Best Cheap Auto Insurance in Cleveland, Tennessee (2023)

The best car insurance company in Cleveland for most people is State Farm, due to its wide range of options, excellent customer satisfaction scores, and — most importantly — its low rates.

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Lindsay VanSomeren
Lindsay VanSomeren
Updated October 1, 2023
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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Cleveland, Tennessee, is a smaller city by population compared to other cities in the area. And 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 average of $102 per month for liability coverage and $214 for full coverage.

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

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

  • Car insurance costs in Cleveland are 5% lower than the Tennessee state average.

  • A DUI on your record in Cleveland can result in paying double for car insurance.

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Cheapest car insurance companies in Cleveland

Car insurance is much cheaper in Cleveland than in major Tennessee cities. It can be tough to sort out which company is the best option, however. You can buy the same basic car insurance from just about any insurer, after all, 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:

Best insurance 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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$42/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 claims satisfaction ratings[2]

  • Lowest overall coverage costs

Cons
  • No gap coverage

  • No custom aftermarket equipment coverage

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023
Verified

Premiums jump every six months

Kenneth - January 31, 2023
Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023
Verified
Read our State Farm review

Best temporary car insurance: Hugo

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.
3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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.
$48/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.
$67/mo

Hugo is a relatively new insurance company that offers flexible, pay-as-you-go coverage. Drivers can turn coverage on and off as needed so they only pay for days that they’re driving. It’s best for people who work from home or don’t drive frequently.

Pros
  • Drivers can purchase coverage for as short as three days

  • Offers cash rewards

Cons
  • Can only pay with credit, debit, or prepaid card

  • No mobile app

Very helpful in times of need.

Alessandra - July 14, 2023
Verified

I love it.

Jamaica - July 12, 2023
Verified
Read our Hugo review

Best insurance 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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$25/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.
$51/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, those who can enjoy highly rated customer service and cheap car insurance.

Pros
  • Low premiums compared to other insurers

  • Excellent claims satisfaction ratings[2]

Cons
  • Not available to everyone

  • No gap coverage

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

They Serve The Veteran.

Jack - September 7, 2023
Verified

Raised rates nearly 43%.

Jan - June 19, 2023
Verified
Read our USAA review

Cheapest liability-only car insurance in Cleveland

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.

Here are the cheapest liability-only car insurance policies in Cleveland:

Insurance CompanyAverage Monthly Quote
State Farm$31
Hugo$37
USAA$37
GEICO$40
Auto-Owners$42
Erie$45
Mile Auto$49
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

Full-coverage policies include comprehensive and collision insurance. Comprehensive insurance covers car repairs from noncollision 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] Here’s how much you can expect to pay for a full-coverage policy in Cleveland:

Insurance CompanyAverage Monthly Quote
State Farm$70
Mile Auto$81
USAA$82
GEICO$91
Auto-Owners$95
Erie$102
National General$118
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

This 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)

This 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

This 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

This 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

This 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.

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Cheapest car insurance for drivers with a speeding ticket

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]

Here are the average quotes that the cheapest car insurance companies are charging Cleveland residents with a speeding ticket on their driving record.

Insurance CompanyAverage Monthly Quote
State Farm$41
Hugo$49
USAA$49
GEICO$54
Auto-Owners$57
Erie$61
Mile Auto$66
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

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]

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:

Insurance CompanyAverage Monthly Quote
State Farm$44
Hugo$52
USAA$52
GEICO$58
Auto-Owners$61
Erie$65
Mile Auto$71
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

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.

Here’s how much the average Cleveland driver with a DUI pays for a basic liability-only policy, according to Insurify data:

Insurance CompanyAverage Monthly Quote
State Farm$62
Hugo$73
USAA$73
GEICO$80
Auto-Owners$84
Erie$90
Mile Auto$98
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

Senior drivers generally have the most experience of anyone on the road. However, at age 75, driving capabilities start to decline, making accidents more likely.[8] Before that point, though, Cleveland senior drivers enjoy much lower quotes, on average, than most other drivers.

Here’s how much you can expect to pay each month for a liability-only policy if you’re a senior driver in Cleveland:

Insurance CompanyAverage Monthly Quote
State Farm$19
Hugo$23
USAA$23
GEICO$25
Auto-Owners$27
Erie$29
Mile Auto$31
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

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 thus at an increased risk of getting in an accident.[9]

Here’s how much the cheapest car insurance companies charge on average for a liability-policy for Cleveland teenagers:

Insurance CompanyAverage Monthly Quote
State Farm$45
Hugo$54
USAA$54
GEICO$59
Auto-Owners$62
Erie$67
Mile Auto$73
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.

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.

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 score 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 scores:

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?

Cleveland residents pay 40% less than the nationwide average for liability-only coverage, at an average of $102 per month versus $170 per month for the whole country. Compared to Tennessee’s state average, Cleveland drivers pay 5% less for liability coverage than drivers across the state.

It’s not quite as stark of a difference for full-coverage policies, however, at just 15% less: $253 for the national average full-coverage policy versus just $214 per month for the same policy type in Cleveland.

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. Cleveland residents pay less for full-coverage car insurance than people living in most other cities and ZIP codes, except for Chattanooga. Here’s how Cleveland car insurance costs compare to other Tennessee cities:

CityAverage Monthly QuoteCompared to Cleveland
Antioch$23912%
Chattanooga$210-2%
Clarksville$24113%
Cordova$30743%
Knoxville$2172%
Memphis$30040%
Murfreesboro$24113%
Nashville$2255%
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.

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

With this data, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represents averages across all ages, genders, credit scores, and driver profiles for Cleveland drivers.

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 $168 a month overall — that’s $102 a month for liability-only coverage and $214 for full-coverage policies.

  • Who has the cheapest car insurance in Cleveland?

    Auto-Owners, GEICO, Hugo, State Farm, and USAA are the cheapest car insurance companies in Cleveland, Tennessee. These insurers have cheap car insurance compared to other insurance companies in the city and have average quotes of less than $100 a month.

  • 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. However, 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, past driving history, and credit score. 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]

Sources

  1. U.S. Census Bureau. "QuickFacts: Cleveland city, Tennessee." Accessed June 23, 2023
  2. J.D. Power. "2022 U.S. Auto Claims Satisfaction Study." Accessed June 23, 2023
  3. Tennessee Department of Revenue. "Why You Should Have Auto Insurance." Accessed June 23, 2023
  4. NAIC. "NAIC Consumer Shopping Tool for Auto Insurance." Accessed June 23, 2023
  5. Nolo. "Tennessee Car Insurance and Financial Responsibility Laws." Accessed June 23, 2023
  6. NHTSA. "Speeding and Aggressive Driving Prevention." Accessed June 23, 2023
  7. III. "Do auto insurance premiums go up after a claim?." Accessed June 23, 2023
  8. III. "Senior driving safety and insurance tips." Accessed June 23, 2023
  9. III. "What determines the price of an auto insurance policy?." Accessed June 23, 2023
  10. NAIC. "Credit-Based Insurance Scores." Accessed June 23, 2023
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.

Featured in

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