What Car Insurance is Cheapest for Drivers with Accidents in Cleveland?

This would be a really short article if we could just give you the name of the one auto insurance company that has the cheapest coverage in Ohio. Unfortunately, it’s just not that easy, as there are a whole bunch of unknown elements like if you own a home, if you are currently insured, the annual mileage you drive, and whether or not your vehicle has good safety ratings, that all influence how much you pay for auto insurance. This article covers the types of things that cause high car insurance rates and hopefully give you enough understanding to have a good start to your coverage search.

Deciding which company quotes the most affordable insurance rates for drivers with accidents takes a bit more effort than just getting one or two price quotes. Each auto insurance company has a different process to establish rates, so we will examine the lowest cost insurance companies in Cleveland, OH.

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Cheapest insurance companies in Ohio
Rank Company Cost Per Year
1 Utica National $635
2 Erie $661
3 Frankenmuth $680
4 Allied $690
5 Travelers $733
6 USAA $741
7 Merchants Insurance Group $755
8 Cincinnati Insurance $779
9 Grange Mutual $804
10 General Casualty $813
11 Motorists Mutual $824
12 Central Mutual $866
13 State Farm $867
14 Hastings Mutual $884
15 Atlantic States $913
16 Westfield $936
17 Progressive $962
18 Auto-Owners $968
19 Western Reserve $970
20 Farmers $995
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Utica National has some of the lowest car insurance rates in Cleveland at around $635 a year. Erie, Frankenmuth, Allied, and Travelers would also make the list of some of the cheaper Cleveland, OH auto insurance companies.

As shown above, if you are currently insured with Erie and switched to Utica National, you may realize annual savings of about $26. Policyholders with Frankenmuth might save as much as $45 a year, and Allied policyholders might lower prices by $55 a year.

Bear in mind that those prices are averages across all ages of drivers and types of vehicles and do not take into consideration a specific location for drivers with accidents. So the car insurance company that is best for you may not even be in the top 33 companies in the list above. That illustrates why you need to compare as many prices as possible using your own specific driver information and vehicle.

One of the many criteria that are used to help calculate auto insurance rates is your address in Cleveland. Cities with more crime and/or more people tend to pay more, whereas less populated areas profit from lower rates.

The illustration below ranks the most expensive cities in Ohio for drivers with accidents to purchase car insurance in. Cleveland shows up at #3 with the yearly price of $1,222 for car insurance, which is approximately $102 each month.

How much does auto insurance cost in Cleveland?
Rank City Annual Rate
1 Toledo $1,279
2 Youngstown $1,235
3 Cleveland $1,222
4 Cincinnati $1,210
5 Columbus $1,199
6 Akron $1,169
7 Cleveland Heights $1,166
8 Euclid $1,164
9 Hamilton $1,135
10 Dayton $1,120
11 Springfield $1,105
12 Canton $1,091
13 Newark $1,085
14 Middletown $1,066
15 Lakewood $1,063
16 Beavercreek $1,058
17 Fairfield $1,053
18 Cuyahoga Falls $1,027
19 Kettering $1,020
20 Parma $1,007
21 Elyria $1,005
22 Mansfield $1,002
23 Strongsville $1,001
24 Mentor $988
25 Lorain $975
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Information shown are comparative as the specific zip code location can revise coverage prices considerably.

The car, truck, or SUV that is being insured is one of the biggest factors that determines the availability of the lowest-priced car insurance for drivers with accidents. Vehicles with more horsepower, poor passenger safety features, or high incidents of liability claims will cost significantly more to insure than more economical and safe models. The information below estimates insurance rates for the most economical vehicles to buy insurance for.

Cheapest Vehicles to Insure in Cleveland, OH
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $3,194
Ford Escape XLT 4WD $3,384
Ford F-150 XLT Regular Cab 4WD $3,590
Toyota Prius $3,637
Hyundai Elantra SE Touring Station Wagon $3,640
Honda Odyssey EX W/Rear Entertainment $3,749
Dodge Grand Caravan Hero $3,789
Toyota Tacoma Double Cab 4WD $3,795
Volkswagen Jetta S 4-Dr Sedan $3,789
Toyota RAV4 Sport 2WD $3,795
Ford Edge Limited 2WD $3,969
Chevrolet Impala LS $3,976
Chevrolet Silverado LT Extended Cab 4WD $4,018
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Cost estimates assume single male driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Price information does not factor in vehicle location which can influence premiums considerably.

Looking at the rates, makes and models like the Honda CR-V, Ford Escape, Ford F-150, and Toyota Prius are most likely going to be the less-costly vehicles to insure for drivers with at-fault accidents. Rates will tend to be more expensive because there is more claim risk for drivers with accidents, but overall those particular models will most likely have the cheapest car insurance rates possible.

Get discount Cleveland auto insurance

Discounts on insurance for drivers with accidentsInsurance companies that sell policies for drivers with accidents may also give you special discounts that can reduce rates by as much as 25% or more if you are eligible to receive them. The best insurance companies and some of the premium reductions they offer include:

The illustration below illustrates the difference between premium costs with and without discounts being applied to the rates. The costs are based on a female driver, no traffic citations and one accident, Ohio state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with continuous coverage, passive restraint, vehicle safety, multiple policy, paperless filing, and marriage discounts applied. With discounts applied, the average savings per year on insurance for drivers with accidents is 28% or $510.

Liability-only versus full coverage

Paying a lower price for insurance is probably important to the majority of people, and one of the easiest ways to buy cheaper insurance for drivers with accidents is to not buy comprehensive and collision coverage. The information below illustrates the comparison of auto insurance rates with and without full coverage. Data assumes no accidents or driving violations, $500 deductibles, single status, and no discounts are factored in.

As an overall average, physical damage coverage on your policy costs an extra $1,458 per year over having just liability coverage. At some point, every insured wonders when is it safe to stop buying full coverage. There isn’t a steadfast formula of when to drop physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

There are a few situations where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Poor driving habits will raise your insurance rates

The best way to obtain the best insurance premiums in Cleveland for drivers with at-fault accidents is to be an attentive driver and maintain a clean driving record. The example below shows how violations and at-fault claims can affect insurance rates for different age groups. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

The chart shows that the average cost of an auto insurance policy in Cleveland per year with a clean driving record and no accidents is $1,028. Receive two speeding tickets and the average cost swells to $1,414, an increase of $386 each year. Now get one accident along with the two speeding tickets and the yearly cost of insurance for drivers with accidents increases to an average of $1,799. That’s an increase of $771, or $64 per month, just for being a little careless behind the wheel!

The insurance agencies listed below are a good start to help you make a decision which auto insurance policy fits you best, as lots of people like to have a consultation when trying to find the best insurance rates for drivers with at-fault accidents. It’s not always easy to do it yourself, and getting advice from a licensed agent can add satisfaction knowing you have enough coverage if you have a claim. To locate a Cleveland insurance agent close to where you live, click the button at the bottom or click here to compare rates now.

Allstate Insurance: Eslick Insurance and Financial Services
2775 S Moreland Blvd Ste 203Cleveland, OH 44120(216) 283-5570

Nationwide Insurance: Joseph R Potts
12300 Lorain AveCleveland, OH 44111(216) 251-7374

Phil Pavarini Insurance Agent * InsureCLE.com
2012 W 25th St #501Cleveland, OH 44113(216) 374-4500

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