Cheap Auto Insurance Quotes in Cleveland, OH (2023)

Only 360,000 people live in Cleveland, Ohio, but the greater Cleveland area is home to 1.2 million people.^[1] In Cuyahoga County, where Cleveland is located, more than 800,000 passenger cars are registered.^[2] 

Drivers in Cleveland must buy a minimum amount of liability coverage to meet state requirements. Fortunately, minimum-coverage car insurance in Cleveland costs an average of $109 a month — $37 less than the Ohio average of $146.

How much does car insurance cost in Cleveland?

Insurance costs in Cleveland can vary based on factors such as a motorist’s driving record, claim history, age, gender, and location.^[3] Insurify data scientists analyzed the latest insurance rates in Cleveland to identify the cheapest quotes in the area.

Average monthly quotes for liability-only coverage ranged from $60 to $384, Insurify data shows. For full-coverage insurance, average monthly quotes ranged from $60 to $223. Average monthly quotes for new/young drivers ranged from $103 to $316.

• The cheapest liability-only insurance in Cleveland is Mile Auto, at $60 a month.

• The cheapest full-coverage insurance in Cleveland is Travelers, at $101 a month.

• The cheapest insurance for new/young drivers in Cleveland is Mile Auto, at $101 a month.

Learn More: Cheap Car Insurance Quotes in Ohio

Cheapest car insurance in Cleveland: Mile Auto

At $60 a month, Mile Auto offers the lowest average monthly quote for liability-only insurance. Travelers offers the cheapest full-coverage car insurance in Cleveland at $101 a month. Factors that contribute to these quotes include location, age, gender, and the type of car you drive.^[3]

How much car insurance do you need in Cleveland?

Ohio requires all motor vehicles operated or parked on state roads to be insured. You’ll need to carry proof of insurance in your car at all times and have it available when:

• You’ve been asked by a law enforcement officer to show it

• You’re registering your vehicle and getting it inspected

• You’ve been involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Ohio are:

• $25,000 per person and $50,000 per accident in bodily injury liability: This pays for medical bills and other costs related to injuries that you or another person driving your car causes to other drivers or passengers.

• $25,000 for property damage liability: This pays for damage you or someone you let drive your car causes to someone else’s property, including a car, building, utility pole, or fence.^[4]

Dominic Frey, an independent insurance agent in Findlay, Ohio, suggests looking into comprehensive coverage, which is not mandated by state law,^[4] because of the high likelihood of a run-in between a car and a deer. Since 2017, more than 100,000 deer-related crashes have happened on Ohio roadways.^[5]

“Comprehensive coverage on your vehicle provides coverage if you’re in an accident with a deer. In our state, deer claims are very common,” Frey says. “You can select a deductible option that works for you and can add this coverage without collision.”

Comprehensive coverage pays for noncollision damage to your car caused by:

• Run-ins with deer and other animals

• Natural disasters, such as floods, tornadoes, earthquakes, and hurricanes

• Fire

• Riots

• Vandalism

• Fallen objects like tree branches

• Theft of the car or car parts

Collision coverage pays for vehicle damage arising from a collision with another car or an object, such as a guardrail or utility pole. It also covers damage from a vehicle rollover.^[6]

Ohio DMV information

The Ohio Bureau of Motor Vehicles (BMV) handles licensing and registration. It also deals with license suspensions and reinstatements. For more information, visit BMV.Ohio.gov.

Tips for getting cheap car insurance in Cleveland

You have a number of ways to get cheap car insurance in Cleveland, such as:

• Raise your deductible. Boosting your deductible from $500 to $1,000, for example, could lower your car insurance premium. However, higher deductibles mean you have to pay more out of pocket when filing a claim.

• Bundle your coverage. You may score a lower premium if you insure your car and your home with the same company. This tactic is known as bundling.

• Use discounts. A car insurer might offer discounts for going accident and ticket free for a certain period or for completing a defensive driving course.

• Compare quotes. The Insurance Information Institute recommends getting car insurance quotes from at least three insurers and comparing those quotes based on price and coverage needs.^[7]

How age affects car insurance rates in Cleveland

Generally, more experienced drivers pay less for car insurance than less experienced drivers — particularly teenagers. Drivers with more experience tend to get into fewer accidents, so they’re less of a risk to insure than their less-experienced counterparts.^[3]

However, drivers 70 and above may see their rates go up compared with younger age groups because 70-and-over drivers have a higher rate of fatal crashes than middle-aged drivers do.^[8]

Cheapest car insurance for young drivers in Cleveland

At an average of $67 a month, Mile Auto offers the cheapest car insurance for young drivers in Cleveland. Young drivers may be able to lower their insurance premiums by maintaining good grades to qualify for a good student discount.^[7]

Below, you’ll see the average monthly quotes for full-coverage policies for young drivers in Cleveland.

Cheapest car insurance for middle-aged drivers in Cleveland

At an average of $101 a month, Mile Auto offers the cheapest car insurance for middle-aged drivers in Cleveland. Middle-aged drivers might consider shopping around and bundling their car and homeowners insurance with the same company as a couple of ways to slash their insurance costs.^[7]

Below is a table showing average monthly quotes for full-coverage policies for middle-aged drivers in Cleveland.

Cheapest car insurance for senior drivers in Cleveland

At an average of $49 a month, Mile Auto offers the cheapest car insurance for senior drivers in Cleveland. Senior drivers should consider enrolling in a defensive driving course and bundling their car and homeowners insurance with the same company to reduce their insurance premium costs.^[9]

The table below shows average monthly quotes for full-coverage policies for senior drivers in Cleveland.

How credit scores affect cheap car insurance in Cleveland

Your credit history can play a part in how much you pay for car insurance.

Some insurers use what’s known as a credit-based insurance score when they consider your application and set your rates.^[10] This score helps predict how likely a motorist is to file a car insurance claim. A traditional credit score, on the other hand, examines several factors to forecast how likely a consumer is to repay a loan or a line of credit.

Most, but not all, states allow insurers to rely on credit-based insurance scores. Ohio allows insurers to use credit-based insurance scores, but not as the sole factor in the process of approving an application and setting rates.

Generally, a credit-based insurance score consists of five factors: payment history, outstanding debt, length of credit history, mix of credit types, and recent applications for new credit.^[11]

United Policyholders, an advocacy group for insurance consumers, says that all other things being equal, someone with the “worst” credit score might pay two, three, or four times more for a policy than someone with the “best” credit score.^[12]

The table below shows average monthly quotes for full-coverage insurance for motorists in Cleveland based on their credit.

FICO produces widely used credit scores that generally range from 300 to 850. A FICO score of 800 and above is considered exceptional, a score of 740 to 799 is considered very good, a score of 670 to 739 is considered good, 580 to 669 is considered fair, and a score of 579 and under is considered poor.^[13]

Read More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Cleveland

If you live in Cleveland, good driving habits might decrease your car insurance premium, but bad driving habits might increase your premium in turn.

Here are the Cleveland insurers that offer the cheapest car insurance with an accident, with a DUI, and with a speeding ticket.

Cheapest car insurance with an at-fault accident in Cleveland: Travelers

If you rack up a history of accidents and serious traffic violations, you’ll almost certainly pay more for car insurance than someone with a clean driving record.^[3] But even with an at-fault accident on your record, it’s still possible to find cheap Cleveland car insurance rates. For example, Travelers and Certainly offer the lowest quotes for drivers with accidents on their records, at $89 and $105 a month on average, respectively.

Cheapest car insurance with a DUI in Cleveland: Kemper

Driving under the influence (DUI) is a serious offense that can impact your car insurance rates, increasing them upon renewal. It’s possible for your car insurance company to reject renewing your policy altogether if you have one too many DUIs on your driving record.^[14] 

Insurify’s data found that the cheapest car insurance quotes for Cleveland drivers with DUIs were from Kemper, at an average of $135 a month. The next-cheapest quote is almost $100 more, from Direct Auto, at $221 a month on average. It’s important to shop with multiple car insurance companies, especially if you have marks against your driving record, to find the best quote for the coverage you need. 

Cheapest car insurance with a speeding ticket in Cleveland: Mile Auto

Like DUIs and at-fault accidents, speeding tickets can increase your car insurance rates in Cleveland.^[3] Although Mile Auto is a pay-per-mile car insurance company, it offers the cheapest quotes for Cleveland drivers with a speeding ticket, at $96 a month on average. If you don’t believe a pay-per-mile policy is right for you, then a more traditional car insurance company like Travelers may be your best bet, at $111 a month on average.

Car insurance in other Ohio cities

Car insurance rates can vary widely between locations, including among cities in the same state. Check out insurance rates in some other Ohio cities:

• Cheapest Car Insurance in Columbus, OH

• Cheapest Car Insurance in Cincinnati, OH

• Cheapest Car Insurance in Youngstown, OH

• Cheapest Car Insurance in Kent, OH

• Cheapest Car Insurance in Grove City, OH

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