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Cheapest recent rates near Cleveland, Tennessee
Drivers using Insurify have found quotes as cheap as $22/mo for liability only and $44/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 July 25, 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 July 25, 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 July 25, 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 July 25, 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 $116 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 $162 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 $40 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 Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
9.3
$44
$22
Best overall
Erie
9.0
$65
$32
Affordable rates
USAA
9.4
$53
$26
Military 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
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.
$20/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.
$40/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]
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
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.
$29/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.
$59/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
They completely ignore written instructions from higher-ups. Also, agents at the local establishment seem to be dishonest to cover their mistakes.
Eduard - July 24, 2024
Verified
Price, Service, Coverage - Everything is Very Good
Everything is as expected.
Teresa - July 23, 2024
Verified
Erie Insurance is a Great Insurance
I've been with Erie for about 20 years now. They are great when it comes to answering questions and handling anything that I need. I was only comparing different insurance quotes, but I will be staying with Erie.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
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.
$24/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.
$48/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]
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
…
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 $20/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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$20
USAA
$24
GEICO
$26
Travelers
$26
Auto-Owners
$27
Erie
$29
Mile Auto
$36
Allstate
$37
Farmers
$39
Nationwide
$48
Progressive
$53
Chubb
$57
Safeco
$57
Midvale Home & Auto
$65
Dairyland
$67
National General
$69
State Auto
$75
Direct Auto
$77
Elephant
$79
Liberty Mutual
$83
GAINSCO
$93
The General
$104
Bristol West
$129
Foremost
$141
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 $162 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$40
USAA
$48
GEICO
$53
Auto-Owners
$56
Travelers
$56
Erie
$59
Mile Auto
$65
Allstate
$75
Farmers
$80
Safeco
$97
Nationwide
$99
Progressive
$108
Midvale Home & Auto
$113
Chubb
$116
Elephant
$126
State Auto
$154
Liberty Mutual
$155
National General
$159
Direct Auto
$180
The General
$189
Dairyland
$192
GAINSCO
$252
Foremost
$272
Bristol West
$318
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 recent rates near Cleveland, Tennessee
Drivers using Insurify have found quotes as cheap as $22/mo for liability only and $44/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 July 25, 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 July 25, 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 July 25, 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage
Minimum 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:
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.
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.
Collision coverage
Collision insurance covers your car against damage while you’re driving it, such as sliding into a ditch and hitting a boulder.
Comprehensive coverage
Comprehensive insurance covers your car against damage not related to an accident, like a fire, vandalism, falling objects, or weather damage.
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
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.
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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 $101 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
$20
$26
USAA
$24
$31
GEICO
$26
$34
Travelers
$26
$34
Auto-Owners
$27
$35
Erie
$29
$38
Mile Auto
$36
$49
Allstate
$37
$48
Farmers
$39
$50
Nationwide
$48
$63
Progressive
$53
$69
Chubb
$57
$75
Safeco
$57
$75
Midvale Home & Auto
$65
$87
Dairyland
$67
$87
National General
$69
$89
State Auto
$75
$105
Direct Auto
$77
$100
Elephant
$79
$112
Liberty Mutual
$83
$118
GAINSCO
$93
$132
The General
$104
$137
Bristol West
$129
$167
Foremost
$141
$201
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 $106 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
$20
$27
USAA
$24
$33
GEICO
$26
$36
Travelers
$26
$36
Auto-Owners
$27
$37
Erie
$29
$40
Mile Auto
$36
$53
Allstate
$37
$51
Farmers
$39
$53
Nationwide
$48
$66
Progressive
$53
$74
Chubb
$57
$79
Safeco
$57
$76
Midvale Home & Auto
$65
$94
Dairyland
$67
$92
National General
$69
$95
State Auto
$75
$113
Direct Auto
$77
$108
Elephant
$79
$106
Liberty Mutual
$83
$124
GAINSCO
$93
$123
The General
$104
$145
Bristol West
$129
$175
Foremost
$141
$210
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 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 $120 per month for liability coverage.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
$20
$34
USAA
$24
$41
GEICO
$26
$44
Travelers
$26
$44
Auto-Owners
$27
$46
Erie
$29
$49
Mile Auto
$36
$55
Allstate
$37
$63
Farmers
$39
$66
Nationwide
$48
$81
Progressive
$53
$90
Chubb
$57
$96
Safeco
$57
$96
Midvale Home & Auto
$65
$110
Dairyland
$67
$113
National General
$69
$117
State Auto
$75
$127
Direct Auto
$77
$130
Elephant
$79
$134
Liberty Mutual
$83
$140
GAINSCO
$93
$157
The General
$104
$176
Bristol West
$129
$218
Foremost
$141
$238
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 $49 per month for liability coverage and $112 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$14
$28
USAA
$18
$35
Auto-Owners
$19
$40
GEICO
$19
$39
Travelers
$19
$40
Erie
$20
$40
Mile Auto
$25
$45
Allstate
$27
$55
Farmers
$28
$57
Nationwide
$33
$68
Progressive
$34
$70
Chubb
$38
$78
Safeco
$43
$73
Midvale Home & Auto
$45
$79
Dairyland
$49
$140
National General
$49
$114
State Auto
$52
$108
Direct Auto
$55
$128
Elephant
$58
$92
Liberty Mutual
$61
$115
GAINSCO
$71
$192
The General
$78
$141
Bristol West
$95
$233
Foremost
$101
$195
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 $118 per month for liability coverage and $270 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$33
$65
USAA
$38
$77
GEICO
$39
$80
Auto-Owners
$45
$93
Travelers
$45
$97
Erie
$47
$96
Allstate
$63
$127
Farmers
$66
$136
Mile Auto
$68
$122
Nationwide
$79
$164
Progressive
$92
$188
Chubb
$102
$208
Dairyland
$108
$308
Midvale Home & Auto
$108
$188
Safeco
$115
$195
Elephant
$126
$200
National General
$129
$297
State Auto
$129
$264
Direct Auto
$136
$317
Liberty Mutual
$147
$275
GAINSCO
$159
$431
The General
$162
$294
Bristol West
$212
$522
Foremost
$242
$466
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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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 $105 per month for the whole country. Compared to Tennessee’s state average of $77, 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:
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 $162 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 $20, $24, and $26 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.
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.
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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State Farm
Erie Insurance
USAA
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