Cheapest Auto Insurance in Cleveland, Tennessee (2024)

State Farm offers the cheapest car insurance in Cleveland, with minimum-coverage policies as low as $19 per month.

Lindsay VanSomeren
Lindsay VanSomeren
  • 8 years in insurance and personal finance writing

  • Former data scientist for U.S. Geological Survey

Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated May 27, 2024

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Cheapest recent rates near Cleveland, Tennessee

Drivers using Insurify have found quotes as cheap as $28/mo for liability only and $39/mo for full coverage in Cleveland and other Tennessee cities.

*Quotes generated for Insurify users in and around Cleveland, Tennessee within the last 10 days. Last updated on May 27, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 27, 2024. 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 May 27, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 27, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cleveland, Tennessee, is a smaller city by population compared to other cities in the state. Drivers in the area enjoy an average commute time of 20 minutes.[1] Luckily for those commuters, car insurance is relatively affordable in Cleveland compared to the rest of the country, costing an overall average of $113 per month compared to the national overall average of $160 per month.

Car insurance costs vary depending on your personal situation, and that’s why it’s important to shop around and compare quotes. Insurify analyzed the best insurance companies for drivers to help you get the lowest rates.

Quick Facts
  • The average cost of car insurance in Cleveland, Tennessee, is $71 per month for liability coverage and $156 per month for full coverage.

  • Cleveland drivers pay less on average for car insurance than drivers in Cordova, Knoxville, Memphis, and Nashville.

  • State Farm is the cheapest full-coverage insurer in the city, with rates starting at $38 per month.

3 of the cheapest car insurance companies in Cleveland

Car insurance is much cheaper in Cleveland than in major Tennessee cities. But it can be tough to sort out which company is the best option. You can buy the same basic car insurance from just about any insurer, but certain companies might have better prices for you, depending on your personal situation.

Here are some of the different options that might work better for you depending on your circumstances.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$45$22Best overall
Erie4.6$66$32Affordable rates
USAA4.7$53$26Military families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer overall: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$19/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$38/mo

State Farm is one of the largest auto insurers in the country by market share and offers the cheapest car insurance in Cleveland, Tennessee. Drivers can take advantage of a long list of discounts for lower rates and multiple add-on coverages for more protection.

Pros
  • Excellent J.D. Power claims satisfaction ratings[2]

  • Lowest overall coverage costs

Cons
  • No gap coverage

  • No custom aftermarket equipment coverage

Read our State Farm review
Thomas - May 26, 2024
Verified

Service Quality?

There's no contact, they just raise prices.

Clarence - May 26, 2024
Verified

No Rating Yet

The monthly rate they quoted me is not what they promised. I will consider a better rate and am not going to accept this one.

Diane - May 26, 2024
Verified

Cost

The pricing is too high.

Best insurer for affordable rates: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$28/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$56/mo

For nearly 100 years, Erie Insurance has been selling auto coverage. The company operates in 12 states and Washington, D.C., and also offers more than two dozen types of insurance, including home, life, and business insurance. A.M. Best gives Erie an A+ rating for financial stability and credit strength. The company has a lower-than-expected number of complaints with the National Association of Insurance Commissioners Customer Complaint Index, and ranks third in overall customer satisfaction according to J.D. Power rankings. The company also has an A+ rating from the Better Business Bureau.

Pros
  • Excellent BBB, J.D. Power, and A.M. Best ratings

  • Competitive rates for teenagers and drivers with speeding tickets

Cons
  • Available in only 12 states

  • Customers can’t buy a policy or file a claim online

Read our Erie Insurance review
Lori - May 16, 2024
Verified

Great

The price for full coverage insurance is very good. You can't beat paying only $55 a month.

Rob - May 13, 2024
Verified

So far, beats the rest

Overall, excellent service.

Stephanie - May 13, 2024
Verified

Great if you don’t need them

I was with them for over a decade and they decided not to renew my policy because I used my roadside assistance twice a year.

Best insurer for military families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
886
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$23/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$45/mo

USAA is a full-service banking and insurance company for veterans, military members, and their families. While not everyone can sign up for USAA’s auto insurance, people who can enjoy highly rated customer service and cheap car insurance.

Pros
  • Low premiums compared to other insurers

  • Excellent J.D. Power claims satisfaction ratings[2]

Cons
  • Not available to everyone

  • No gap coverage

Read our USAA review
Helen - May 26, 2024
Verified

Excellent

Four or five star service.

John - May 24, 2024
Verified

I give their customer support a thumbs down

They treat you like a fraudster with their pin and password, SS number verification. They are not very friendly either; they act like you are inconveniencing them and just want to go home at 5 pm. My anxiety increases when I call them.

Robin - May 24, 2024
Verified

Overall Good Value for the Price

They're okay. I would recommend them.

How to get the cheapest car insurance in Cleveland

“The biggest challenge faced by auto owners comes from rising insurance costs,” says Kevin Walters, director of communications for the Tennessee Department of Commerce and Insurance. You might have noticed an increase in your premium cost even though you haven’t changed anything else about your policy.

The good news is you can bring down the cost of your car insurance without forgoing driving altogether. These options each have their pros and cons, but they can help you get the coverage you need for an affordable price.

  • Compare quotes. Shop around with as many companies as you can to find the cheapest quote for the coverage levels you want. Check the companies’ customer satisfaction ratings, account management tools, and add-on options to see which one is the right fit for you.

  • Reconsider coverage. Reassess your coverage options to see if you can afford to lower or completely drop add-ons, like collision or comprehensive coverage.

  • Change your deductible. Increase your deductible to the highest you can afford to pay out of pocket if you ever need to file a claim. Higher deductibles usually lead to lower premiums.

  • Look for discounts. You can get a discount on your premiums for paying in full, setting up automatic payments, driving a car with safety features, and driving safely.

  • Bundle coverage. If you buy your homeowners insurance or renters insurance with the same company as your auto insurance, you can most likely score lower premiums on both products.

Compare Cleveland, TN, Car Insurance Rates

Liability-only coverage starts at $19/mo.

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Cheapest liability-only car insurance in Cleveland: State Farm

To drive in Tennessee, you need to purchase a minimum level of liability coverage.[3] Liability coverage provides other drivers with reimbursement for medical care and car repairs when you injure them or damage their property in an accident you cause. It doesn’t provide coverage for your injuries or property damage. Because liability coverage is the absolute minimum coverage you need, it’s typically cheaper than a full-coverage policy.

Cleveland drivers pay an average of $71 per month for liability coverage. Here are the cheapest liability-only car insurance policies in Cleveland.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm19
USAA23
GEICO24
Travelers25
Auto-Owners26
Erie28
Mile Auto34
Allstate35
Farmers37
Nationwide46
Safeco48
Progressive50
Chubb54
Midvale Home & Auto59
Dairyland63
National General63
State Auto71
Elephant74
Liberty Mutual76
Direct Auto77
GAINSCO90
The General103
Bristol West124
Foremost136
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Cleveland: State Farm

Full-coverage policies include comprehensive and collision insurance. Comprehensive insurance covers car repairs from non-collision events, like theft, vandalism, weather, and objects falling on your car. Collision insurance provides coverage for car repairs after a collision, even if you caused it, like hitting a fence or another car.

Lenders generally require you to buy a full-coverage car insurance policy while you’re paying off your vehicle. You can drop the coverage after that to save money, but many people choose to keep it. Without full coverage, you’d have to replace your vehicle on your own if your insurer totals it after an accident.[4]

Cleveland drivers pay an average of $156 per month for full coverage. Here’s how much insurers charge for a full-coverage policy in Cleveland.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm38
USAA45
GEICO50
Auto-Owners52
Travelers52
Erie56
Mile Auto59
Allstate70
Farmers76
Safeco88
Nationwide93
Progressive102
Chubb109
Midvale Home & Auto110
Elephant117
State Auto140
Liberty Mutual143
National General143
Direct Auto179
The General179
Dairyland181
GAINSCO239
Foremost257
Bristol West305
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Tennessee

Tennessee is a tort liability state, meaning that if someone else injures you in a car accident, it’s their responsibility to reimburse you for medical care and car repairs, typically through their liability insurance.[5] You’re even allowed to sue them to collect payment for personal injuries and property damages.

On the flip side, in order to pay for those expenses, Tennessee requires all drivers to carry a minimum level of coverage. Keep in mind that a liability-only policy is meant to pay someone else if you cause an accident; if you want coverage for yourself or your car, you’ll need to buy an optional full-coverage policy. Tennessee requires the following car insurance minimums:[3]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

Drivers in Cleveland can also consider the following additional coverages to add more protection to their auto insurance policy:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for your damages and injuries if an uninsured driver or a driver who doesn’t carry enough insurance causes an accident.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    MedPay and personal injury protection (PIP)

    Medical payments coverage pays for any accident-related medical costs for you or your passengers. PIP also pays additional costs, like lost wages.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers your car against damage while you’re driving it, such as sliding into a ditch and hitting a boulder.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers your car against damage not related to an accident, like a fire, vandalism, falling objects, or weather damage.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage pays for car towing to a shop if it breaks down while you’re driving, within limits.

Cheapest car insurance for drivers with an incident

Car insurance companies consider your past driving behavior when underwriting your policy. The Tennessee Department of Safety & Homeland Security maintains driving records and keeps tabs on any major incidents you might have, such as speeding tickets, driving under the influence, and at-fault accidents.

If you have any of these types of incidents listed on your driving record, any potential insurers will be able to see it when you apply for a policy. That’s why it pays — literally — to maintain a clean driving record.

Shop for Car Insurance in Cleveland, TN

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Getting a speeding ticket may not increase your rates as much as other driving violations or traffic convictions, but it can still cause auto insurance rates to rise. Speeding is dangerous and was the leading factor in traffic fatalities in 2021.[6]

Cleveland drivers with speeding tickets pay an average of $100 per month for liability coverage. Here are the average quotes that the cheapest car insurance companies are charging Cleveland residents with a speeding ticket on their driving record.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm1924
USAA2330
GEICO2431
Travelers2532
Auto-Owners2634
Erie2837
Mile Auto3447
Allstate3545
Farmers3747
Nationwide4660
Safeco4863
Progressive5065
Chubb5470
Midvale Home & Auto5979
Dairyland6382
National General6390
State Auto7199
Elephant74105
Liberty Mutual76108
Direct Auto77100
GAINSCO90128
The General103134
Bristol West124158
Foremost136193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Driving with risky behavior and actually causing an accident are two different things, and that’s why your premiums might go up even more if you do have an at-fault accident on your driving record.[7]

Drivers in Cleveland with at-fault accidents pay an average of $105 per month for liability coverage. In Cleveland, even the cheapest car insurance companies raise prices accordingly for a liability-only policy if you have an at-fault accident under your belt.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm1926
USAA2331
GEICO2433
Travelers2534
Auto-Owners2635
Erie2839
Mile Auto3451
Allstate3547
Farmers3750
Nationwide4663
Safeco4863
Progressive5069
Chubb5474
Midvale Home & Auto5984
Dairyland6385
National General6385
State Auto71106
Elephant7499
Liberty Mutual76113
Direct Auto77107
GAINSCO90118
The General103143
Bristol West124166
Foremost136201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: How Long Does an Accident Affect Your Car Insurance Rates?

Learn More: How Long Does an Accident Affect Your Car Insurance Rates?

Cheapest car insurance for drivers with a DUI: State Farm

If you have a DUI on your record, it can be difficult to find a company that will offer you a policy — and if you do, you’ll typically pay higher auto insurance premiums.[7] Insurance companies view drivers with a DUI as high-risk and charge more to cover the higher risk of loss.

Drivers in Cleveland with DUIs pay an average of $119 per month for liability coverage.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm1932
USAA2339
GEICO2440
Travelers2542
Auto-Owners2644
Erie2847
Mile Auto3452
Allstate3559
Farmers3762
Nationwide4677
Safeco4881
Progressive5084
Chubb5491
Midvale Home & Auto5999
Dairyland63106
National General63106
State Auto71119
Elephant74124
Liberty Mutual76128
Direct Auto77129
GAINSCO90151
The General103173
Bristol West124208
Foremost136228
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Senior drivers generally have the most experience of anyone on the road. But around age 70, driving capabilities start to decline, making accidents more likely.[8] Before that point, though, Cleveland senior drivers pay much lower average rates than most other drivers.

Senior drivers in Cleveland pay an average of $50 per month for liability coverage and $109 per month for full coverage. Here are the cheapest auto insurers for seniors in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm1327
USAA1733
GEICO1837
Travelers1837
Auto-Owners1937
Erie1938
Mile Auto2441
Allstate2652
Farmers2654
Nationwide3164
Progressive3367
Chubb3673
Safeco3665
Midvale Home & Auto4177
Dairyland46133
National General47106
State Auto5099
Direct Auto54126
Elephant5485
Liberty Mutual55104
GAINSCO68180
The General78135
Bristol West91225
Foremost98184
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Adding a teen driver to your policy causes a big price hike for policyholders. Insurers charge higher premiums for people younger than 25 because they don’t have as much experience as older drivers and are at an increased risk of getting in an accident.[9]

The average cost of car insurance for teen drivers in Cleveland is $116 per month for liability coverage and $256 per month for full coverage. Here’s how much the cheapest car insurance companies charge on average for a liability-policy for Cleveland teenagers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm3161
GEICO3675
USAA3671
Auto-Owners4385
Travelers4389
Erie4590
Allstate58117
Farmers62128
Mile Auto63109
Nationwide75151
Progressive86176
Chubb95192
Safeco96177
Midvale Home & Auto98182
Dairyland101289
National General112255
Elephant116184
State Auto120236
Direct Auto134312
Liberty Mutual135254
GAINSCO154408
The General158275
Bristol West201495
Foremost230434
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Learn More: The Insurify Guide to Car Insurance Discounts

Learn More: The Insurify Guide to Car Insurance Discounts

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Cleveland car insurance quotes by credit tier

Tennessee lawmakers allow insurers to take your credit history into account when deciding how much to charge you.[10] If you have an excellent or good credit score this means you might qualify for the lowest premiums — but that also means you might also be penalized with unaffordable premiums if you have a poor credit score.

Here’s how much Tennessee residents pay per month, on average, for full-coverage insurance depending on their credit tiers:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Cleveland?

On average, Cleveland residents pay less than the nationwide average for liability-only coverage, at an average of $71 per month versus $104 per month for the whole country. Compared to Tennessee’s state average of $78, Cleveland drivers pay about the same.

More cities in Tennessee

Tennessee residents pay a lot less for car insurance than people living in most other states, and that’s also true for Cleveland residents compared to Tennessee as a whole.

Here’s how Cleveland car insurance costs compare to other Tennessee cities:

CityFull CoverageLiability Only
Chattanooga$170$83
Clarksville$200$88
Franklin$156$76
Kingsport$135$64
Knoxville$171$76
Memphis$244$115
Nashville$206$90
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cleveland car insurance FAQs

Learn more about vehicle factors that can affect your car insurance to help you shop when comparing quotes. You can also read more about Cleveland car insurance below to help answer any questions you may have.

  • How much is car insurance in Cleveland?

    The average cost of car insurance in Cleveland, Tennessee, is $71 per month for liability coverage and $156 per month for full coverage.

  • Which company has the cheapest car insurance in Cleveland?

    State Farm, USAA, and GEICO are the cheapest liability insurers in Cleveland, Tennessee. These insurers have liability rates starting at $19, $23, and $24 per month, respectively.

  • What are the best car insurance companies in Cleveland?

    Among the best car insurance companies in the city are Auto-Owners, State Farm, and USAA. These auto insurers have low average quotes, high customer satisfaction ratings, and strong financial stability ratings. But you can compare quotes from these insurers to see which one offers you the cheapest price for the coverage you want.

  • What factors affect the cost of car insurance in Cleveland?

    Many factors can affect your car insurance costs, including your age, gender, vehicle, and past driving history. Additionally, the cost of medical care and car repairs, accident and theft rates, and traffic density in your area can influence how much you pay.[9]

  • How much car insurance do you need in Tennessee?

    Tennessee requires drivers to carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability coverage.[3]

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "QuickFacts: Cleveland city, Tennessee."
  2. J.D. Power. "2022 U.S. Auto Claims Satisfaction Study."
  3. Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
  4. NAIC. "NAIC Consumer Shopping Tool for Auto Insurance."
  5. Nolo. "Tennessee Car Insurance and Financial Responsibility Laws."
  6. NHTSA. "Speeding and Aggressive Driving Prevention."
  7. III. "Do auto insurance premiums go up after a claim?."
  8. III. "Senior driving safety and insurance tips."
  9. III. "What determines the price of an auto insurance policy?."
  10. NAIC. "Credit-Based Insurance Scores."
Lindsay VanSomeren
Lindsay VanSomeren

Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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