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Cheapest car insurance in Cleveland, Tennessee (Feb 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Cleveland, Tennessee.
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Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by R.E. Fulton, Licensed Insurance Agent —Senior Content Writer

How to find the cheapest car insurance in Cleveland, Tennessee

The best way to find cheap
car insurance
in Cleveland,
Tennessee
, or anywhere, is to
shop around
and compare rates from multiple providers. But with dozens of auto insurance companies to choose from, we don’t blame you if this feels like a bit of a tall order.
Instead of requesting quotes from individual providers, use the
Jerry
app. Jerry walks you through creating a single profile, which we’ll then use to generate real—and free—quotes from multiple top providers.
Take a look at the table below to see the great rates Cleveland, TN drivers found by shopping for coverage with Jerry.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$114
Genevieve, 57
Zip: 37311
Honda Accord Sport
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$168
Jayden, 26
Zip: 37323
Nissan Versa S
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$74
Aaron, 53
Zip: 37323
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
Nationwide
$111
Virginia, 30
Zip: 37323
Dodge Grand Caravan GT
• 100,000/300,000 Liability
• Comp / Collision
National General
$80
Belle, 24
Zip: 37312
Honda Accord Value
• State Minimum Liability
coverageLast Updated Feb 25, 2024

Best car insurance quotes in Cleveland

Based on Jerry’s nationwide insurance shopping survey, policyholders in Tennessee rate
Bristol West
,
GEICO
, and
Travelers
the best for cost, customer service, and claims processing. 
Take a look at the table below to see how Cleveland drivers ranked these and other major insurance companies.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Geico
4.6
4.8
N/A
4.6
State Farm
4.2
3.7
4.6
4.4
Progressive
4.2
3.7
3.8
4
Allstate
4.1
4.3
N/A
4
Farmers
3.7
2.3
N/A
3
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Cleveland

Tennessee law states drivers must purchase a policy that meets or exceeds
the state’s minimum insurance requirements
. While minimum liability coverage is all that’s legally required, most Cleveland drivers choose a full coverage policy to ensure they’re covered both legally and financially.

Cheap minimum liability insurance quotes in Cleveland

Tennessee’s minimum car insurance requirements
include the following coverage limits:
These minimums are often described as 25/50/25 coverage. Here are some policies Cleveland, Tennessee customers found by shopping with Jerry:
card cover
Jeffrey (54 years old)
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37311)
$119
per month
card cover
Aaron (53 years old)
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37323)
$74
per month
card cover
Owen (40 years old)
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37323)
carJeep Grand Cherokee Laredo
$118
per month
card cover
Marcus (25 years old)
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37323)
$130
per month
card cover
Belle (24 years old)
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37312)
$80
per month

Do you need more than minimum coverage in Cleveland?

Generally, drivers in Cleveland, Tennessee need more than just minimum coverage. 
Even small accidents can quickly exceed your minimum liability payout limits, leaving you in danger of lawsuits if you’re at fault. Plus, liability coverage offers no benefits to pay for damages to your own vehicle if you cause an accident.
For the best financial and legal protection—and peace of mind—drivers in Cleveland should opt not only for increased liability insurance limits (at least 50/100/50, but 100/300/100 is better) but also a
full-coverage insurance policy
that includes both comprehensive and collision insurance.
Regardless of whether you choose a full coverage policy, insurance agents in Cleveland are required to offer
uninsured/underinsured motorist coverage
to help cover damages if you’re in an accident caused by one of Cleveland’s many uninsured drivers. This coverage option, though not required by law, is highly recommended—so much so that if you choose to decline it, you must do so in writing.

Cheap full coverage car insurance quotes in Cleveland

“Full coverage” isn’t actually a policy type—it’s a blanket term for car insurance policies that include both liability coverage to pay for damages if you cause an accident, and physical damage coverage—comprehensive and collision insurance—to pay for repairs to your vehicle no matter who, or what, is at fault. 
  • Comprehensive coverage
    pays for damages associated with things like severe weather, theft, and hitting an animal with your car.
  • Collision coverage
    pays for damage caused by collisions with other vehicles or stationary objects.
If you’re leasing or financing your vehicle, you won’t have a choice—lenders will require you to carry full coverage on your vehicle for the duration of your loan or lease. Full coverage is also required if you want to add coverage options like towing and labor coverage (a cheap form of roadside assistance) to your policy. 
Keep in mind: Both collision and comprehensive coverage are subject to deductibles—amounts you must pay before your insurer will begin covering repairs. Choosing a higher deductible is a simple way to keep your rates low but be sure you select an amount you can afford to pay in the event of an accident.
As you might expect, a full-coverage policy will cost more than minimum coverage, but it’s likely more affordable than you might think. Take a look at the rates these Cleveland drivers found by shopping with Jerry.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$114
Genevieve, 57
Zip: 37311
Honda Accord Sport
• State Minimum Liability
• Comp / Collision
Safeco
$74
Aaron, 53
Zip: 37323
Nissan Altima 2.5
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$111
Virginia, 30
Zip: 37323
Dodge Grand Caravan GT
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$168
Jayden, 26
Zip: 37323
Nissan Versa S
• State Minimum Liability
• Comp / Collision
National General
$194
Isaac, 45
Zip: 37312
Mitsubishi Outlander Sport ES
coverageLast Updated Feb 25, 2024
Remember, the best way to find cheap rates for car insurance is to compare quotes from multiple providers, and Jerry makes that easy. Jerry is
a top insurance agency
helping provide free, end-to-end service for car, renters, and homeowners insurance with the help of over 100 licensed insurance agents to find the most affordable rates for you in minutes.
Lower my car insurance too!

Average cost of auto insurance in Cleveland, Tennessee

Cleveland drivers pay around $106 per month or $1,274 per year for minimum liability coverage. Full coverage policies average about $162 per month or $1,944 per year.
Understanding these averages can help you get a general idea of what you might pay for coverage that meets your insurance needs. But remember, these are just averages—what you pay will depend on a variety of highly-individualized factors, starting with what part of Cleveland you live in.

Average cost of car insurance in Cleveland by ZIP code

Your ZIP code plays a large part in your car insurance calculations since different areas of a city are subject to their own unique features. If you move to a ZIP code notorious for traffic congestion or vehicle theft, you’ll likely see higher rates than drivers in other areas of the city. 
To see how your ZIP code could affect your Cleveland insurance rates, check out the table below.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
37311
$45
$131
37312
$53
$114
37323
$58
$105

Car insurance quotes in Cleveland by rating factors 

Your ZIP code is just one of the several factors insurers use to
calculate your insurance premiums
. In addition, they’ll take into account:  
  • Your driving record and claims history: More tickets and insurance claims make you a higher risk to insure, which means higher premiums.
  • Your demographics: Your age, gender, and marital status can all influence your insurance costs.
  • Your mileage: The more you drive, the more likely it is you’ll eventually be in a car accident, which means you’ll pay higher premiums.
  • The make/model of your car: More expensive vehicles, like luxury cars and high-performance vehicles, typically cost more to repair or replace, which is why they’re often more expensive to insure.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, while those with poor credit will likely see higher premiums for identical coverage.

How do different factors impact your car insurance costs in Cleveland?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Tennessee currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Cleveland:

Cheap car insurance quotes in Cleveland after driving violations

One of the most important factors in calculating your insurance premiums is your
Tennessee driving record
. Even a single speeding ticket or at-fault accident could lead to increased insurance costs.
Some common violations that could lead to increase auto insurance rates include:
  • Speeding
  • DUIs
  • At-fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance in Cleveland after speeding ticket

You’re almost certain to see an increase in your insurance rates following a
Tennessee speeding ticket
, but how much your rates increase is linked both to how fast you’re driving and how many times you’ve been ticketed for speeding. If you’re going fast enough to warrant a
reckless driving conviction
, expect major rate increases.
Whether this is your first offense or you have a few speeding tickets in your glove compartment, Jerry can still help you find affordable coverage. 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
National General
$80
Helen, 24
Zip: 37312
Honda Accord Value
• State Minimum Liability
Speeding 16-20
National General
$194
Micheal, 45
Zip: 37312
Mitsubishi Outlander Sport ES
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 23, 2024

Cheapest car insurance in Cleveland after DUI

If you’re convicted of
DUI in Tennessee
, it serves a major red flag for auto insurance companies, signaling you’re a
high-risk driver
, which can send your rates soaring. In fact, some providers may not offer coverage after a DUI, especially if it’s not your first.
Luckily, Jerry can help you get a quote for affordable coverage even after a major conviction, like a DUI.
card cover
Amy (32 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCleveland, TN
(Zip Code: 37323)
$58
per month
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Jeremy (37 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationCleveland, TN
(Zip Code: 37311)
$68
per month

Cheapest car insurance in Cleveland after an at-fault accident

At-fault accidents are a sure-fire way to see steep rate increases from your insurance company. But if you recently had an at-fault accident added to your record, shopping around for car insurance quotes might get you a better rate—like it did for these Cleveland policyholders:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$83
Lulu, 25
Zip: 37311
Ford Thunderbird LX
• State Minimum Liability
Not At Fault
Travelers
$89
Chad, 30
Zip: 37311
Honda Civic LX
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$118
Blake, 40
Zip: 37323
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 25, 2024

Cheapest car insurance in Cleveland after other driving violations

DUIs, speeding tickets, and at-fault accidents aren’t the only offenses that can lead to increased insurance rates. Any moving violations or points on your license can lead to higher premiums. 
Regardless of the violation, Jerry can still help you find affordable coverage. Just take a look at the rates these Cleveland drivers found with Jerry after different violations:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Yield
Progressive
$131
Lily, 40
Zip: 37323
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
Careless Driving
Bristol West
$115
Lawrence, 26
Zip: 37323
Tesla Model 3
• 100,000/300,000 Liability
Failure to Yield
Nationwide
$118
Violet, 40
Zip: 37323
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 24, 2024

Cheap car insurance quotes in Cleveland by age

Your age has a significant impact on your Cleveland, Tennessee insurance rates—especially when you’re young. Drivers under 25 pay the highest rates of any age group, regardless of where they live. 
Typically, drivers see rates start to decrease steadily from age 25 on. Thanks to years of experience behind the wheel, middle-aged drivers often enjoy the lowest rates with most seeing a slight increase as they hit their 70s.

Cheapest car insurance in Cleveland for young drivers

Thanks to a general lack of driving experience, teen drivers (and new drivers in general) pay the most for car insurance in Cleveland, Tennessee and elsewhere. Lack of driving experience means an increased risk for accidents, which leads to higher insurance premiums.
Despite higher overall premiums, you should still consider a full-coverage policy if you’re a young or new driver in Cleveland. Full coverage policies offer the added financial protection you’ll need if you’re involved in a crash.
card cover
Maurice (23 years old)
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37311)
$166
per month
card cover
Juan (24 years old)
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37311)
carNissan Altima
$178
per month
card cover
Belle (24 years old)
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37312)
$80
per month
card cover
Electric
Carlos (24 years old)
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37323)
$209
per month

Cheapest car insurance in Cleveland for senior drivers

Older drivers usually enjoy lower premiums, but senior drivers may see a rate increase in their mid-seventies thanks to slower reflexes and increased risk for injury. Fortunately, there are plenty of way to save:
card cover
Julia (83 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCleveland, TN
(Zip Code: 37323)
carHonda CR-V EXL
$69
per month

Cheap car insurance quotes in Cleveland based on insurance history

Like your driving record and claims history, your insurance history plays an important role in calculating your rates. Specifically, policyholders with long, uninterrupted insurance histories will usually see lower rates than those with short histories or
lapses in coverage
.
Luckily, Jerry can help you find affordable coverage whether this is your first policy or you’ve had a recent or past lapse.
card cover
Rebecca (57 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCleveland, TN
(Zip Code: 37311)
$114
per month
card cover
George (31 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationCleveland, TN
(Zip Code: 37311)
$112
per month
card cover
Eugene (53 years old)
Currently Insured
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37323)
$74
per month
card cover
Carlos (26 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCleveland, TN
(Zip Code: 37323)
$168
per month
card cover
Chase (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationCleveland, TN
(Zip Code: 37323)
$84
per month

Cheap car insurance quotes in Cleveland for drivers with bad credit

While having poor credit doesn’t automatically mean you’re an unsafe driver, insurers have seen a correlation between
low credit scores
and an increased frequency of claims. That’s why drivers with bad credit tend to pay higher premiums than those with healthy credit ratings.
Generally, drivers with excellent credit (over 750) pay about 20% less for auto coverage than drivers with scores below 550.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$104
Francisco, 35
Zip: 37312
Mazda 6 Signature
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Safeco
$138
Mable, 31
Zip: 37312
KIA Optima LX
• State Minimum Liability
• Comp / Collision
550 - 659
Allstate
$168
Carlos, 26
Zip: 37323
Nissan Versa S
• 50,000/100,000 Liability
• Comp / Collision
< 550
National General
$100
Lee, 24
Zip: 37312
Buick Lacrosse
• State Minimum Liability
coverageLast Updated Feb 27, 2024

How to lower car insurance costs in Cleveland

1. Shop around and compare quotes

If you want to ensure you have the best rates on the best coverage, you need to compare quotes from multiple providers. In fact, since your driving profile and insurers criteria for calculating rates are always changing, experts recommend you shop for car insurance with at least three companies and at least every six months.
Jerry makes this otherwise tedious process simple. In just 45 seconds, Jerry can collect quotes from over 55 top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Car insurance discounts
are a key component of an affordable car insurance policy, but not all providers offer the same ones. Common discounts include:
  • Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period. So, safe driving can lead to lower overall rates, plus added discounts.
  • Telematics discounts. Many insurers offer discounts to drivers who track their driving with telematics apps or devices. The safer you drive, the cheaper your coverage.
  • Good student discounts. Providers often offer discounts to full-time students who maintain a B average or better, making those otherwise high young-driver policies more affordable.
  • Bundling discounts. Most of us need more than one type of insurance, and providers usually offer a discount to drivers who
    bundle home insurance and auto
    (or renters insurance and auto coverage) with the same provider.

3. Increase your deductible for comprehensive and collision coverage

Drivers who opt for full-coverage policies can reduce their rates by choosing a higher deductible. Just be sure you select an amount you can comfortably afford in the event of an accident.

FAQ

People living in Cleveland pay on average $106 per month – or $1,274 per year – on state-minimum liability coverage. Full coverage in Cleveland costs on average $162 per month or $1,944 per year.
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Bristol West, and Travelers receive good ratings from Cleveland drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Based on thousands of Cleveland drivers Jerry has worked with, car insurance in Cleveland costs an average of $106 per month for state-minimum coverage and $162 per month for full coverage.
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Nationwide
, Farmers, and The General receive good ratings from Cleveland drivers, based on the largest car insurance survey in the nation conducted by Jerry.
The state-minimum car insurance in Cleveland, Tennessee is $25,000 in bodily injury liability per person, $50,000 per accident, and $15,000 for damage to property. These coverages are commonly referred to as 25/50/15 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 

Meet our experts

avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.