Best Cheap Auto Insurance in Cleveland, Tennessee (2023)

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.

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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

Best temporary car insurance: Hugo

Best insurance for military families: USAA

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:

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:

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]

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

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.

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.

Collision

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

Comprehensive

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

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.

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:

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:

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:

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:

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.

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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:

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:

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