12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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The Rock ’n’ Roll Capital of the World has a relatively high average insurance rate of $131 per month, partly thanks to its population density. Cleveland drivers can expect the cheapest full-average rates from Mile Auto at $71, and the cheapest liability-only coverage from Mile Auto at $49.
However, you should always compare car insurance quotes from multiple companies before buying a policy. The best option for your needs will depend on your age, marital status, driving history, coverage needs, and various other factors.
Quick Facts
Ohio is an at-fault state with a 51% modified comparative fault rule, which may limit your ability to sue for damages following an accident.
Cleveland ties with Cincinnati for the third-highest insurance costs among eight major cities in the Buckeye State.
A DUI citation in Ohio carries an automatic penalty of six points on your license.
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Best car insurance companies in Cleveland
Finding the best rate for car insurance in Cleveland will depend on several factors since every insurer uses different criteria to determine car insurance rates. An insurer may include things like your gender, marital status, ZIP code, driving history, and credit score to calculate your rates. And the weight of each of these factors often varies from one insurer to the next.
Cleveland drivers should start comparison shopping with State Farm, Auto-Owners, and Erie. Each one of these companies offers distinct benefits to their customers while also charging a lower average monthly rate than the Cleveland average of $182 per month.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$85/mo
Founded more than 100 years ago, State Farm is one of the largest auto insurance companies in the U.S. by market share. It offers affordable rates and a variety of discounts and coverages.
Pros
High customer satisfaction ratings for the insurance-shopping process
Plenty of available discounts
Cons
Can’t purchase a policy online
Customer service not available 24/7
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$57/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.
$100/mo
Since its founding in 1916, Auto-Owners has offered affordable policies and generous discounts to its customers.
Pros
Plenty of discounts for customers
Offers at-fault accident forgiveness
Cons
No online quotes available on the Auto-Owners site — must work with an agent
Lower mobile app rating than other insurers
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$57/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.
$100/mo
Erie has excellent customer service, as showcased by J.D. Power’s 2023 U.S. Auto Insurance Study, which ranks the insurer among the best for customer satisfaction in the Southeast region.
Pros
Allows you to lock in your premium with Erie Rate Lock
Accident forgiveness and diminishing deductibles available
Cons
Several complaints about Erie on the Better Business Bureau website
Usage-based insurance premiums not available
Over the years, they have always gone over and above what I would have expected. They are fair and prompt in customer service issues. They have always tailored my policy to meet my needs at a very fair price.
Cheapest liability-only car insurance in Cleveland
Liability car insurance pays to repair or replace the other party’s damaged vehicle and associated medical costs. If you damage your car in an accident, your liability-only coverage won’t pay to repair or replace it.
The average cost of liability-only car insurance in Cleveland is $83. The following companies have the cheapest liability-only car insurance in the city.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Cleveland
On average, Cleveland drivers pay $180 for full coverage.
Full-coverage car insurance is good for drivers who need more protection since it includes collision and comprehensive coverages. Collision coverage pays to repair or replace your vehicle if it’s damaged in an accident you caused. Comprehensive coverage pays to repair or replace your vehicle after something other than an accident damages your car, such as severe weather, theft, vandalism, or flooding.
If you have a leased vehicle, your lender will probably require you to carry full-coverage insurance. The following insurers offer the cheapest full-coverage car insurance in Cleveland:
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Ohio
Ohio is an at-fault state for auto insurance. Under this kind of insurance rule, the driver who caused the accident must pay for the other party’s damages, usually through their insurer.
In addition, Ohio’s 51% modified comparative fault rule means that someone who is more than 50% responsible for causing an accident can’t sue any other party for damages.[1]
All Ohio drivers are legally required to carry minimum liability insurance in the following amounts for bodily injury and property damage liability coverage:[2]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person and $50,000 per accident
Property damage liability
$25,000 per accident
These are relatively low coverage minimums. If you want more protection, consider increasing your liability limits and carrying the following optional coverages:
Uninsured/underinsured motorist coverage
The Ohio government estimates that as many as 15% of drivers in the Buckeye State have no auto insurance.[3] Many others only carry the legal minimum, which may not be enough coverage if they cause an accident. This coverage will protect you if you get into an accident with a driver without sufficient insurance.
Collision coverage
This kind of insurance will pay for the damage to your vehicle if you cause an accident.
Comprehensive coverage
This insurance will pay to repair or replace your car if it’s damaged due to something other than an accident.
Cheapest car insurance for drivers with an incident
Finding the cheapest car insurance after an incident can be challenging. Common incidents include speeding tickets, at-fault accidents, and DUIs. Even one incident on your driving record could cause your insurer to increase your premiums or even refuse to continue your coverage.
Having one or more incidents on your record doesn’t necessarily mean you’re stuck paying more than you can afford. Plenty of insurers still offer rates for drivers with blemishes on their driving history. Here’s how you can find the cheapest car insurance after an incident in Cleveland.
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Cheapest car insurance for drivers with a speeding ticket
Even a single speeding ticket can increase your car insurance premiums. Insurers take this infraction seriously because of how dangerous excess speed can be. The National Highway Traffic Safety Administration found that 28% of Ohio traffic deaths in 2020 were speeding-related.[4]
The average cost of car insurance with a speeding ticket in Cleveland is $258 for full coverage and $119 for liability only. If you have a citation for driving over the speed limit, you’ll find the cheapest car insurance in Cleveland from these companies:
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
Having an at-fault accidenton your driving record will often cause your insurer to raise your rates since the underwriters may now consider you to be a higher risk. Depending on the severity and circumstances of the accident and your driving history, your insurer may even drop you after an at-fault accident.
On average, Cleveland drivers pay $194 for car insurance after an accident. The following insurers have the cheapest car insurance for drivers with an at-fault accident in Cleveland:
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Receiving a citation for DUI (which in Ohio is called “operating a vehicle under the influence” or OVI) will result in a fine and six points on your Ohio driver’s license.[5] In some cases, Cleveland drivers with a DUI will also see increased insurance premiums or even a loss of coverage.
Cleveland drivers with clean records pay an overall average of $131 per month for car insurance. Those with a DUI pay a monthly average of $220. This doesn’t mean you’re completely out of luck after a DUI. The following insurers offer the cheapest car insurance for drivers with a DUI in Cleveland:
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurance premiums are generally highest for the youngest drivers, although these rates usually decrease around age 35. Safe drivers can usually expect their rates to remain low for some time, but they tend to go up again around age 75 since senior drivers often see their reflexes and response times slowing, in addition to other declines that affect their driving skills.
In Cleveland, senior drivers pay an overall average of $80 per month for car insurance. Older drivers may want to check out these insurers, as they tend to have the cheapest car insurance for seniors in Cleveland.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenage drivers lack experience behind the wheel and tend to take bigger risks than older drivers, making them more likely to file claims. Insurers understand this and charge their highest rates to teen drivers to account for that risk.
Here are some ways teens and their parents can help keep their premiums affordable:
Stay on their parents’ insurance policy. Though teen drivers can get their own insurance policy, staying on a parent or guardian’s policy will be far less expensive.
Do well in school. Many insurance companies offer good student discounts to teen drivers who maintain a certain GPA.
Teen drivers with their own policies in Cleveland pay an overall average of $217 per month for car insurance. Here are the cheapest car insurance companies for teen drivers in Cleveland, OH:
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Cleveland
Insurers use a number of factors to determine your premium, including your driving history, age, marital status, credit score, and ZIP code. Drivers will have to shop around and compare quotes to find the cheapest car insurance in Cleveland since the underwriting process varies from one company to the next.
Drivers can pursue several other strategies to help reduce premiums:
Drive safely. The most effective way to keep your insurance costs low is to maintain a clean driving record. Taking a defensive driving course may help you learn important skills if you need help.
Adjust your coverage. Don’t carry more coverage than you need. Considerincreasing your deductible, dropping collision or comprehensive coverage, or decreasing your liability amounts.
Here’s how much of a difference your credit score may make on your auto insurance quotes in Cleveland:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Cleveland?
Cleveland drivers pay more for car insurance than the national average. The average cost of a liability-only policy in Cleveland is $82 per month, while full-coverage costs an average of $168 per month. For comparison, the national average cost is $106 per month for liability-only coverage and $172 per month for full coverage.
Insurance costs can vary quite a bit from one state to another, from one city to the next, and even within a city. That’s because insurance companies use factors like geographic location, population density, crime statistics, weather, and demographics to determine premium prices.
For example, Cleveland often experiences lake-effect snow during the winter months, making it more likely that drivers will have to deal with the risks of significant snow and ice storms.[7]
More cities in Ohio
Of the eight cities included in Insurify’s Ohio insurance data, Cleveland is on par with Cincinnati for the average monthly cost of insurance. Hamilton and Toledo drivers are the only Ohioans who pay a higher monthly average.
The least expensive average full-coverage quote can be found in Canton, Ohio, at $186 per month.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cleveland car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Cleveland.
How much is car insurance in Cleveland?
Car insurance in Cleveland costs $131 per month on average. Drivers pay an average of $180 per month for full-coverage car insurance and $83 per month for liability coverage. Your exact rate will depend on your driving record, age, credit history, vehicle type, coverage level, and more.
What are the best car insurance companies in Cleveland?
With an Insurify Quality (IQ) Score of 4.4 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Cleveland. Of the insurers Insurify has rate data for, other top Cleveland insurers include Auto-Owners and Erie.
How much is car insurance per month in Ohio?
The average cost of car insurance per month in Ohio is $164 per month. Drivers pay $121 monthly for liability coverage and $206 monthly for full coverage on average.
Is Ohio a no-fault state?
No. Ohio is an at-fault state for car insurance. This means that the driver responsible for the accident must turn to their own insurance company to pay for damages and injuries.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
State Farm
Auto-Owners
Erie Insurance
