Compare Cleveland, TN Car Insurance Rates (2021)

Car insurance in Cleveland, TN averages $286 a month. Cleveland, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Cleveland car insurance rates, compare quotes from the top car insurance companies in Cleveland, TN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Cleveland for teen drivers is State Farm
  • Average car insurance rates in Cleveland, TN after a DUI are $4,042/year
  • The cheapest car insurance company in Cleveland is State Farm

If you need to buy Cleveland, Tennessee car insurance, the options can be confusing. Everything you need to know about car insurance in Cleveland, TN is right here.

You’ll find Cleveland car insurance rates, the cheapest Cleveland, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Cleveland, Tennessee car insurance rates to Chattanooga car insurance rates, Jackson car insurance rates, and Hendersonville car insurance rates.

Ready to find affordable Cleveland, TN car insurance today? Enter your ZIP code for fast, free Cleveland car insurance quotes.

Cheapest Cleveland, TN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cleveland, TN car insurance rates? Every Cleveland, Tennessee car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cleveland, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,588 $2,481 $2,332 $2,420 $9,780 $10,630 $2,751 $2,844
Farmers $1,748 $1,781 $1,573 $1,732 $7,223 $7,709 $2,365 $2,475
GEICO $2,110 $2,125 $1,938 $1,938 $6,613 $6,710 $2,156 $2,226
Liberty Mutual $3,045 $129 $2,519 $2,819 $12,512 $13,904 $3,248 $3,440
Nationwide $2,187 $2,205 $1,960 $1,991 $6,024 $7,767 $2,515 $2,730
Progressive $1,759 $1,657 $1,435 $1,500 $7,890 $8,879 $2,116 $2,302
State Farm $1,487 $1,487 $1,352 $1,352 $4,668 $5,831 $1,684 $1,958
Travelers $1,703 $1,793 $1,554 $1,654 $4,783 $5,953 $1,811 $1,906
USAA $1,523 $1,547 $1,375 $1,373 $5,447 $6,260 $1,987 $2,113

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Cleveland, TN

Every driver must carry the minimum car insurance in Cleveland, TN. Take a look at the Tennessee car insurance requirements.

Minimum Required Car Insurance Coverage in Cleveland, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Cleveland, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Cleveland, TN. Compare credit history car insurance rates in Cleveland from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Cleveland, Tennessee

Insurance Company Poor Fair Good
Allstate $5,711 $4,376 $3,347
Farmers $3,959 $3,093 $2,925
GEICO $3,657 $3,137 $2,886
Liberty Mutual $7,435 $4,582 $3,590
Nationwide $4,103 $3,264 $2,900
Progressive $3,869 $3,338 $3,119
State Farm $3,597 $2,158 $1,677
Travelers $3,362 $2,643 $1,929
USAA $3,917 $2,297 $1,895

Cheapest Cleveland, TN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cleveland, TN to rates for a clean record with top companies.

Annual Cleveland, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,744 $4,467 $5,413 $4,290
Farmers $2,842 $3,508 $3,607 $3,346
GEICO $2,359 $3,144 $5,045 $2,359
Liberty Mutual $4,224 $6,086 $5,649 $4,850
Nationwide $2,961 $2,961 $4,448 $3,320
Progressive $3,034 $3,935 $3,231 $3,570
State Farm $2,250 $2,704 $2,477 $2,477
Travelers $2,144 $2,751 $3,049 $2,635
USAA $1,966 $2,946 $3,461 $2,440

Cheapest Cleveland, TN Car Insurance for Teen Drivers

Teen car insurance in Cleveland, TN can be expensive. Take a look at rates from the top car insurance companies in Cleveland for teenagers.

Annual Car Insurance Rates for Teen Drivers in Cleveland, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,780 $10,630
Farmers $7,223 $7,709
GEICO $6,613 $6,710
Liberty Mutual $12,512 $13,904
Nationwide $6,024 $7,767
Progressive $7,890 $8,879
State Farm $4,668 $5,831
Travelers $4,783 $5,953
USAA $5,447 $6,260

Cheapest Cleveland, TN Car Insurance for Seniors

Take a look at Cleveland, TN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Cleveland, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,332 $2,420
Farmers $1,573 $1,732
GEICO $1,938 $1,938
Liberty Mutual $2,519 $2,819
Nationwide $1,960 $1,991
Progressive $1,435 $1,500
State Farm $1,352 $1,352
Travelers $1,554 $1,654
USAA $1,375 $1,373

Cheapest Cleveland, TN Car Insurance Rates After a DUI

A DUI in Cleveland, TN increases car insurance rates. Compare Cleveland, Tennessee DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Cleveland, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,413
Farmers $3,607
GEICO $5,045
Liberty Mutual $5,649
Nationwide $4,448
Progressive $3,231
State Farm $2,477
Travelers $3,049
USAA $3,461

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Cleveland, TN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cleveland, TN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Cleveland, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,478 $4,478
Farmers $3,326 $3,326
GEICO $3,204 $3,250
Liberty Mutual $5,202 $5,202
Nationwide $3,422 $3,422
Progressive $3,442 $3,442
State Farm $2,417 $2,537
Travelers $2,541 $2,748
USAA $2,628 $2,778

Cheapest Cleveland, TN Car Insurance Rates by ZIP Code

Cleveland car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cleveland, TN.

Annual Car Insurance Rates by ZIP Code in Cleveland, Tennessee

ZIP Code Average Annual Rates
37311 $3,502
37312 $3,487
37323 $3,503

The Best Cheap Car Insurance Companies in Cleveland, TN

Take a look at a side-by-side comparison of the top car insurance companies in Cleveland, TN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Cleveland, Tennessee

Insurance Company Average Annual Rates
Allstate $4,478
Farmers $3,326
GEICO $3,227
Liberty Mutual $5,202
Nationwide $3,422
Progressive $3,442
State Farm $2,477
Travelers $2,645
USAA $2,703

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Cleveland, Tennessee

Find the cheapest car insurance companies in Cleveland, TN for each category right here.

Best Annual Car Insurance Rates by Company in Cleveland, Tennessee

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Cleveland, TN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cleveland car insurance rates. Find the cheapest Cleveland, TN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Cleveland, Tennessee

Insurance Company Low Medium High
Allstate $4,311 $4,467 $4,656
Farmers $3,111 $3,306 $3,559
GEICO $3,059 $3,219 $3,403
Liberty Mutual $4,946 $5,201 $5,459
Nationwide $3,436 $3,354 $3,477
Progressive $3,209 $3,442 $3,675
State Farm $2,323 $2,490 $2,619
Travelers $2,476 $2,642 $2,815
USAA $2,620 $2,695 $2,795

What affects car insurance rates in Cleveland, Tennessee?

What factors can have an impact on Cleveland, TN car insurance? There are several reasons why Cleveland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cleveland, Tennessee.

Commute Time in Cleveland

The more time you spend in your car the higher the risk of an accident. The average commute length in Cleveland, TN is 20.9 minutes according to City-Data.

Traffic in Cleveland

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cleveland, TN traffic data from INRIX ranks Cleveland as the 542nd-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Cleveland, TN

Ready to find affordable Cleveland, Tennessee car insurance today? Enter your ZIP code for fast, free Cleveland, TN car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption