Cheapest Auto Insurance in Cleveland, Tennessee (2026)

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 $93 per month compared to the national overall average of $136 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.

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	$97	$49	Best overall
Erie	8.4	$141	$71	Affordable rates
USAA	9.1	$114	$58	Military families

Disclaimer: Table data is based on real-time Cleveland quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

• How Insurify rates insurance companies

  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 55,000 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.

Best insurer overall: State Farm

Overall

Compare Quotes

User Reviews	4.0 7,299 reviews
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.	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.	$43/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.	$94/mo

Details

Driver Reviews

4.0

Best choice in Cleveland, TNBased on 16,551 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Cleveland for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Cleveland for

Customer service

Competitive rates

Discounts for safe drivers

Showing 34 Tennessee reviews for Cleveland drivers - See all 7,299 State Farm reviews

Judy

Verified Review

Help! Need lower rate!

Reviewed in Tennessee on March 30, 2026

I just wish that the price was a little lower. I'm almost seventy years old, I'm on a fixed income, and I don't drive maybe three days out of the week, and that's mainly to church or right in town. I just think the rates could be a little lower for elderly folk.

Karissa

Verified Review

If State Farm had gap insurance, I wouldn't change.

Reviewed in Tennessee on March 29, 2026

So far, so good. I haven't had it long enough to really give an opinion.

Deborah

Verified Review

Age 69, No Claims, Insurance Tripled!

Reviewed in Tennessee on March 4, 2026

I had to switch to the minimum coverage when my full coverage cost tripled.

Doshia

Verified Review

Poor

Reviewed in Tennessee on February 24, 2026

My current insurance is a lot cheaper than State Farm insurance.

Thomas

Verified Review

Unstable Billing

Reviewed in Tennessee on February 17, 2026

My bill is always fluctuating and never the same.

Eric

Verified Review

I need better coverage

Reviewed in Tennessee on February 6, 2026

Just for one car, I'm paying almost $200 for full coverage. I feel like that's too much just for one car, and I don't have a DUI or ticket. I've been with them for over 10 years.

Cynthia

Verified Review

Good service but way too expensive and no consideration of time spent with the company, age, or very good driving record.

Reviewed in Tennessee on January 27, 2026

Good service but way too expensive and no consideration of time spent with the company, age, or very good driving record.

Victor

Verified Review

Expensive Coverages

Reviewed in Tennessee on January 12, 2026

Too pricey. The premium is way too high.

April

Verified Review

Shop around

Reviewed in Tennessee on January 11, 2026

Find a good price. These guys are the highest.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

673

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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).

A++

Why we picked this company

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

Best insurer for affordable rates: Erie

Affordable Rates

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User Reviews	4.4 228 reviews
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.	8.4 /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.	$62/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.	$138/mo

Details

Driver Reviews

4.4

Best choice in Cleveland, TNBased on 500 verified driver reviews and ratings

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best in Cleveland for

High customer satisfaction

Competitive rates

Optional coverages

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best in Cleveland for

High customer satisfaction

Competitive rates

Optional coverages

Showing 4 Tennessee reviews for Cleveland drivers - See all 228 Erie Insurance reviews

Dixie

Verified Review

Overall a good experience

Reviewed in Tennessee on January 6, 2026

One of the cheapest car insurance policies I have ever had.

John

Verified Review

Erie Insurance is Amazing

Reviewed in Tennessee on July 24, 2025

Erie Insurance and Summit Agency are wonderful companies. Ask them for the best rates.

David

Verified Review

Searching for lower costs

Reviewed in Tennessee on June 19, 2025

Cheapest as far as cost so far.

John

Verified Review

Excellent service and commitment to customers!

Reviewed in Tennessee on April 16, 2025

Erie Insurance is a great company. I am extremely happy with their service and recommend them frequently. Like everyone else, I always look for ways to save money while getting the best possible service. Auto and home insurance costs keep rising even without a claim. I am currently working with my agency, Summit Agency, here in Tennessee to see if rates can be improved. I really do like this group.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

676

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.68

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).

A+

Why we picked this company

Erie Insurance has been selling auto coverage since 1925. 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. AM Best gives Erie superior ratings for financial stability and credit strength. The company has a lower-than-expected number of complaints with the National Association of Insurance Commissioners 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 AM Best ratings

• Competitive rates for teenagers and drivers with speeding tickets

• Offers numerous optional auto coverages

Cons

• Available in only 12 states

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

• Offers fewer discounts than competitors

Best insurer for military families: USAA

Military Families

Compare Quotes

User Reviews	4.9 1,517 reviews
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.	9.1 /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.	$50/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.	$112/mo

Details

Driver Reviews

4.9

Best choice in Cleveland, TNBased on 3,317 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Cleveland for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Cleveland for

Members of the military community

Outstanding customer service

Competitive rates

Showing 11 Tennessee reviews for Cleveland drivers - See all 1,517 USAA reviews

Barbara

Verified Review

Poor service and experience

Reviewed in Tennessee on March 23, 2026

They are very hard to get a hold of on the phone. I asked for a copy of my insurance and cards last month, and I have yet to receive them.

Stephen

Verified Review

Nice, but not fair

Reviewed in Tennessee on March 20, 2026

USAA is not flexible on insurance rates. I've been a member for 16 years and paying $2,000 per year for insurance. I've never had a claim and never received a ticket or infraction. I asked for a better rate and was told nothing was available. Now I'm looking to change companies due to high costs and low-value customer appreciation.

Michael

Verified Review

USAA

Reviewed in Tennessee on March 2, 2026

Good coverage at a great price.

George

Verified Review

USAA is great; I would recommend them to all veterans

Reviewed in Tennessee on January 26, 2026

It is a great insurance.

Peter

Verified Review

USAA is the finest insurance company I have ever been with.

Reviewed in Tennessee on January 19, 2026

I've got a total of forty-six years with USAA. Most of the military are insured with them. I always got great coverage and no problems with all the personnel I've dealt with. I recommend USAA to everyone.

George

Verified Review

Excellent

Reviewed in Tennessee on January 11, 2026

They're great. I would recommend them to anyone.

Diane

Verified Review

Get your home and car covered with USAA insurance!

Reviewed in Tennessee on January 6, 2026

USAA offers more comprehensive coverage for less premium costs than all the others I checked with.

Barbara

Verified Review

Feelings about my auto insurance

Reviewed in Tennessee on December 27, 2025

They are difficult to get a person to talk to. Also, compared to other companies, they seem high.

Daniel

Verified Review

Outstanding Customer Service Personnel

Reviewed in Tennessee on December 5, 2025

Customer service personnel are polite, courteous, and very professional.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

759

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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).

A++

Why we picked this company

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

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 $43/mo.

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Cheapest liability-only car insurance in Cleveland: Mile Auto

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 $62 per month for liability coverage. Here are the cheapest liability-only car insurance policies in Cleveland.

The below rates in Cleveland, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Mile Auto	$43
State Farm	$43
Sun Coast	$43
Progressive	$47
Certainly	$48
Direct Auto	$49
USAA	$50
AssuranceAmerica	$55
GEICO	$56
Freedom National	$58
Auto-Owners	$59
Travelers	$59
The General	$60
Erie	$62
Trexis	$62
Safeco	$70
Trexis One	$71
Dairyland	$73
GAINSCO	$73
Mendota	$75
Allstate	$78
National General	$79
First Acceptance	$80
Farmers	$85
Liberty Mutual	$90
Bristol West	$92
Root	$92
Elephant	$98
Nationwide	$104
Chubb	$122
State Auto	$162

Disclaimer: Table data sourced from real-time Cleveland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cleveland may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Cleveland: Mile Auto

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 $125 per month for full coverage. Here’s how much insurers charge for a full-coverage policy in Cleveland.

The below rates in Cleveland, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Mile Auto	$81
Sun Coast	$84
Progressive	$93
State Farm	$94
Direct Auto	$111
USAA	$112
GEICO	$124
Safeco	$128
Travelers	$128
Auto-Owners	$129
National General	$130
Erie	$138
Certainly	$139
AssuranceAmerica	$140
Elephant	$147
Trexis	$149
Root	$157
Allstate	$173
Trexis One	$173
Liberty Mutual	$176
The General	$177
GAINSCO	$183
Mendota	$184
Farmers	$187
Freedom National	$195
Bristol West	$204
First Acceptance	$210
Dairyland	$222
Nationwide	$230
Chubb	$269
State Auto	$358

Disclaimer: Table data sourced from real-time Cleveland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cleveland 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

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: Mile Auto

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 $82 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 in Cleveland, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Mile Auto	$43	$54
State Farm	$43	$56
Sun Coast	$43	$57
Progressive	$47	$62
Certainly	$48	$63
Direct Auto	$49	$63
USAA	$50	$66
GEICO	$56	$75
Freedom National	$58	$77
Auto-Owners	$59	$79
Travelers	$59	$79
The General	$60	$82
Erie	$62	$84
Trexis	$62	$82
Safeco	$70	$95
Trexis One	$71	$94
Dairyland	$73	$94
GAINSCO	$73	$90
Mendota	$75	$99
Allstate	$78	$104
National General	$79	$101
First Acceptance	$80	$106
Farmers	$85	$112
Liberty Mutual	$90	$118
Bristol West	$92	$119
Root	$92	$126
Elephant	$98	$121
Nationwide	$104	$139
Chubb	$122	$159
State Auto	$162	$221

Disclaimer: Table data sourced from real-time Cleveland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cleveland 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 $87 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 in Cleveland, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Mile Auto	$43	$60
State Farm	$43	$58
Sun Coast	$43	$60
Progressive	$47	$66
Certainly	$48	$67
Direct Auto	$49	$69
USAA	$50	$69
GEICO	$56	$75
Freedom National	$58	$81
Auto-Owners	$59	$80
Travelers	$59	$82
The General	$60	$85
Erie	$62	$85
Trexis	$62	$87
Safeco	$70	$101
Trexis One	$71	$99
Dairyland	$73	$99
GAINSCO	$73	$96
Mendota	$75	$105
Allstate	$78	$107
National General	$79	$108
First Acceptance	$80	$112
Farmers	$85	$116
Liberty Mutual	$90	$123
Bristol West	$92	$125
Root	$92	$126
Elephant	$98	$132
Nationwide	$104	$144
Chubb	$122	$166
State Auto	$162	$227

Disclaimer: Table data sourced from real-time Cleveland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cleveland may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Sun Coast

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 $89 per month for liability coverage.

The below rates in Cleveland, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Mile Auto	$43	$63
State Farm	$43	$63
Sun Coast	$43	$62
Progressive	$47	$67
Certainly	$48	$69
Direct Auto	$49	$71
USAA	$50	$73
GEICO	$56	$81
Freedom National	$58	$83
Auto-Owners	$59	$86
Travelers	$59	$86
The General	$60	$88
Erie	$62	$90
Trexis	$62	$89
Safeco	$70	$108
Trexis One	$71	$102
Dairyland	$73	$106
GAINSCO	$73	$106
Mendota	$75	$107
Allstate	$78	$114
National General	$79	$115
First Acceptance	$80	$114
Farmers	$85	$124
Liberty Mutual	$90	$131
Bristol West	$92	$134
Root	$92	$135
Elephant	$98	$143
Nationwide	$104	$152
Chubb	$122	$178
State Auto	$162	$221

Disclaimer: Table data sourced from real-time Cleveland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cleveland may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

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 $54 per month for liability coverage and $108 per month for full coverage. Here are the cheapest auto insurers for seniors in the city.

The below rates in Cleveland, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Mile Auto	$34	$64
State Farm	$34	$74
Sun Coast	$37	$73
Direct Auto	$40	$90
Certainly	$41	$120
Progressive	$41	$80
USAA	$41	$91
GEICO	$44	$99
Auto-Owners	$47	$102
Erie	$47	$106
Travelers	$47	$102
Freedom National	$50	$168
The General	$50	$149
Trexis	$54	$129
Safeco	$61	$112
Trexis One	$61	$149
Dairyland	$62	$188
GAINSCO	$62	$156
National General	$62	$102
Allstate	$63	$140
Mendota	$65	$159
Farmers	$67	$148
First Acceptance	$69	$181
Liberty Mutual	$75	$147
Bristol West	$77	$170
Root	$77	$131
Nationwide	$80	$176
Elephant	$81	$121
Chubb	$92	$203
State Auto	$123	$272

Disclaimer: Table data sourced from real-time Cleveland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cleveland 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 $126 per month for liability coverage and $255 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 in Cleveland, TN, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$88	$193
Sun Coast	$88	$171
Mile Auto	$93	$176
Progressive	$96	$189
Certainly	$98	$283
USAA	$98	$220
Direct Auto	$100	$226
GEICO	$106	$235
The General	$112	$330
Freedom National	$118	$397
Erie	$120	$268
Auto-Owners	$125	$274
Trexis	$126	$303
Travelers	$129	$280
Dairyland	$133	$405
GAINSCO	$141	$354
Trexis One	$145	$352
Safeco	$149	$272
Mendota	$153	$375
Allstate	$163	$362
First Acceptance	$163	$428
Liberty Mutual	$169	$330
National General	$169	$278
Root	$169	$288
Bristol West	$174	$387
Farmers	$179	$393
Elephant	$184	$276
Nationwide	$215	$475
Chubb	$266	$587
State Auto	$412	$911

Disclaimer: Table data sourced from real-time Cleveland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cleveland may vary based on the policy buyer's unique driver profile.

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:

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 $62 per month versus $99 per month for the whole country. Compared to Tennessee’s state average of $66, 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:

City	Full Coverage	Liability Only
Chattanooga	$133	$68
Clarksville	$146	$71
Franklin	$135	$62
Kingsport	$109	$56
Knoxville	$130	$66
Memphis	$200	$98
Nashville	$159	$80

Disclaimer: Table data is based on real-time Cleveland quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cleveland car insurance FAQs