120+ more*Quotes generated for Insurify users in and around Cleveland, Ohio within the last 10 days. Last updated on July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Cleveland, Ohio within the last 10 days. Last updated on July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
){kind=small}
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Cleveland drivers pay an average of $79 per month for state-minimum Ohio insurance and $149 per month for full coverage. That’s slightly higher than the average monthly Ohio car insurance costs of $64 for liability coverage and $117 for full coverage.
Cleveland’s rates are slightly lower than those in Columbus, while Canton drivers pay lower monthly rates.
Cleveland has a population density of 4,794 people per square mile, far above the Ohio average of 289.[1] More vehicles packed into a smaller area means more chances for accidents and car insurance claims.
At an average of $44 per month, Mile Auto offers the cheapest liability-only auto insurance coverage in Cleveland. The rate is lower than the city’s average liability insurance rate of $79 per month.
Ohio car insurance requirements set the minimum coverage at 25/50/25: $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability.[2]
The table below shows the cheapest liability-only rates in Cleveland.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Mile Auto | $44 |
| State Farm | $45 |
| Progressive | $51 |
| Auto-Owners | $53 |
| Erie | $53 |
| Commonwealth Casualty | $58 |
| GEICO | $58 |
| USAA | $58 |
| Safeco | $60 |
| The General | $60 |
| Certainly | $63 |
| American Family | $64 |
| Hugo | $70 |
| Trexis | $70 |
| AssuranceAmerica | $73 |
| Trexis One | $76 |
| First Acceptance | $78 |
| Direct Auto | $83 |
| Elephant | $83 |
| GAINSCO | $83 |
| Clearcover | $88 |
| Bristol West | $89 |
| Dairyland | $94 |
| Root | $95 |
| Allstate | $99 |
| National General | $99 |
| Liberty Mutual | $103 |
| Travelers | $106 |
| Farmers | $110 |
| Insurify Car | $134 |
| State Auto | $153 |
Pay your first week’s premium and get immediate proof of insurance
Mile Auto comes in at an average of $69 per month, making it the cheapest insurer for for full coverage in Cleveland. Full-coverage insurance in Cleveland is slightly more expensive than in most other Ohio cities.
Cleveland-area drivers reported 2,545 stolen vehicles in the first half of 2025, ranking the metro 32nd nationally for theft volume, according to Insurify data. If your vehicle is stolen or vandalized, a full-coverage auto policy will cover the theft or vandalism, while a liability-only policy won’t.
The table below shows the cheapest full-coverage rates in Cleveland.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Mile Auto | $69 |
| State Farm | $78 |
| Auto-Owners | $90 |
| Erie | $90 |
| Progressive | $96 |
| Safeco | $96 |
| GEICO | $98 |
| USAA | $100 |
| American Family | $111 |
| Direct Auto | $114 |
| CSAA | $128 |
| Elephant | $129 |
| AssuranceAmerica | $134 |
| Certainly | $139 |
| The General | $140 |
| National General | $142 |
| Commonwealth Casualty | $150 |
| Root | $157 |
| Allstate | $170 |
| Liberty Mutual | $172 |
| Clearcover | $174 |
| Trexis | $174 |
| Travelers | $184 |
| GAINSCO | $188 |
| Farmers | $189 |
| Bristol West | $193 |
| First Acceptance | $208 |
| Dairyland | $212 |
| Trexis One | $212 |
| State Auto | $261 |
Cleveland’s car insurance average of $114 sits between Cincinnati, at $111 per month, and Columbus, at $118 per month.
Smaller Ohio cities like Canton and Springfield come in lower, at $92 and $85 per month, respectively.
Cuyahoga County drivers buckle up 64% of the time, below Franklin County’s 89% and the statewide 85%.[3] Lower compliance translates to more severe injury claims, which car insurance companies price into Cleveland rates.
See how Cleveland’s average rate stacks up against other Ohio cities below.
City | Average Monthly Quote |
|---|---|
| Canton | $92 |
| Cincinnati | $111 |
| Cleveland | $114 |
| Columbus | $118 |
| Dayton | $101 |
| Hamilton | $99 |
| Springfield | $85 |
| Toledo | $115 |
*Quotes generated for Insurify users in and around Cleveland, Ohio within the last 10 days. Last updated on July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Cleveland, Ohio within the last 10 days. Last updated on July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Ohio, any at-fault incident on your record can raise your Cleveland rate at renewal. Here are the cheapest insurers for Cleveland drivers by driving record:
Cheapest car insurance for Cleveland drivers with a clean driving record: Mile Auto
Cheapest car insurance for drivers with a speeding ticket in Cleveland: Mile Auto
Cheapest car insurance for Cleveland drivers with an at-fault accident: Mile Auto
Cheapest car insurance for drivers with an OVI in Cleveland: Mile Auto
In Cleveland, nearly 6% of drivers have a speeding ticket, 5% have an at-fault accident, and 1% have an operating a vehicle under the influence (OVI) conviction, according to Insurify data. Ohio uses modified comparative negligence rules. This means you can recover damages after a crash only if you’re 50% or less at fault, and your payout drops by your share of the blame.
Here you can see how average monthly rates differ for drivers in Cleveland based on their driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $114 |
| Speeding ticket | $151 |
| At-fault accident | $161 |
| OVI | $165 |
Cleveland sits between two snowbelts off Lake Erie. The primary one runs east of the city to Buffalo, and the secondary one stretches toward Akron. Downtown gets less lake-effect snow than its neighbors, but winter can still slow commutes and push up claims for slide-offs and fender-benders.
Tourism brings a steady stream of out-of-town drivers to downtown. The Rock & Roll Hall of Fame draws around half a million visitors each year.[4] Many of them are from outside Cuyahoga County and use the same routes that Cleveland drivers commute on every day.
Flooding is another factor for some drivers in the city. The Cuyahoga River has been a factor in major flood events, and heavy storms can leave standing water on low-lying roads. Drivers who park or commute near the river or lakefront should keep an eye on storm forecasts.
Cleveland’s average commute for workers is 23 minutes, which is about the same as Ohio’s average of 24 minutes. Nearly half of car accidents in Cuyahoga County happen in the afternoon during the travel home commute.
The trickiest driving in Cleveland happens where I-71, I-77, and I-90 funnel into the Innerbelt and cross the Cuyahoga River on the George V. Voinovich Bridge. I-90 alone logged 1,202 crashes in Cuyahoga County in 2024, the most of any route in the county.[3]
Mile Auto offers the most affordable auto insurance in Cleveland for teen drivers.
Teens have a higher accident rate than other age groups because of their relative lack of driving experience. Cuyahoga County reported 2,448 crashes involving teens ages 15–19 in 2024.[3]
The table below shows the cheapest liability rates for teen drivers in Cleveland.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $94 |
| Mile Auto | $97 |
| Erie | $105 |
| Progressive | $109 |
| GEICO | $114 |
| Auto-Owners | $115 |
| USAA | $116 |
| The General | $118 |
| Commonwealth Casualty | $118 |
| American Family | $130 |
| Safeco | $131 |
| Certainly | $134 |
| Hugo | $149 |
| Trexis | $149 |
| Root | $158 |
| Clearcover | $158 |
| GAINSCO | $159 |
| Trexis One | $162 |
| AssuranceAmerica | $162 |
| Elephant | $163 |
| First Acceptance | $166 |
| Bristol West | $171 |
| Direct Auto | $174 |
| Dairyland | $178 |
| Liberty Mutual | $196 |
| Allstate | $210 |
| National General | $212 |
| Travelers | $236 |
| Farmers | $236 |
| Insurify Car | $286 |
| State Auto | $392 |
Check quotes from 120+ top insurance companies
Ohio drivers ages 60–70 who pass a state-approved accident prevention course can qualify for a discount of 2%–15% on liability car insurance coverage.[5]
Mile Auto has the cheapest liability rates for senior drivers in Cleveland.
The table below shows the cheapest liability rates for senior drivers in Cleveland.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Mile Auto | $35 |
| State Farm | $35 |
| Erie | $41 |
| Auto-Owners | $42 |
| Progressive | $44 |
| GEICO | $46 |
| Commonwealth Casualty | $47 |
| USAA | $47 |
| The General | $51 |
| American Family | $51 |
| Safeco | $52 |
| Certainly | $54 |
| AssuranceAmerica | $57 |
| Hugo | $61 |
| Trexis | $61 |
| Trexis One | $66 |
| Elephant | $67 |
| First Acceptance | $67 |
| Direct Auto | $68 |
| GAINSCO | $71 |
| Bristol West | $74 |
| Clearcover | $78 |
| National General | $78 |
| Dairyland | $80 |
| Allstate | $80 |
| Travelers | $85 |
| Liberty Mutual | $86 |
| Farmers | $87 |
| Root | $87 |
| State Auto | $116 |
| Insurify Car | $116 |
You can get quick answers to the most common Cleveland auto insurance questions below.
Car insurance in Cleveland averages $114 per month, according to Insurify data. Liability-only insurance averages $79 per month, while full coverage averages $149 per month. Your actual rate depends on your driving history, vehicle, ZIP code, and more.
Mile Auto has the cheapest average auto insurance in Cleveland, at $44 per month for liability coverage, according to Insurify data. The cheapest Cleveland car insurance company depends on your driver profile.
Progressive is slightly cheaper than GEICO for liability-only coverage in Cleveland, at $59 per month versus $65. The two are tied at $118 per month for a full-coverage car insurance policy, according to Insurify data.
Ohio has fewer fatal crashes per mile driven than the national average, and total fatalities dropped 7% from 2023 to 2024.[6] Fewer severe crashes generally mean lower insurer payouts, which keeps rates affordable.
Common Cleveland discounts include safe driver, paperless billing, and bundling discounts when combining auto with renters insurance or homeowners insurance. Older drivers who complete an approved accident prevention course may also qualify for a discount.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
