How Much are Cleveland Car Insurance Quotes for a 20 Year Old Male?

The type of vehicle you are insuring is one of the primary factors when comparing the lowest-priced coverage for 20 year old guys. Vehicles with more horsepower, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models.

The information below ranks insurance costs for a number of the most affordable automobiles to insure in Ohio.

Cheapest Vehicles to Insure in Cleveland, OH
Make and Model Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $3,204
Honda CR-V LX 4WD $3,213
Ford Escape Limited 4WD $3,489
Toyota Prius $3,537
Ford F-150 XLT Crew Cab 2WD $3,564
Ford Edge SEL AWD $3,755
Toyota Camry LE $3,803
Toyota RAV4 4WD $3,811
GMC Sierra SLE Crew Cab 2WD $3,803
Dodge Ram Quad Cab ST 2WD $3,835
Dodge Grand Caravan Crew $3,850
Ford Explorer Limited 4WD $3,856
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $3,850
Hyundai Elantra SE 4-Dr Sedan $4,041
Chevrolet Impala LTZ $4,048
Toyota Corolla XLE $4,041
Honda Odyssey EX-L W/Rear Entertainment $4,046
Nissan Altima 2.5 S 4-Dr Sedan $4,041
Chevrolet Silverado LT Regular Cab 2WD $4,073
Hyundai Sonata GLS 4-Dr Sedan $4,081
Volkswagen Jetta 2.0T 4-Dr Sedan $4,088
Jeep Grand Cherokee Limited 2WD $4,097
Chevrolet Malibu LTZ $4,088
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Above prices assume single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in zip code location which can lower or raise coverage prices significantly.

By looking at the data, we can expect cars like the Honda Accord, Honda CR-V, Ford Escape, Toyota Prius, and Ford F-150 will be some of the less-costly vehicles to insure for young men. Prices will be more expensive because there is a higher risk for 20 year old guys, but generally speaking those makes and models will have the best rates available.

Finding decent, cheap auto insurance is confusing at best, and determining which company offers the lowest-priced car insurance rates for 20 year old guys will require even more perseverance. Every insurance company uses their own method for filing rates in each state, so to begin we’ll rank the car insurance companies that tend to be cheaper in Cleveland, OH.

It’s important to know that Cleveland, OH car insurance rates are based on many factors that can increase the cost of having a policy. Getting older, buying a newer car, or getting a driving violation may prompt premium changes that may make certain companies much higher than others.

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Rankings for the cheapest car insurance companies in Ohio
Rank Company Cost Per Year
1 Utica National $628
2 Erie $661
3 Allied $669
4 Frankenmuth $687
5 Travelers $705
6 USAA $719
7 Cincinnati Insurance $756
8 Merchants Insurance Group $778
9 Motorists Mutual $800
10 Grange Mutual $828
11 General Casualty $837
12 Central Mutual $840
13 Hastings Mutual $884
14 State Farm $885
15 Atlantic States $940
16 Westfield $946
17 Progressive $953
18 Western Reserve $961
19 Nationwide $988
20 Auto-Owners $998
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Utica National generally has some of the cheapest car insurance rates in Cleveland at around $628 each year. Erie, Allied, Frankenmuth, and Travelers are also some of the best Cleveland, OH auto insurance companies.

In the rate table above, if you currently buy coverage from Erie and switched to Utica National, you might realize annual savings of about $33. Ohio drivers with Allied may save as much as $41 a year, and Frankenmuth policyholders might see rate reductions of $59 a year.

To see if your current coverage is too expensive, click here to get a free quote or visit several of the following companies.

It’s important to note that these prices are averages across all types of insureds and vehicles and do not factor in an exact zip code location for 20 year old guys. So the auto insurance company that is best suited for you may not even be in the top 33 companies in the list above. That affirms the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Which car insurance company is best in Cleveland?

Picking the best auto insurance company can be difficult considering how many different companies sell coverage in Ohio. The ranking data in the lists below could help you pick which car insurance companies to look at purchasing a policy from.

These rankings are only made up of the largest companies in America, so companies that only write business in Ohio or surrounding areas are not taken into consideration for the list. To compare prices from these and other competitive companies, follow this link.

Top 15 Car Insurance Companies for a 20 Year Old Male 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
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Data Source: Best Car Insurance Companies

Violations and accidents raise rates

One of the best ways to receive good car insurance premiums in Cleveland for young men is to drive safely and not get tickets or have accidents. The chart below shows how speeding tickets and fender-benders can impact insurance prices for different age groups of insureds. The information is based on a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of auto insurance in Cleveland per year with a clean driving record and no accidents is $1,493. Factor in one speeding ticket and the average cost surges to $1,714, an increase of $221 each year. Then add in two accidents along with the one speeding ticket and the annual cost of car insurance for 20 year old guys increases to an average of $3,579. That’s an increase of $2,086, or $174 per month, just for being a little careless behind the wheel!

How to find the cheapest auto insurance for 20 year old guys

It’s not impossible to find cheaper rates, and here are some penny-pinching solutions that can help Ohio drivers buy cheaper auto insurance.

The last tip is remarkably valuable, as we noted in the prior information. Auto insurance rates in Cleveland go up and down frequently, so drivers shouldn’t be reluctant to switch carriers if you can find a cheaper rate. Having brand loyalty is commendable, but is isn’t recommended if that loyalty results in overpaying hundreds every year. It only take a few minutes to shop around to find cheaper insurance for 20 year old guys.

If you aren’t sure which coverage you need and prefer to get some professional input when comparing insurance rates for young men, the agents shown below are willing to answer your questions and help you decide which insurance coverage will be best for you.

To locate an agency in your neighborhood, click the button link following the list.

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

Coventry Insurance Agency
230 W Huron RdCleveland, OH 44113(216) 307-3611

Franklin Myles – State Farm Insurance Agent
3970 Mayfield RdCleveland Heights, OH 44121(216) 291-9892

View map of Cleveland, OH insurance agents