What Insurance is Cheapest for 4×4 Vehicles in Cleveland?

The words “economical” and “auto insurance” really shouldn’t be used together, in particular when looking for the best car insurance rates for 4×4 vehicles. To help control this cost, let’s teach you a few of the things the can have a considerable influence on car insurance rates, and find out if you can take a little off your next policy.

The vehicle model requiring insurance is probably the most important factor that determines if you can find cheap insurance for 4×4 vehicles. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer, lower-performance models. The table below outlines auto insurance prices for a number of the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure in Cleveland, OH
Vehicle Make and Model Estimated Cost for Full Coverage
Toyota Prius $1,349
Hyundai Elantra GLS Touring Station Wagon $1,396
Ford Escape XLT 4WD $1,426
Honda CR-V EX 4WD $1,434
Toyota Camry LE $1,444
Chevrolet Malibu LT $1,471
Hyundai Sonata GLS 4-Dr Sedan $1,547
Dodge Ram Crew Cab TRX 2WD $1,574
GMC Sierra 3500HD SLE Extended Cab 2WD $1,579
Nissan Rogue SL AWD $1,622
Honda Accord EX 2-Dr Coupe $1,632
Toyota Camry Hybrid $1,649
Toyota RAV4 Limited 2WD $1,654
Nissan Altima 2.5 4-Dr Sedan $1,662
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,684
Ford Explorer Eddie Bauer AWD $1,689
Ford F-150 XLT Crew Cab 4WD $1,684
Ford Focus SEL 4-Dr Sedan $1,710
Ford Edge SEL 2WD $1,737
Honda Odyssey EX $1,742
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific location which can raise or lower auto insurance rates substantially.

Based upon the rates shown, models like the Toyota Prius, Hyundai Elantra, and Ford Escape will definitely be a few of the most economical vehicles to insure for off-road vehicles.

One of the many factors that are used to help calculate the amount you pay for auto insurance is where you live. Larger areas tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.

The following table shows the most costly cities in Ohio for 4×4 vehicles to buy an auto insurance policy in. Cleveland comes in at #4 with the annual price of $1,235 for the average insured, which is about $103 monthly.

How much does car insurance cost in Cleveland, OH?
Rank City Average Per Year
1 Columbus $1,247
2 Toledo $1,241
3 Youngstown $1,235
4 Cleveland $1,235
5 Cincinnati $1,174
6 Cleveland Heights $1,166
7 Dayton $1,142
8 Akron $1,135
9 Euclid $1,129
10 Hamilton $1,102
11 Fairfield $1,095
12 Newark $1,095
13 Springfield $1,094
14 Lakewood $1,063
15 Canton $1,058
16 Kettering $1,040
17 Parma $1,037
18 Strongsville $1,031
19 Middletown $1,024
20 Mansfield $1,022
21 Beavercreek $1,016
22 Mentor $1,008
23 Lorain $1,005
24 Cuyahoga Falls $997
25 Elyria $975
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Prices are estimated as the specific zip code location can increase or decrease premiums greatly.

Cleveland car insurance companies ranked

Buying coverage from a good quality car insurance company is hard considering how many choices there are in Cleveland. The ranking information listed below can help you select which insurers you want to consider putting your business with.

These rankings are for the companies with a significant amount of written premium nationwide, so companies that may only write in Ohio will not be included in these rankings. To check prices from many more Ohio auto insurance companies, follow this link.

Top 10 Major Auto Insurers in Cleveland Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

Top 10 Major Auto Insurers in Cleveland Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

How to get discounts on Cleveland car insurance

Cheaper Cleveland, OH car insurance for off-road vehiclesCar insurance companies that provide coverage for 4×4 vehicles may provide policy discounts that can reduce rates by 40% or more if you meet specific criteria. Companies and the discounts they provide are outlined below.

The chart below shows the comparison of yearly insurance costs with and without discounts applied to the rates. The data is based on a female driver, no violations or accidents, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, multiple policy, vehicle safety, defensive driving course, claim-free, and homeowner discounts applied. When these discounts are applied, the average amount saved each year on car insurance for 4×4 vehicles is 28% or $340.

The information below illustrates how your choice of deductibles can change annual premium costs when researching cheap insurance for 4×4 vehicles. Data assumes a married female driver, full physical damage coverage, and no discounts are factored in.

In the chart above, a 50-year-old driver could pocket $156 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $234 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could possibly save as much as $384 or even more just by using higher deductibles.

When increasing deductibles, it will be required to have emergency funds available to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Compare rates to save

Cleveland car insurance rates are impacted by many things that will increase or decrease the price you have to pay for coverage. Turning one year older, having a claim, or getting a speeding ticket can trigger changes in premium that may make certain companies cheaper than competitors.

Not only may your situation change, but car insurance companies change prices as needed to reflect underwriting profits or losses. Higher than usual claims can cause more expensive prices, while profitable underwriting may cause more affordable Cleveland car insurance rates.

For instance, the bar chart below shows which company has the cheapest car insurance in Cleveland, OH for a 45-year-old male driver with no prior claims, no tickets, and solid credit. When comparing rates based on his current rating profile, Utica National offers the most affordable car insurance rates in Cleveland at $795 each year. This is $245 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are also included in the best Cleveland, OH auto insurance companies.

The example below compares rates after we give the driver from above a chargeable accident, bad credit, and a traffic citation. Since each insurance company uses their own calculation to determine rates, comparing quotes most likely will result in a significantly different list of affordable companies as shown below.

Cincinnati Insurance now has the best price in Cleveland, OH with Merchants Insurance Group, Motorists Mutual, General Casualty, and Grange Mutual completing the list. This example shows why it is so important to take the time to shop around when trying to get the most economical auto insurance quotes for 4×4 vehicles.

Rates are calculated by many different factors and change dramatically, so the lowest-price company six months ago may now be wasting a lot of money.