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By: Gokul Menon October, 23, 2019


With a population of around 400,000, Cleveland is the 52nd largest city in the world. Gavop found that the average rate of car insurance here is $983. This is much lesser than some of the other major cities in Ohio, such as Akron ($1,044) and Cincinnati ($1,027). It is also lower than the state average of $1,200. Car owners can further save up to $390 by comparing different quotes and reviews on Gavop. The range of car insurance in Cleveland is from $492 to $1,418.

The reasons for car insurance being expensive in Cleveland could be a conglomeration of numerous factors. Age, gender, make, and model of the car are some of the primary determinants of car insurance rates. The cost of car insurance also depends on the area one lives in Cleveland. Demographics play a crucial role in determining the cost of car insurance.

On average, senior men ($1,277) in Cleveland pay lower than senior women ($1,307). On the other hand, male teenagers pay $1,098 more than female teenagers, post-DUI. A 38-year-old married woman driving a 2011 Hyundai Sonata, pays $243 more than a 42-year-old unmarried woman, who drives a 2007 Cadillac Base.

The state of Ohio ranks among the top ten states in the country in auto thefts. The rate of car insurance is directly proportional to the rate of car thefts. The cost of insuring multiple vehicles in Cleveland is also lower than most other cities in Ohio.

The make and model of the car is another factor that influences the cost of insuring one’s car. The Audi S4 and S5 are the most expensive cars to insure in Cleveland. A higher deductible need not mean better savings. Insuring a BMW Z4 or an Infiniti G37 S with a higher deductible need not necessarily transcend to a better rate of savings.

It is essential to keep these factors in mind while insuring one’s car. Finding a balance between cost, effectiveness and one’s requirements is key.


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Gokul Menon

Gokul works as a writer at Gavop. He holds an M.A. in Comparative Literature from the University of Hyderabad and a Bachelor’s in English from Madras Christian College. He has been a part of a couple of theatre groups, like Masquerade Youth Theatre and Theatre No. 59 and enjoyed being a part of Literary and Debating circles in Chennai. Gokul is an avid reader and has presented a few academic papers. He spends more time on Goodreads, than on any other social media platform.