You have most likely watched the commercials from companies like Progressive, Allstate, and Farmers guaranteeing huge savings. So you just need to pick one at random, right?
It’s not quite that easy, unfortunately, as there are a whole bunch of unknowns such as what deductibles to use for physical damage coverage, if you have any driving citations, and how safe your vehicle is. Car insurance is kind of a dry topic, but this article will explain the different ways you can keep rates low and will hopefully give you a good start in finding the cheapest car insurance in Cleveland.
Shopping around for low-priced auto insurance is not easy, and finding out which company offers the best auto insurance rates after a speeding ticket will involve even more rate comparisons. Every auto insurer has a proprietary method to determine premium rates, so let’s take a look at the auto insurance companies with the most affordable rates in Cleveland.
It’s important that readers know that Cleveland auto insurance rates are impacted by many things which can substantially decrease or increase the price of coverage. That is why Ohio drivers need to shop around to get the best auto insurance quotes after a speeding ticket. Insurance prices consist of many risk factors and change dramatically, so the best price two years ago may now be one of the higher cost companies.
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Utica National offers some of the best car insurance rates in Cleveland at around $654 a year. Frankenmuth, Erie, Allied, and USAA also rank well as some of the most economical Cleveland, OH auto insurance companies.
In the rate table above, if you currently have a policy with Frankenmuth and switched to Utica National, you might see a yearly savings of about $26. Customers with Erie might save as much as $33 a year, and Allied customers might lower prices by $36 a year.
To see if your current coverage is too expensive, click here to start your free quote or visit several of the following companies.
Be aware that those premiums are averages across all types of drivers and the different vehicles they drive and and are not calculated with a vehicle location after a speeding ticket. So the car insurance company that fits you best may not even be in the top 33 companies in the list above. That helps illustrate why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
After a few driving violations, one of the largest criteria that determine car insurance rates is your zip code in Cleveland. Larger areas tend to pay more, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.
The following table lists the most expensive areas in Ohio after a speeding ticket to purchase auto insurance in. Cleveland is ranked #3 with the annual price of $1,259 on average, which is about $105 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Youngstown | $1,273 |
| 2 | Toledo | $1,267 |
| 3 | Cleveland | $1,259 |
| 4 | Columbus | $1,247 |
| 5 | Cincinnati | $1,210 |
| 6 | Cleveland Heights | $1,178 |
| 7 | Euclid | $1,164 |
| 8 | Hamilton | $1,135 |
| 9 | Akron | $1,123 |
| 10 | Dayton | $1,120 |
| 11 | Canton | $1,091 |
| 12 | Newark | $1,085 |
| 13 | Lakewood | $1,073 |
| 14 | Springfield | $1,072 |
| 15 | Fairfield | $1,063 |
| 16 | Kettering | $1,040 |
| 17 | Parma | $1,037 |
| 18 | Middletown | $1,035 |
| 19 | Mansfield | $1,032 |
| 20 | Mentor | $1,018 |
| 21 | Beavercreek | $1,016 |
| 22 | Cuyahoga Falls | $1,007 |
| 23 | Strongsville | $1,001 |
| 24 | Lorain | $985 |
| 25 | Elyria | $965 |
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Rate quotes are approximated as specific location information can increase or decrease prices substantially.
The vehicle that is being insured is one of the primary factors in finding the cheapest car insurance after a speeding ticket. Vehicles with high performance, poor crash test ratings, or a track record of large liability claims will cost more to insure than more modest models.
The information below showcases insurance prices for a handful of the most cost-effective automobiles to insure in Ohio.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Odyssey LX | $1,814 |
| Honda Accord EX 4-Dr Sedan | $1,826 |
| Ford Escape XLT 2WD | $1,835 |
| Toyota Prius | $1,836 |
| Ford Explorer XLT 2WD | $1,851 |
| Chevrolet Impala LS | $1,922 |
| Ford Edge SEL 2WD | $1,928 |
| Toyota Tacoma Double Cab 4WD | $1,958 |
| Dodge Grand Caravan Hero | $1,966 |
| Chevrolet Malibu LS | $1,958 |
| Honda CR-V EX-L 2WD | $1,963 |
| Hyundai Elantra SE Touring Station Wagon | $1,983 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $2,005 |
| Honda Civic EX 4-Dr Sedan | $2,026 |
| Kia Optima LX | $2,100 |
| Nissan Rogue SL 2WD | $2,106 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $2,102 |
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Price data assumes single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, and homeowner. Prices do not factor in garaging location in Cleveland, OH which can revise price quotes greatly.
Looking at the numbers, vehicles like the Honda Odyssey, Honda Accord, Ford Escape, Toyota Prius, and Ford Explorer are most likely going to be the most affordable vehicles to insure after a few driving violations.
Which auto insurance company is best in Ohio?
Choosing the right auto insurance provider is difficult considering how many companies are available to choose from in Cleveland. The rank data displayed below may help you analyze which coverage providers to look at when trying to find the cheapest insurance after a speeding ticket.
The rankings below only include the largest auto insurers in America, so smaller companies that only insure vehicles in Ohio are not taken into consideration for the list. If you would like to check rates from these and other top-rated companies, just click here.
Top 10 Major Auto Insurance Providers in Cleveland Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Top 10 Major Auto Insurance Providers in Cleveland Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- GEICO
- AAA Insurance
- Safeco Insurance
- Esurance
- The General
The information below demonstrates how deductibles can change insurance premiums when quoting cheap insurance after a speeding ticket. The price estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
The data above shows that a 50-year-old driver could reduce rates by $186 a year by changing from a $100 deductible to a $500 deductible, or save $282 by changing to a $1,000 deductible. Even younger insureds, like the age 20 example, could lower their rates as much as $612 or more just by choosing higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it’s a good idea to have enough in a savings account to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How to find more affordable car insurance after a speeding ticket
It is possible to find better rates, and here are many thrifty suggestions that can help drivers locate cheaper coverage.
- Avoid getting citations and tickets
- Drivers with good credit often pay less
- Staying accident-free helps keep rates low
- Higher deductibles save money
- Drive safe vehicles
- Look for cheaper rates once a year by shopping around
That last tip is notably valuable, as was emphasized in the prior article. Coverage prices in Cleveland fluctuate constantly, so don’t be hesitant to buy from a new company if a lower-cost policy is available. Being loyal to a particular company is commendable, but it’s not a great idea if it’s costing you a small fortune. It only take a few minutes to compare prices and find cheaper insurance after a speeding ticket.
If you aren’t sure which coverage to buy and prefer to have the advice of a professional agent when shopping for cheaper insurance after a speeding ticket, the agents listed below can help you decide which auto insurance coverages would be the best in your situation.
To locate a Cleveland car insurance agency in your neighborhood, click the button after the list.
Valerie A Anderson – State Farm Insurance Agent
2291 Lee Rd – Cleveland Heights, OH 44118 – (216) 932-0100
MR Insurance Partners Agency, Inc.
3310 Prospect Ave E – Cleveland, OH 44115 – (216) 361-9797
Mraz Insurance Agency
20180 Center Ridge Rd – Cleveland, OH 44116 – (440) 356-2055
Lake Shore Insurance Agency
735 Beta Dr – Cleveland, OH 44143 – (440) 446-1600
Insurance Cleveland Agency, LLC
5602 State Rd – Parma, OH 44134 – (800) 701-5909