Who Has the Cheapest Car Insurance Rates for Felons in Cleveland?

The car, truck, or SUV to be insured is one of the main factors that determines the availability of low-priced auto insurance for felons. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of liability claims will cost less to insure than adrenaline junky models. The next list outlines coverage rates for a selection of the most cost-effective vehicles to buy insurance for.

Cheapest Vehicles to Insure in Cleveland, OH
Vehicle Estimated Cost for Full Coverage
Toyota Prius $1,431
Dodge Grand Caravan CV $1,452
Toyota Tacoma 4WD $1,462
Honda CR-V EX-L 4WD $1,513
Chevrolet Malibu LS $1,532
Chevrolet Equinox LT 2WD $1,538
Ford Fusion S 4-Dr Sedan $1,532
Ford Escape Limited 4WD $1,606
Hyundai Elantra SE 4-Dr Sedan $1,612
Toyota Corolla LE $1,620
Nissan Rogue S AWD $1,643
Honda Accord EX-L 4-Dr Sedan $1,725
Toyota RAV4 Sport 2WD $1,759
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Prices 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 homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in your specific Cleveland, OH location which can increase or decrease insurance rates significantly.

Based on these rates, we can presume that cars like the Toyota Prius, Dodge Grand Caravan, and Toyota Tacoma will definitely be some of the cheapest vehicles to insure for felons.

Comparing rates for cheap auto insurance is tough enough, and determining which companies have the most affordable auto insurance rates for felons involves additional perseverance. Each insurance company uses their own calculation to set policy rates, so we’ll go over the lowest cost auto insurance companies in Ohio.

It’s important that readers know that Ohio auto insurance rates are based on many factors which can significantly increase or decrease your annual premium. Improving your financial situation, buying a higher-value vehicle, or getting a few speeding tickets may prompt premium changes that can now make some companies cheaper in comparison to the competition.

Lowest Insurance Price Quotes for Felons

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Cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $654
2 Erie $661
3 Frankenmuth $680
4 Allied $697
5 Travelers $712
6 USAA $741
7 Merchants Insurance Group $755
8 Cincinnati Insurance $779
9 Motorists Mutual $792
10 General Casualty $813
11 Grange Mutual $828
12 Central Mutual $848
13 State Farm $867
14 Hastings Mutual $884
15 Atlantic States $904
16 Westfield $918
17 Auto-Owners $958
18 Western Reserve $961
19 Nationwide $988
20 Progressive $991
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Utica National offers some of the cheapest car insurance rates in Cleveland at around $654 a year. This is $386 less than the average price paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are also some of the lowest-priced Cleveland, OH auto insurance companies.

As depicted above, if you are a customer of Frankenmuth and switched to Utica National, you might realize annual savings of in the neighborhood of $26. Drivers with Allied could save as much as $43 a year, and Travelers insureds might realize rate reductions of up to $58 a year.

Bear in mind that those premium estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for felons. So the car insurance company that has the cheapest price for you may not even be in the top 33 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

One of the many components that determine the amount you pay for auto insurance is where you call home. Larger areas tend to have more expensive auto insurance rates, whereas areas with less congestion benefit from having to pay less for coverage.

The table below rates the most costly cities in Ohio for felons to purchase a policy in. Cleveland comes in at #2 with a yearly premium of $1,272 for coverage, which is around $106 monthly.

How much does auto insurance cost in Cleveland?
Rank City Annual Premium
1 Youngstown $1,273
2 Cleveland $1,272
3 Toledo $1,241
4 Columbus $1,211
5 Cleveland Heights $1,202
6 Cincinnati $1,186
7 Akron $1,169
8 Dayton $1,142
9 Euclid $1,140
10 Hamilton $1,135
11 Canton $1,102
12 Fairfield $1,085
13 Middletown $1,066
14 Springfield $1,061
15 Newark $1,053
16 Lakewood $1,041
17 Strongsville $1,041
18 Kettering $1,040
19 Cuyahoga Falls $1,037
20 Beavercreek $1,027
21 Mansfield $1,022
22 Parma $1,007
23 Lorain $1,005
24 Mentor $988
25 Elyria $975
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Table data uses approximated as the specific Cleveland residence address can impact coverage prices considerably.

How to get discounts on Cleveland auto insurance

Cheaper Cleveland, OH auto insurance for felonsInsurers that offer quotes for felons may have special discounts that can lower rates by 30% or more if you are eligible to receive them. A few popular companies and the discounts they provide include:

The information below shows the comparison of yearly insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, marriage, accident-free, vehicle safety, homeowner, and passive restraint discounts applied. When discounts are applied, theamount saved on auto insurance for felons is 27% or $312.

The diagram below demonstrates how choosing different deductibles can affect insurance rates when trying to find cheap insurance for felons. The information is based on a single female driver, comp and collision included, and no additional discounts are factored in.

The chart above illustrates that a 50-year-old driver could save $242 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $366 by choosing a $1,000 deductible. Young drivers, like the 20-year-old example, could drop their prices up to $624 each year by using higher deductibles when buying full coverage.

When raising deductibles, it is necessary to have enough funds in savings to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.

Liability only or full coverage

Reducing the cost of auto insurance is important to most drivers, and an effective way to pay less for insurance for felons is to not buy comprehensive and collision coverage. The information below shows the difference between insurance costs when comparing full coverage to liability only. The premiums assume a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no additional discounts are factored in.

Averaged for all age groups, physical damage coverage on your policy costs $1,325 per year over liability only. Many drivers may wonder when is it safe to stop buying full coverage. There is no exact formula for eliminating physical damage insurance, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.