The type of vehicle requiring coverage is one of the largest considerations when trying to find low-priced coverage for uninsured drivers. Vehicles with lower performance, advanced safety features, or low incidents of liability claims will cost less to insure than higher performance models.
The table below ranks coverage costs for a selection of the cheaper automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,032|
|Honda CR-V EX 4WD||$1,057|
|Toyota Tacoma 4WD||$1,159|
|Chevrolet Impala LS||$1,196|
|Toyota RAV4 Sport 4WD||$1,221|
|Chevrolet Equinox LT 2WD||$1,228|
|Honda Accord EX-L 4-Dr Sedan||$1,223|
|Honda Odyssey LX||$1,258|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,260|
|Ford Focus SEL 4-Dr Sedan||$1,266|
|Dodge Grand Caravan SE||$1,263|
|Ford Explorer XLT 2WD||$1,290|
|Honda Civic DX 4-Dr Sedan||$1,303|
|GMC Sierra SLT Extended Cab 2WD||$1,310|
|Jeep Grand Cherokee Laredo 2WD||$1,332|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,335|
|Ford F-150 SVT Raptor Super Cab 4WD||$1,362|
|Toyota Camry LE||$1,365|
|Ford Fusion S 4-Dr Sedan||$1,374|
|Chevrolet Malibu LS||$1,365|
|Hyundai Elantra Blue 4-Dr Sedan||$1,372|
|Toyota Camry Hybrid||$1,394|
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific garaging location which can increase or decrease premiums significantly.
Looking at the numbers, you can figure that models like the Ford Escape, Honda CR-V, Toyota Tacoma, Chevrolet Impala, and Toyota RAV4 are most likely going to be the most budget-friendly vehicles to insure for drivers with no prior coverage.
One of the many factors that determine the amount you pay for auto insurance is where you keep your vehicle in Cleveland. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The next table shows the most expensive places in Ohio for uninsured drivers to buy car insurance in. Cleveland is ranked at #3 with an annual rate of $1,235 for car insurance, which is around $103 each month.
|Rank||City||Premium Per Year|
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Premium amounts are estimated as the specific garaging location can raise or lower insurance rates noticeably.
Selecting a highly-rated auto insurance provider is hard considering how many different insurance companies sell coverage in Cleveland. The company information displayed below can help you select which coverage providers to look at comparing prices from.
The rankings below include the largest auto insurers in America, so companies that only write business in Ohio or surrounding areas are not included in these rankings. To compare prices and find cheaper insurance for uninsured drivers, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Insurance rate increases from tickets or accidents
In a perfect world, the best way to receive the cheapest auto insurance prices in Ohio for drivers with no prior coverage is to drive safely and avoid getting tickets or having accidents. The diagram below illustrates how speeding tickets and accident claims can impact car insurance costs for different age groups. The prices are based on a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
In the prior example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,601. Get two speeding tickets and the average cost rises to $2,119, an increase of $518 each year. Now add one accident along with the two speeding tickets and the annual cost of auto insurance for uninsured drivers jumps again to an average of $2,649. That’s an increase of $1,048, or $87 per month, just for not driving safely!
Why you should compare rates
Cleveland, OH auto insurance rates are calculated based on many things that will increase or decrease the price you pay. Improving your credit rating, moving across town, or getting a speeding ticket may cause policy rate changes resulting in some companies being much cheaper than others.
Also, auto insurance companies modify pricing at least once a year to help ensure profitability. Unexpectedly high claims may result in more expensive prices, while profitable underwriting can result in cheaper Cleveland car insurance rates.
The graph below shows rates for the cheapest car insurance in Cleveland, OH for a 35-year-old male driver with a clear driving record, no claims, and a good credit rating. If we look at prices based on his personal risk profile, Utica National quotes the cheapest car insurance rates in Cleveland at $787 annually. This is $253 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are also included in the most affordable Cleveland, OH auto insurance companies.
Now let’s give the driver from the above example an accident surcharge, poor credit, and a speeding ticket. Due to the fact that every insurance company has a proprietary method for setting rates, analyzing rates could now result in a slightly different list of companies as shown below.
Merchants Insurance Group now has the cheapest price in Cleveland, OH with Cincinnati Insurance, Grange Mutual, General Casualty, and Motorists Mutual now being in the top five. This example illustrates why it is so important to take the time to shop around when trying to find the best auto insurance quotes for uninsured drivers.
Rates are determined by many things and can change without notice, so the lowest-price company when you bought your policy may now cost much more than other companies.
If you have questions and prefer to get some professional advice when shopping around for cheaper insurance for uninsured drivers, the insurance agencies below can aid you in deciding which coverage meets your needs best.
To find a Cleveland insurance agent closest to you, click the button at the bottom of the list.
Pilat Insurance Agency, Inc.
5925 Ridge Rd – Cleveland, OH 44129 – (440) 888-1150
Allstate Insurance: Teresa C. Paez
15105 Puritas Ave – Cleveland, OH 44135 – (216) 362-6526
Nationwide Insurance: Joseph R Potts
12300 Lorain Ave – Cleveland, OH 44111 – (216) 251-7374
Nationwide Insurance: Sam J Saraniti
3100 W 25th St – Cleveland, OH 44109 – (216) 281-3900
1100 Superior Ave Suite 1345 – Cleveland, OH 44114 – (216) 367-8787