The car, truck, or SUV driven is probably the largest consideration when quoting cheaper insurance for high mileage drivers. Vehicles with limited speed and performance, good crash test ratings, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models.
The information below estimates auto insurance prices for a selection of the more affordable vehicles to insure in Ohio.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $1,321 |
| Honda CR-V LX 4WD | $1,396 |
| Chevrolet Malibu LT | $1,471 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,491 |
| Toyota Camry SE | $1,519 |
| Ford Edge Limited AWD | $1,525 |
| Dodge Ram Quad Cab SLT 2WD | $1,574 |
| Volkswagen Jetta 2.0T Station Wagon | $1,629 |
| Dodge Ram 2500 Crew Cab ST 2WD | $1,649 |
| Ford F-250 XL Super Cab 2WD | $1,659 |
| Toyota RAV4 Sport 2WD | $1,654 |
| Chevrolet Equinox LS 2WD | $1,661 |
| Toyota Prius | $1,659 |
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Table data represents 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, multi-vehicle, and homeowner. Premium costs do not factor in specific zip code location which can decrease or increase rates greatly.
Based upon the table data, you can expect cars like the Ford Escape, Honda CR-V, Chevrolet Malibu, and Hyundai Elantra are most likely going to be the cheapest vehicles to insure for high mileage drivers.
Comparing quotes for low-cost auto insurance is challenging, and determining which company quotes the cheapest insurance rates for high mileage drivers involves more quotes for comparison. Each insurance company has their own guidelines to determine rates, so we’ll go over the most competitive insurance companies in Ohio.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $635 |
| 2 | Erie | $661 |
| 3 | Allied | $676 |
| 4 | Frankenmuth | $680 |
| 5 | Travelers | $726 |
| 6 | USAA | $741 |
| 7 | Cincinnati Insurance | $749 |
| 8 | Merchants Insurance Group | $778 |
| 9 | Grange Mutual | $812 |
| 10 | Motorists Mutual | $816 |
| 11 | General Casualty | $829 |
| 12 | State Farm | $858 |
| 13 | Central Mutual | $866 |
| 14 | Hastings Mutual | $884 |
| 15 | Westfield | $918 |
| 16 | Atlantic States | $940 |
| 17 | Auto-Owners | $958 |
| 18 | Western Reserve | $961 |
| 19 | Nationwide | $988 |
| 20 | Progressive | $991 |
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Utica National normally has some of the best car insurance rates in Cleveland at around $635 per year. This is $405 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 most economical Cleveland, OH auto insurance companies.
As depicted above, if you currently have coverage with Allied and switched to Utica National, you could see an annual premium reduction of in the neighborhood of $41. Customers with Frankenmuth could save as much as $45 a year, and Travelers insureds might lower prices by up to $91 a year.
These rates are averages across all types of insureds and vehicles and and are not calculated with a specific vehicle garaging location for high mileage drivers. So the auto insurance company that fits your needs best may not even be in the list above. That affirms the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.
One of the more important things that are looked at to determine the amount you pay for auto insurance is where you live in Cleveland. Cities with larger populations or higher claim trends will most likely pay more, whereas areas with less congestion get the luxury of paying less.
The information below sorts the highest-priced areas in Ohio for high mileage drivers to buy an auto insurance policy in. Cleveland comes in at #2 with an annual rate of $1,272 for the average policy, which is approximately $106 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Youngstown | $1,285 |
| 2 | Cleveland | $1,272 |
| 3 | Toledo | $1,241 |
| 4 | Columbus | $1,235 |
| 5 | Cincinnati | $1,186 |
| 6 | Cleveland Heights | $1,178 |
| 7 | Akron | $1,169 |
| 8 | Hamilton | $1,146 |
| 9 | Euclid | $1,140 |
| 10 | Dayton | $1,120 |
| 11 | Canton | $1,069 |
| 12 | Middletown | $1,066 |
| 13 | Newark | $1,063 |
| 14 | Lakewood | $1,063 |
| 15 | Springfield | $1,061 |
| 16 | Fairfield | $1,053 |
| 17 | Kettering | $1,040 |
| 18 | Beavercreek | $1,016 |
| 19 | Cuyahoga Falls | $1,007 |
| 20 | Lorain | $1,005 |
| 21 | Mansfield | $1,002 |
| 22 | Strongsville | $1,001 |
| 23 | Parma | $997 |
| 24 | Elyria | $995 |
| 25 | Mentor | $978 |
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Price information shown is approximated as vehicle location can modify auto insurance rates significantly.
The information below shows how different deductible levels can influence insurance rates when researching cheap insurance for high mileage drivers. The premiums assume a married male driver, full coverage, and no discounts are applied.
The chart above illustrates that a 40-year-old driver could cut expenses by $222 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $336 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could reduce their rates up to $736 every year just by using higher deductibles.
When choosing a higher deductible, it is essential to have plenty of savings on hand to be able to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Get discount Cleveland auto insurance
Insurance providers that offer cheap quotes for high mileage drivers may additionally offer rate discounts that may potentially lower prices by as much as 25% or more if you can meet the requirements. A list of insurance companies and some of their more popular discounts can be found below.
- State Farm may have discounts that include good driver, good student, multiple autos, driver’s education, and Steer Clear safe driver discount.
- Progressive offers premium reductions for online signing, online quote discount, multi-vehicle, good student, and homeowner.
- Progressive offers discounts for online quote discount, homeowner, multi-policy, multi-vehicle, and continuous coverage.
- MetLife has savings for defensive driver, claim-free, accident-free, good student, multi-policy, and good driver.
- Farm Bureau discounts include 55 and retired, youthful driver, multi-policy, multi-vehicle, safe driver, good student, and driver training.
- GEICO may include discounts for federal employee, defensive driver, anti-lock brakes, multi-policy, and five-year accident-free.
- SAFECO may offer discounts for anti-lock brakes, accident prevention training, multi-car, teen safety rewards, and bundle discounts.
The information below shows the difference between annual premium costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with accident-free, homeowner, safe-driver, defensive driving course, anti-theft, and passive restraint discounts applied. With discounts applied, the average savings per year on insurance for high mileage drivers is 28% or $264.
If you aren’t sure which coverage you need and prefer to have some professional guidance when shopping for the best coverage for high mileage drivers, the insurance agencies below can provide answers to your questions and help you determine which auto insurance policy would work best for you. To locate a Cleveland insurance agent close to you, click the button after the list or click here to compare price quotes now.
- Mraz Insurance Agency
20180 Center Ridge Rd – Cleveland, OH 44116 – (440) 356-2055 - Bass Ohio Insurance Agency LLC
815 Superior Avenue E, Suite 1412 – Cleveland, OH 44114 – (440) 862-0352 - Oswald Wealth
1100 Superior Ave Suite 1345 – Cleveland, OH 44114 – (216) 367-8787 - State Farm: Betsy Warner
2491 Lee Blvd – Cleveland Heights, OH 44118 – (216) 932-6900 - Furlong and Co Insurance Agency Inc
569 E 185th St – Cleveland, OH 44119 – (216) 486-4170
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How to find economical insurance for high mileage drivers
It is possible to find better rates, and here are some of the better money-saving ideas that can help you quote cheap coverage.
- Good credit can save money
- Insure your home and auto with the same company
- Save money by observing traffic laws and speed limits
- At-fault accidents will increase rates
- Raise deductibles
- Pay for small claims rather than turning them in to your insurance company
- Compare rates regularly to ensure the best deal
That final tip is particularly important, as was affirmed in this article. Auto insurance rates can be changed at any time, so don’t be unwilling to switch to a new company if a cheaper rate is available.
Many drivers prefer to stick with one company, but it’s not a great idea if that faithfulness ends up costing you a small fortune. In just a couple of minutes you could compare prices and find cheaper auto insurance for high mileage drivers in Cleveland.