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Get Cheap Car Insurance in Ohio City-West Side, Cleveland, OH

We monitor insurance prices, helping the average driver in Ohio City-West Side save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Ohio City-West Side

The chart below shows the cheapest car insurance company in Ohio City-West Side for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Safeco Insurance, Travelers, and Mile Auto.

 
Ohio City-West Side Insurer Monthly Cost
State Farm $54
Safeco Insurance $56
Travelers $57
Mile Auto $60

Savings for Every Kind of Ohio City-West Side Driver

The table shows how much the average auto insurance customer in Ohio City-West Side might save by following our recommendations.

Based on our extensive insurance data, we know the average Ohio City-West Side driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $348 per year by choosing the right vehicle insurance company. Some Ohio City-West Side residents are paying out over $1,317 extra every year for auto insurance in Ohio City-West Side. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Ohio City-West Side, Cleveland, OH Savings / Yr.
Drivers with good records
$348
Drivers with accidents
$592
Drivers with speeding tickets
$500
Drivers with a DUI conviction
$534
Young drivers
$1,278
Married drivers
$363
Drivers with bad credit
$510

Ohio City-West Side Car Insurance vs. Cleveland

People living in Ohio City-West Side pay an average of 17.16% more than the typical driver in the state. The average driver in Ohio City-West Side can expect to pay about $889 per year, or $1,317 for full coverage.

Based on our analysis, Mile Auto will be the cheapest provider in Ohio City-West Side for most people.

Car Insurance Prices by Ohio City-West Side Neighborhood

Ohio City-West Side, Cleveland, OH map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Ohio City-West Side?

The map shows insurance prices in and around Ohio City-West Side, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $236 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,453 to a low of $1,217. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of Ohio City-West Side.

Pick the Best Car Insurance Company for You in Ohio City-West Side

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Ohio City-West Side insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Ohio City-West Side

For drivers with clean driving records and no major strikes, Mile Auto is the best option, with annual savings of $348 over the average Ohio City-West Side car insurance company.

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We use the average good driver, paying $81 per month, as our baseline for pricing in Ohio City-West Side. Mile Auto, Clearcover, and Gainsco are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Ohio City-West Side drivers with accidents on their records

In Ohio City-West Side getting into an accident will raise premiums an average 38% for a yearly cost of $2,121. That's $804 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Gainsco, and Mile Auto are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $592 over the competition.

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The best car insurance company for Ohio City-West Side drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $500 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Ohio City-West Side, tickets raise premiums on new quotes about $567. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Gainsco for savings that beat the average insurance cost of $1,884 per year.

The best auto insurance for Ohio City-West Side drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,944 per year in auto insurance premiums, which was $627 more than a driver with no major issues. Gainsco, Mile Auto, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Gainsco may cost the average person with a DUI about $534 less each year.

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The least expensive car insurance company for new and young drivers in Ohio City-West Side

In Ohio City-West Side, Geico costs young drivers $1,278 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Ohio City-West Side. With an average cost of $4,607 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Ohio City-West Side

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $56. State Farm, Geico, and Progressive provided the largest discounts to couples living in Ohio City-West Side.

State Farm gave the largest car insurance discounts to married couples, averaging $363 saved each year compared to an average Ohio City-West Side couple's premiums.

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The cheapest car insurance in Ohio City-West Side for drivers with bad credit

People with poor credit saved an average of $510 with Clearcover.

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Many people are surprised that their poor credit score can cost them an average of $674 every year. Premiums for people with poor credit were about $1,991 in Ohio City-West Side. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Clearcover.

The best Ohio City-West Side car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Ohio City-West Side, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Ohio City-West Side.

Nationwide was the best company for customer service in Ohio City-West Side according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Ohio City-West Side, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Ohio City-West Side. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Ohio City-West Side

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 71% of Ohio City-West Side residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ohio City-West Side driver can expect to pay about $76 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Ohio City-West Side, USAA has the best prices for young drivers, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and drivers with a DUI conviction.
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Auto Insurance Prices in and Around Ohio City-West Side

What Influences the Cost of Car Insurance in Ohio City-West Side?

On average, car insurance in Ohio City-West Side is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Ohio City-West Side is 26 minutes, which is about the national average for a driver in the city.
  • Ohio state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Ohio City-West Side are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
  • Ohio City-West Side is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Ohio City-West Side is $74 per month for minimum coverage and $110 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Ohio City-West Side driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Ohio City-West Side with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.