How Much are Cleveland Car Insurance Quotes for 19 Year Olds?

The car, truck, or SUV driven is one of the primary factors that determines the availability of low-priced insurance for 19 year olds. Vehicles with higher performance characteristics, poor crash test ratings, or an increased likelihood of liability claims will cost more to insure than safer models. The data below outlines car insurance prices for some of the most affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Cleveland, OH
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $4,162
Honda CR-V LX 2WD $4,172
Ford Escape XLS 4WD $4,162
Toyota Prius $4,560
Ford F-150 XL Super Cab 2WD $4,598
Ford Explorer XLT AWD $4,651
Toyota Tacoma 4WD $4,657
Honda Civic DX 4-Dr Sedan $4,889
Ford Edge Limited 2WD $4,895
Volkswagen Jetta S 4-Dr Sedan $4,943
Toyota RAV4 Limited 4WD $4,950
Dodge Grand Caravan Crew $4,996
Ford Focus SES 4-Dr Sedan $5,178
Hyundai Elantra Blue 4-Dr Sedan $5,185
Toyota Corolla XLE $5,231
Toyota Camry XLE $5,241
Chevrolet Impala LTZ $5,231
Honda Odyssey EX-L W/Rear Entertainment $5,241
Chevrolet Silverado 2500HD LT Crew Cab 4WD $5,285
Jeep Grand Cherokee Limited 4WD $5,294
Chevrolet Malibu LTZ $5,285
GMC Sierra 2500HD SLE Crew Cab 4WD $5,291
Chevrolet Equinox LTZ 2WD $5,285
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Data based on single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in specific garaging location which can alter premiums noticeably.

Based on these rates, we can tell that makes and models like the Honda Accord, Honda CR-V, Ford Escape, and Toyota Prius are a few of the most affordable vehicles to insure for teenage drivers. The cost of auto insurance will tend to be more expensive anyway because of the fact that there is more liability exposure for 19 year olds, but in general those models will most likely have the cheapest car insurance rates possible.

Establishing which companies offer the cheapest auto insurance rates for 19 year olds will involve a little more work than just getting one or two price quotes. Every insurance provider has a different formula for setting prices, so let’s look at the rankings for the most competitive auto insurance companies in Ohio.

Cheap Insurance Rates for Teens

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Cheapest insurance companies in Ohio
Rank Company Cost Per Year
1 Utica National $628
2 Erie $667
3 Frankenmuth $687
4 Allied $697
5 Travelers $705
6 USAA $741
7 Cincinnati Insurance $749
8 Merchants Insurance Group $771
9 Motorists Mutual $792
10 Grange Mutual $812
11 General Casualty $813
12 Central Mutual $840
13 State Farm $867
14 Hastings Mutual $893
15 Atlantic States $931
16 Westfield $946
17 Progressive $953
18 Auto-Owners $958
19 Western Reserve $970
20 Nationwide $998
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Utica National normally has some of the lowest car insurance rates in Cleveland at around $628 each year. This is $412 less than the average premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers also make the cut as some of the lowest-priced Cleveland, OH auto insurance companies.

In the above example, if you have coverage with Erie and switched to Utica National, you may see savings of around $39. Insureds with Frankenmuth could save as much as $59 a year, and Allied policyholders might see rate reductions of $69 a year.

To see how much you can save, click here to start a quote or feel free to get quotes from the companies below.

Remember that these policy rates are averaged across all drivers and vehicles in Ohio and are not factoring in an exact location for 19 year olds. So the insurer that is best for you may not even be in the list above. That emphasizes why you need to get rate quotes using your own driver and vehicle profiles.

Finding a good quality car insurance provider can be challenging considering how many companies there are to choose from in Ohio. The ranking data in the next section can help you pick which auto insurance companies you want to consider buying from.

The ratings below are only comprised of companies with a nationwide focus, so companies that only write business in Ohio or surrounding areas are not included in the list. To view rates from these and other competitive companies, simply click here.

Top Auto Insurance Companies for 19 Year Olds in Cleveland, OH
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

Impact of speeding/accidents on auto insurance rates

The easiest method to earn affordable auto insurance rates in Cleveland for teenage drivers is to drive attentively and avoid accidents and violations. The illustration below demonstrates how speeding tickets and fender-benders can raise car insurance costs for each age group. The information is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

The data above shows the average cost of an auto insurance policy per year with no violations or accidents is $1,308. Get written up for two speeding tickets and the average cost swells to $1,735, an increase of $427 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for 19 year olds goes up to an average of $3,243. That’s an increase of $1,935, or $161 per month, just for being a little careless behind the wheel!

Discount Cleveland insurance

Discounts on auto insurance for 19 year oldsInsurance providers that offer coverage for 19 year olds may provide policy discounts that can reduce rates by 40% or more if you meet eligibility requirements. A list of companies and a partial list of their discounts can be read below.

The chart below compares insurance costs with and without discounts applied to the premium. The data assumes a female driver, no violations or claims, Ohio state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with defensive driving course, vehicle safety, marriage, claim-free, multiple policy, and passive restraint discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for 19 year olds is 28% or $300.

Why you should be shopping around

Cleveland, OH auto insurance rates are based on many factors which can significantly increase or decrease the price you have to pay. Simply turning a year older, increasing deductibles, or getting caught speeding can cause premium changes that may make certain companies more affordable than competitors. Not only that, but insurance companies file new rates multiple times each year to adjust for unexpected claims or profits. Significantly higher claims can result in additional premium costs, while better underwriting can result in cheaper Cleveland car insurance rates.

The data below demonstrates which company has the cheapest car insurance in Cleveland, OH for a 30-year-old male driver with a clean driving record, no accidents, and a decent credit rating. If we estimate rates based on his current risk factors, Utica National quotes the lowest car insurance rates in Cleveland at $820 annually. This is $220 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are also included in the cheapest Cleveland, OH auto insurance companies.

In the next rate comparison, we’ll give the driver from the first example a couple of claims, less-than-perfect credit, and a couple of points charged on his driving record. Since each company has a different formula for determining rates, comparing quotes may result in a significantly different list of affordable companies as shown below.

Cincinnati Insurance now has the lowest car insurance rate in Cleveland with Merchants Insurance Group, General Casualty, Motorists Mutual, and Grange Mutual now being in the top five. This example demonstrates why Ohio drivers need to spend some time comparing rates to get affordable insurance quotes for 19 year olds.

Rates can be determined by many things and can change without notice, so the most economical option the last time you checked may now not even be in the top five.

The Cleveland auto insurance agencies shown below are a good start to help you make a decision which car insurance policy is best, since some drivers wish to get some professional advice when buying car insurance for 19 year olds. It can be time-consuming to find the best policy on your own, and using a licensed agent can provide comfort knowing you have adequate asset protection. To locate an agency close to you, click the button after the list or click here to compare rates now.

Nationwide Insurance: James F Greer Jr
16700 Chagrin BlvdCleveland, OH 44120(216) 752-7100

Nationwide Insurance: Sam J Saraniti
3100 W 25th StCleveland, OH 44109(216) 281-3900

Marsh Insurance
200 Public Square #100Cleveland, OH 44114(216) 937-1700

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