Who Has Affordable Auto Insurance for a School Permit in Cleveland?

It’s impossible to miss the commercials from auto insurance companies like State Farm, Nationwide, and Allstate guaranteeing enormous savings, so drivers just need to pick one randomly, right?

Unfortunately, it’s not that simple as there are a whole bunch of unknown factors such as your age, what coverage limits you want, if you are married or single, and the area where you live, that help determine the price you have to pay. Car insurance is kind of a dry topic, but this article will explain the best ways to pay less and educate you enough to have a good start in finding the cheapest car insurance.

One of the more important things that aid in calculating the cost of insurance is where you normally keep your vehicle in Cleveland. More populated areas tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.

The next table rates the most expensive areas in Ohio for a school permit to purchase car insurance in. Cleveland is ranked #3 with a yearly premium of $1,272 for the average policyholder, which is approximately $106 per month.

How much does auto insurance cost in Cleveland?
Rank City Average Per Year
1 Youngstown $1,285
2 Toledo $1,279
3 Cleveland $1,272
4 Cleveland Heights $1,214
5 Columbus $1,211
6 Cincinnati $1,210
7 Hamilton $1,146
8 Dayton $1,142
9 Euclid $1,129
10 Akron $1,123
11 Fairfield $1,095
12 Lakewood $1,073
13 Canton $1,069
14 Middletown $1,066
15 Newark $1,063
16 Springfield $1,061
17 Beavercreek $1,047
18 Strongsville $1,041
19 Kettering $1,040
20 Cuyahoga Falls $1,027
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Rate information is approximated as the garaging address in Cleveland can increase or decrease price quotes noticeably.

Establishing which companies offer the cheapest car insurance rates for a school permit takes a little more effort in order to find a policy that fits your budget. Every auto insurer has a unique formula to determine premium rates, so we will examine the car insurance companies that tend to be cheaper in Cleveland.

We do need to point out that Cleveland, OH car insurance rates are impacted by many factors that may substantially change the price you pay. Simply getting older, increasing deductibles, or having an at-fault accident can cause premium changes that can now make some companies much cheaper than others.

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Utica National offers some of the cheapest car insurance rates in Cleveland at around $647 annually. Erie, Allied, Frankenmuth, and USAA also rank well as some of the more affordable Cleveland, OH car insurance companies.

As the rates illustrate above, if you buy coverage from Allied and switched to Utica National, you could earn an annual savings of around $29. Drivers with Frankenmuth may save as much as $54 a year, and USAA customers might cut rates by $72 a year.

Understand that those policy rates are averaged across all drivers and vehicles in Ohio and and are not calculated with an exact zip code location for a school permit. So the car insurance company that fits your needs best may not even be in the list above. That points out the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Liability rates compared to full coverage

Reducing premiums for car insurance should be important to the majority of people, and an easy way to buy cheap insurance for a school permit is to only pay for liability coverage. The diagram below illustrates the comparison of annual premium costs with full coverage compared to only the Ohio minimum liability coverage. The costs are based on no violations or claims, $100 deductibles, drivers are not married, and no discounts are applied.

If we average the cost for ages 20 through 70, full coverage on your policy costs an extra $1,308 per year over liability only. A very common question is when is the right time to remove full coverage. There is no definitive formula for phasing out physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $6,000 after paying your deductible. If premiums are more than $600 a year for full coverage, then you might consider buying liability only.

How to get discounts on Cleveland insurance

Save on car insurance for a learners permit in ClevelandInsurance providers that offer cheap quotes for a school permit may additionally offer policy discounts that can lower rates by 25% or more if you meet eligibility requirements. Larger car insurance companies and a summarized list of policyholder discounts can be read below.

The example below illustrates the comparison of annual premium costs with and without discounts applied to the rates. The costs are based on a female driver, no claims or driving citations, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, paperless filing, paid-in-full, continuous coverage, anti-theft, and good student discounts applied. With discounts applied, the average savings per year on car insurance for a school permit is 28% or $402.

Buying coverage from the top auto insurance company is hard considering how many companies there are to choose from in Cleveland. The company ratings shown below can help you analyze which coverage providers you want to consider buying from. The ratings below include companies with a national presence, so smaller companies will not be included in these rankings.

Best Ten Car Insurance Companies for a School Permit in Ohio
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
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Data Source: Insure.com Best Car Insurance Companies