One of the many criteria that help determine the amount you pay for auto insurance is where you normally keep your vehicle. More populated areas will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.
The table below shows the highest-priced areas in Ohio for low mileage drivers in which to buy car insurance. Cleveland is ranked at #4 having an annual price of $1,235 for the average insurance policy, which is approximately $103 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Youngstown | $1,273 |
| 2 | Columbus | $1,247 |
| 3 | Toledo | $1,241 |
| 4 | Cleveland | $1,235 |
| 5 | Cleveland Heights | $1,214 |
| 6 | Cincinnati | $1,210 |
| 7 | Euclid | $1,175 |
| 8 | Akron | $1,157 |
| 9 | Dayton | $1,120 |
| 10 | Hamilton | $1,113 |
| 11 | Fairfield | $1,095 |
| 12 | Springfield | $1,072 |
| 13 | Canton | $1,069 |
| 14 | Newark | $1,063 |
| 15 | Lakewood | $1,063 |
| 16 | Beavercreek | $1,058 |
| 17 | Middletown | $1,024 |
| 18 | Kettering | $1,020 |
| 19 | Mentor | $1,018 |
| 20 | Strongsville | $1,011 |
| 21 | Parma | $997 |
| 22 | Cuyahoga Falls | $997 |
| 23 | Elyria | $995 |
| 24 | Mansfield | $992 |
| 25 | Lorain | $975 |
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Prices are comparative as specific Cleveland garaging address can revise auto insurance rates substantially.
Finding decent, affordable auto insurance is not always easy, and determining which companies quote the most affordable auto insurance rates for low mileage drivers will involve even more rate comparisons. Every car insurance company uses their own calculation for filing rates in each state, so let’s take a look at the auto insurance companies that tend to be cheaper in Ohio.
It’s a good idea to be aware that Cleveland auto insurance rates are determined by lots of factors that control the price you pay for coverage. Improving your financial situation, buying a newer car, or getting a speeding ticket can trigger changes in premium that can make some companies cheaper than others.
Find Cheaper Auto Insurance in Ohio
Utica National normally has some of the lowest car insurance rates in Cleveland at around $628 each year. Erie, Allied, Frankenmuth, and USAA also make the cut as some of the more affordable Cleveland, OH auto insurance companies.
As the rates illustrate above, if you currently have a policy with Frankenmuth and switched to Utica National, you could see a yearly savings of approximately $59. Drivers with USAA could save as much as $83 a year, and Travelers insureds might reduce rates by $105 a year.
To discover how much you can save, click here to begin a quote or quote rates from the companies below.
Be aware that those rates are averaged across all types of insureds and vehicles and and are not figured with a vehicle location for low mileage drivers. So the car insurance company that is most affordable for your situation may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.
What is the best auto insurance company in Ohio?
Choosing the top auto insurance provider can be rather challenging considering how many companies sell insurance in Ohio. The ranking information below could help you decide which providers you want to consider when shopping car insurance rates for low mileage drivers.
The rankings below only include companies with a national presence, so companies that have a smaller presence are not factored into this list. To check rates from many more Ohio auto insurance companies, follow this link.
Top 10 Large Auto Insurance Providers in Cleveland Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- GEICO
- AAA Insurance
- Safeco Insurance
- Esurance
- The General
Top 10 Large Auto Insurance Providers in Cleveland Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
The diagram below shows how choosing a deductible can impact yearly insurance costs when researching cheap insurance for low mileage drivers. The premium estimates are based on a single female driver, comp and collision included, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could lower rates by $242 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $366 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could lower their rates $624 or even more by selecting a higher deductible.
If you do decide to increase your deductibles, it is necessary to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Liability-only versus full coverage
Paying less for auto insurance is the goal of the majority of people, and a good way to lower the cost of insurance for low mileage drivers is to only buy liability coverage. The information below illustrates the comparison of insurance costs with and without full coverage. The information is based on no violations or claims, $1,000 deductibles, single status, and no discounts are factored in.
Averaged out for all age groups, physical damage coverage on your policy costs an additional $961 per year over and above liability coverage. Many drivers will wonder if you should buy full coverage. There is no clear-cut rule to eliminate full coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
There are some cases where removing full coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Why you should be shopping around
Cleveland auto insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Turning one year older, buying higher coverage limits, or getting a ticket for careless driving can trigger rate changes that can now make some companies cheaper in comparison to the competition. And not only may your rating factors change, but insurers file new rates as needed as an adjustment for underwriting gains or losses. An extended period of higher than normal claims can result in a rate increase, while lower claim levels can produce cheaper Cleveland car insurance rates.
The bar chart below analyzes the cheapest car insurance in Cleveland, OH for a 45-year-old female driver with a clear driving record, no claims, and solid credit. When comparing rates based on her personal risk profile, Utica National might offer the lowest car insurance rates in Cleveland at $829 a year. This is $211 less than the average price paid by Ohio drivers of $1,040. Allied, Frankenmuth, Erie, and USAA are the remaining top five cheapest Cleveland, OH auto insurance companies.
Now we will pretend the driver from the first rate comparison a couple of claims, a lower credit score, and a blemish on her driving record. Since every car insurance company has a different process to set policy rates, analyzing rates could now result in a significantly different list of the cheapest companies as shown below.
Merchants Insurance Group now has the best car insurance rate in Cleveland with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual completing the list. This example illustrates why drivers need to compare as many rates as possible when trying to get cheap car insurance quotes for low mileage drivers. Insurance rates can be altered by many things and change dramatically, so the cheapest rate a year ago may now be priced much higher than other options.