120+ more*Quotes generated for Insurify users in and around Cleveland, Tennessee within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Cleveland, Tennessee within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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15 years at the Boston Globe
5+ years covering insurance industry
Doug joined Insurify as a senior content writer in 2025. He was previously a regular contributor to InsuranceNewsNet.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Cleveland drivers pay an average of $62 per month for liability coverage and $129 per month for full coverage. That compares with an average of $134 for a full-coverage policy in nearby Chattanooga, which matches the state average.
Cleveland’s rates reflect a mix of local risk factors. The city has about 1,730 residents per square mile, more than 10 times Tennessee’s statewide density of 168 per square mile, which can increase traffic and claim exposure.[1] But Cleveland’s 21-minute average commute is shorter than the state average of 25 minutes.[2]
Weather can also push costs higher. Bradley County sees severe thunderstorms, hail, high winds, and localized flooding.
Cleveland police also reported 74 motor vehicle thefts and 325 vandalism offenses in 2024, all of which contribute to insurance underwriting calculations.[3] [4]
State Farm has the cheapest liability-only insurance in Cleveland, averaging $35 per month. Cleveland’s average liability rate is $62 per month, compared with $60 statewide.
Tennessee’s minimum requirements state that coverage must meet or exceed $25,000 per person and $50,000 per accident for bodily injury liability coverage, and $25,000 for property damage liability.[5]
The following table shows the cheapest liability car insurance rates in Cleveland, Tennessee.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $35 |
| Mile Auto | $37 |
| Sun Coast | $37 |
| Progressive | $40 |
| Direct Auto | $41 |
| USAA | $41 |
| Certainly | $43 |
| Allstate | $46 |
| AssuranceAmerica | $46 |
| Auto-Owners | $47 |
| Travelers | $47 |
| GEICO | $49 |
| The General | $50 |
| Erie | $51 |
| Trexis | $53 |
| Safeco | $57 |
| GAINSCO | $58 |
| Trexis One | $60 |
| National General | $62 |
| First Acceptance | $64 |
| Mendota | $65 |
| Dairyland | $66 |
| Farmers | $69 |
| Liberty Mutual | $71 |
| Bristol West | $73 |
| Insurify Car | $74 |
| Elephant | $77 |
| Root | $78 |
| Hugo | $95 |
| Chubb | $99 |
| State Auto | $132 |
Pay your first week’s premium and get immediate proof of insurance
Progressive offers Cleveland’s cheapest full-coverage policy, at $74 per month. Full coverage costs more than liability coverage because it adds protections for your own vehicle, including collision and comprehensive coverage. That extra protection can be useful around Cleveland when severe thunderstorms, hail, falling branches, flooding, or animal collisions damage your vehicle.
The following table shows the cheapest full-coverage car insurance rates in Cleveland.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Progressive | $74 |
| State Farm | $75 |
| Mile Auto | $78 |
| Sun Coast | $80 |
| USAA | $89 |
| Direct Auto | $97 |
| Auto-Owners | $103 |
| Travelers | $103 |
| Allstate | $105 |
| GEICO | $106 |
| National General | $107 |
| Erie | $110 |
| AssuranceAmerica | $112 |
| Safeco | $112 |
| Certainly | $126 |
| Trexis | $126 |
| Root | $136 |
| Elephant | $146 |
| Liberty Mutual | $149 |
| Farmers | $150 |
| GAINSCO | $150 |
| The General | $153 |
| Mendota | $154 |
| Trexis One | $154 |
| Bristol West | $163 |
| First Acceptance | $179 |
| Dairyland | $205 |
| Chubb | $214 |
| State Auto | $286 |
At $96 per month, Cleveland’s average car insurance rate is lower than Tennessee’s $96 state average and lower than nearby Chattanooga’s $102 average. Chattanooga offers a useful regional comparison, as many Cleveland-area motorists use I-75 between the two cities.
Cleveland has about 50,000 residents and an average commute of 21 minutes, giving it a different risk profile from larger Tennessee cities such as Nashville and Memphis.
The following table compares average car insurance rates in Cleveland with rates in other Tennessee cities.
City | Average Monthly Quote |
|---|---|
| Johnson City | $80 |
| Bristol | $83 |
| Maryville | $84 |
| Kingsport | $86 |
| Oak Ridge | $91 |
| Franklin | $98 |
| Knoxville | $99 |
| Chattanooga | $102 |
| Hendersonville | $102 |
| Jackson | $102 |
| Smyrna | $103 |
| Murfreesboro | $108 |
| Clarksville | $110 |
| Nashville | $121 |
| Memphis | $151 |
Cleveland insurance rates reflect more than a driver’s personal record. Local motorists share I-75 with regional and long-distance traffic, while severe storms can create comprehensive claims from hail, flooding, and falling trees.
Tennessee also has a substantial number of uninsured drivers. An estimated 21% of motorists were uninsured in 2023, the fifth-highest rate in the country, according to the Insurance Research Council.[6]
*Quotes generated for Insurify users in and around Cleveland, Tennessee within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Cleveland, Tennessee within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history is one of the factors insurers use to set rates, so a ticket, at-fault accident, or DUI can make Cleveland coverage more expensive. Insurify data identifies these cheapest liability insurers by driving record:
Cheapest car insurance for Cleveland drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Cleveland: State Farm
Cheapest car insurance for Cleveland drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Cleveland: State Farm
Speeding tickets, accidents, and DUIs can increase Cleveland drivers’ monthly premiums because insurers may view a recent incident as a sign of a greater future risk of claims. Tennessee is an at-fault state, so the driver responsible for a crash is liable for injuries and property damage.[7]
Comparing quotes after an incident is especially important because insurers weigh driving violations differently when setting premiums. Here, you can see how average rates change in Cleveland based on your driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $96 |
| Speeding ticket | $127 |
| At-fault accident | $137 |
| DUI | $145 |
Cleveland is a growing southeastern Tennessee city with an estimated 2024 population of 50,232, up 5% from 2020. Most local trips are relatively short: The U.S. Census Bureau reports a mean commute of 21 minutes.[2] Drivers should nevertheless plan for congestion around I-75 and major commercial routes, such as Keith Street and Paul Huff Parkway, particularly during commuting and shopping periods.
Weather is another consideration. Heavy rain and thunderstorms can reduce visibility and create localized flooding. At the same time, occasional winter ice can make roads slick even though Cleveland doesn’t experience the persistent heavy snowfall associated with more northern states.
Tennessee’s high uninsured-driver rate is also worth considering when choosing coverage: An estimated 21% of Tennessee motorists were uninsured in 2023.[6] Uninsured/underinsured motorist coverage can provide additional financial protection when the at-fault driver lacks sufficient insurance.
See and compare rates from top insurers in minutes
Interstate 75 is Cleveland’s major north-south highway, connecting the city to Chattanooga and bringing local commuters into contact with regional and through traffic. Cleveland workers have a mean commute of 21 minutes, according to U.S. Census Bureau data.[2]
Congestion and crashes on high-volume corridors can increase claim exposure, which insurers can reflect in local rates. Holiday and summer travel can also add traffic to I-75 through southeastern Tennessee.
State Farm offers the cheapest liability coverage for teen drivers in Cleveland. Tennessee’s graduated driver licensing system lets teens obtain a learner’s permit at age 15 and imposes additional requirements before allowing unrestricted driving.
The following table shows the cheapest liability-only rates for teenage drivers in Cleveland.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $70 |
| Sun Coast | $73 |
| USAA | $78 |
| Mile Auto | $78 |
| Progressive | $79 |
| Direct Auto | $83 |
| Certainly | $85 |
| Allstate | $91 |
| GEICO | $92 |
| The General | $94 |
| Erie | $96 |
| Auto-Owners | $98 |
| AssuranceAmerica | $98 |
| Travelers | $100 |
| Trexis | $105 |
| GAINSCO | $106 |
| Dairyland | $119 |
| Trexis One | $119 |
| Safeco | $121 |
| Root | $123 |
| First Acceptance | $127 |
| National General | $127 |
| Mendota | $129 |
| Liberty Mutual | $129 |
| Bristol West | $134 |
| Farmers | $142 |
| Elephant | $146 |
| Insurify Car | $147 |
| Hugo | $188 |
| Chubb | $208 |
| State Auto | $322 |
State Farm has the cheapest liability insurance for senior drivers in Cleveland. Senior motorists can still see substantial differences among insurers, making comparison shopping worthwhile even with decades of driving experience.
The following table shows the cheapest liability-only rates for senior drivers in Cleveland.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $27 |
| Mile Auto | $29 |
| Sun Coast | $32 |
| USAA | $33 |
| Direct Auto | $33 |
| Progressive | $34 |
| AssuranceAmerica | $36 |
| Certainly | $37 |
| Auto-Owners | $37 |
| Travelers | $38 |
| GEICO | $39 |
| Erie | $39 |
| Allstate | $40 |
| The General | $42 |
| Trexis | $46 |
| National General | $49 |
| Safeco | $49 |
| GAINSCO | $50 |
| Trexis One | $52 |
| Farmers | $54 |
| First Acceptance | $55 |
| Dairyland | $56 |
| Mendota | $56 |
| Liberty Mutual | $59 |
| Bristol West | $61 |
| Elephant | $62 |
| Insurify Car | $64 |
| Root | $72 |
| Chubb | $74 |
| Hugo | $82 |
| State Auto | $99 |
Here are answers to common questions Cleveland drivers have about car insurance costs, coverage requirements, and policy selection in Cleveland, Tennessee.
Cleveland drivers pay an average of $62 monthly for minimum coverage and $129 for full coverage. The premium you pay depends on your insurer, vehicle, age, driving history, coverage choices, and options like bundling with home insurance or renters insurance.
Insurers consider factors like your driving history, age, vehicle, coverage level, and location. Cleveland-specific claim risks can include I-75 traffic, severe thunderstorms, flooding, occasional winter ice, and Tennessee’s relatively high uninsured-motorist rate.
Tennessee requires $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability. Drivers must maintain proof of financial responsibility for vehicles operated on Tennessee roads.[5]
Tennessee winters are generally milder than those in northern states, but freezing temperatures and occasional ice can still create hazardous driving conditions. Having collision insurance can pay for crash damage, while comprehensive coverage protects against certain non-collision losses, such as weather-related damage.
It’s not, generally. Cleveland rates may differ from other Tennessee cities because insurers price local claim risk differently. Traffic on I-75, population growth, severe-weather exposure, vehicle theft, and accident patterns can all affect geographic pricing. But rates in Cleveland are very affordable compared to some other Tennessee communities.
Tennessee’s estimated uninsured-motorist rate was 21% in 2023, the fifth-highest nationally. Uninsured/underinsured motorist coverage can help protect Cleveland drivers financially after a car accident involving a driver with no insurance or inadequate limits.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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15 years at the Boston Globe
5+ years covering insurance industry
Doug joined Insurify as a senior content writer in 2025. He was previously a regular contributor to InsuranceNewsNet.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
