivers
It’s not impossible to find cheaper rates, and here are a few money-saving ideas that can help you get more affordable car insurance.
- Choose a safer vehicle and pay lower rates
- Do not get into accidents
- Drop full coverage on older vehicles
- Buying home and auto together can help save money
- Increase your credit score
- Compare rates and switch if you can find a better deal
That last piece of advice is extraordinarily crucial, as was pointed out in the article above. Prices charged by auto insurers can change in a short period of time, so don’t be unwilling to buy from a new company if a cheaper rate is available.
Having a favorite company is fine, but it’s not a good idea if that inflexibility results in costing you a lot of money. It only take a few minutes to shop around and find cheaper insurance for good drivers in Cleveland.