For Uber vehicles, one of the largest criteria that aid in calculating the annual cost of car insurance is where you keep your vehicle in Cleveland. Cities with more crime and/or more people likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive slightly lower rates.
The table below ranks the most expensive areas in Ohio for Uber drivers in which to purchase auto insurance. Cleveland is listed at #2 with an annual cost of $1,259 for the average policyholder, which is about $105 monthly.
|Rank||City||Average Per Year|
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Prices are comparative as the specific Cleveland residence address can affect coverage prices noticeably.
The vehicle model to be insured is a large factor when comparing the cheapest car insurance for Uber drivers. Vehicles with lots of horsepower, a lack of modern safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models.
The information below shows coverage rates for some of the most affordable automobiles to insure in Ohio.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,350|
|Honda Accord LX-P 4-Dr Sedan||$1,360|
|Ford Edge SE 2WD||$1,484|
|Dodge Grand Caravan SE||$1,513|
|Honda Odyssey EX||$1,569|
|Honda CR-V EX-L 4WD||$1,579|
|Volkswagen Jetta S 4-Dr Sedan||$1,598|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,650|
|Ford Escape Limited 4WD||$1,674|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$1,711|
|Toyota Tacoma 4WD||$1,735|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,772|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in garaging location in Cleveland, OH which can modify auto insurance rates substantially.
Based on these rates, we can tell that cars like the Hyundai Elantra, Honda Accord, and Ford Edge are some of the less-costly vehicles to insure for Uber vehicles.
Establishing which companies offer the cheapest auto insurance rates for Uber drivers will take a little more sweat than just comparing rates from one or two companies.
Each auto insurer uses their own method to determine premium rates, so let’s take a look at the most budget-friendly auto insurance companies in Cleveland, OH. It’s a good idea to be aware that Cleveland auto insurance rates are calculated based on many things which can substantially change the cost of having a policy. Getting older, getting married, or getting a reckless driving citation can trigger changes in premium resulting in some companies being much cheaper than others.
Find the Cheapest Car Insurance for Your Uber Vehicle
Utica National may offer some of the lowest car insurance rates in Cleveland at around $647 a year. Erie, Allied, Frankenmuth, and Travelers would also be considered some of the lowest-priced Cleveland, OH insurance companies.
In the above rates, if you are a customer of Allied and switched to Utica National, you might see an annual savings of upwards of $22. Policyholders with Frankenmuth may save as much as $40 a year, and Travelers insureds might cut rates by $65 a year.
To see if you’re overpaying, click here to start your custom quote or visit any of the low-priced companies below.
Be aware that those estimates are averaged for all insureds and vehicles and are not factoring in a specific vehicle garaging location for Uber drivers. So the auto insurance company that has the cheapest rates for you may not even be in the top 33 companies in the list above. That affirms the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.
Buying coverage from the right company can be rather challenging considering how many choices there are in Cleveland. The ranking data below may help you decide which car insurance providers you want to consider when comparing insurance rates for Uber drivers.
The ratings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not factored into the list. If you’d like to compare prices from the most competitive companies in Ohio, follow this link.
Top 10 Large Auto Insurers Overall in Cleveland
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
Top 10 Large Auto Insurers in Cleveland Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
- Erie Insurance
Responsible drivers pay cheaper auto insurance rates
The recommended way to score cheap auto insurance rates in Ohio for Uber vehicles is to be a safe driver and avoid getting tickets or having accidents. The chart below demonstrates how traffic citations and at-fault claims can increase auto insurance rates for different age groups. The premiums assume a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
In the prior example, the average cost of car insurance in Cleveland per year with no violations or accidents is $1,008. Get written up for two speeding tickets and the average cost surges to $1,387, an increase of $379 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for Uber drivers increases to an average of $2,802. That’s an increase of $1,794, or $150 per month, just for not being attentive to the road!
Shop around and save
Ohio auto insurance rates are impacted by many factors that will increase or decrease the cost of your policy. Simply getting older, having a teen driver, or getting a few speeding tickets may generate price changes that can make some companies more affordable than the competition.
In addition, auto insurance companies amend pricing every year to adjust for heavy claims or excess profits. Larger than normal claims can cause rate hikes, while a lower level of claims can cause cheaper Cleveland car insurance rates.
For instance, the data below shows which company has the cheapest car insurance in Cleveland, OH for a 45-year-old female driver with no violations or accidents, and excellent credit. If we estimate rates based on her current situation, Utica National may have the lowest car insurance rates in Cleveland at $853 a year. This is $187 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are also on the list of the best Cleveland, OH auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example a chargeable claim, a lower credit rating, and a blemish on her driving record. Since every insurance provider has their own formula for setting prices, getting updated rate quotes could now result in a new list of the cheapest companies as shown below.
Merchants Insurance Group now has the best price in Cleveland, OH with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual now being in the top five. This example illustrates why consumers need to take the time to perform an extensive rate comparison to find cheap auto insurance quotes for Uber drivers.
Auto insurance prices are impacted by many risk factors and can decrease or increase without notice, so the best company when you last compared rates may now be wasting a lot of money.