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Cheap Auto Insurance Quotes in Cleveland, OH (2023)

Travelers, Mile One, and Certainly offer the cheapest rates for full-coverage car insurance in Cleveland.

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John Egan
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John Egan
John Egan
Written by
John Egan
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
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Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated December 21, 2022

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]

Insurance CompanyLiability OnlyFull Coverage
Mile Auto$60$85
Travelers$71$96
Safeco$78$121
State Auto$79$163
National General$82$102
Progressive$82$116
Midvale Home & Auto$87$150
Commonwealth Casualty$95$165
Certainly$102$108
Clearcover$102$118
SafeAuto$104$180
Elephant$109$114
Nationwide$110$153
Kemper Specialty$113$152
Liberty Mutual$125$168
GAINSCO$132$156
Direct Auto$135$136
Hugo$135$241
The General$140$203
Kemper$164$304
Dairyland$186$299
Bristol West$223$271
Kemper PreferredN/A$121
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.

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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]

Age GroupAverage Monthly Rate
Teenagers$333
Under 25$225
25–29$173
30s$152
40s$143
50s$121
60s$116
70s$122
80+$131
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.

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.

Insurance CompanyAverage Monthly Quote
Mile Auto$101
Travelers$103
National General$126
Elephant$130
Clearcover$151
Certainly$153
Safeco$155
Nationwide$158
Progressive$174
Kemper Specialty$181
Midvale Home & Auto$188
SafeAuto$191
Direct Auto$194
Commonwealth Casualty$197
GAINSCO$201
State Auto$201
Liberty Mutual$229
The General$243
Hugo$296
Bristol West$316
Kemper$316
Dairyland$366
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.

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.

Insurance CompanyAverage Monthly Quote
Mile Auto$60
National General$79
Travelers$85
Progressive$99
Elephant$105
Kemper$105
Clearcover$106
Certainly$108
Safeco$111
Direct Auto$112
Midvale Home & Auto$112
Nationwide$115
Commonwealth Casualty$124
SafeAuto$126
GAINSCO$127
Liberty Mutual$140
State Auto$144
The General$147
Hugo$183
Bristol West$195
Dairyland$265
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.

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.

Insurance CompanyAverage Monthly Quote
Mile Auto$49
National General$54
Elephant$82
Travelers$85
Clearcover$94
Midvale Home & Auto$97
Progressive$97
Safeco$98
Direct Auto$102
Nationwide$102
Certainly$110
GAINSCO$110
Liberty Mutual$112
Kemper Specialty$113
Commonwealth Casualty$114
State Auto$119
SafeAuto$126
The General$129
Bristol West$164
Kemper$210
Dairyland$223
Dairyland$265
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.

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.

Credit TierAverage Monthly Quote
Average$173
Excellent$140
Good$166
Poor$183
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.

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.

Car Insurance CompanyClean RecordWith AccidentDifference
Travelers$84$89+$5
Certainly$120$105-$15
Nationwide$118$122+$4
Mile Auto$70$124+$54
Grange$80$125+$45
Kemper$88$126+$38
Elephant$104$128+$24
Foremost Signature$111$129+$18
Safeco$106$140+$34
National General$83$153+$70
Clearcover$107$154+$47
GAINSCO$151$170+$19
Liberty Mutual$153$187+$34
Midvale Home & Auto$114$188+$74
Progressive$112$194+$82
Commonwealth Casualty$130$213+$83
SafeAuto$129$224+$95
State Auto$119$227+$108
Direct Auto$120$232+$112
Hugo$228$253+$25
The General$158$281+$123
Bristol West$212$313+$101
Dairyland$273$374+$101
Acuity$147$478+$331
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.

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. 

Car Insurance CompanyClean RecordWith DUIDifference
Kemper$124$135+$11
Direct Auto$120$221+$101
The General$158$241+$83
Commonwealth Casualty$130$252+$122
Dairyland$273$311+$38
Bristol West$212$314+$102
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.

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 CompanyClean RecordWith Speeding TicketDifference
Mile Auto$70$96+$26
Travelers$84$111+$27
Elephant$104$129+$25
National General$83$131+$48
Clearcover$107$147+$40
Safeco$106$150+$44
Kemper$124$162+$38
GAINSCO$151$166+$15
Midvale Home & Auto$114$177+$63
Commonwealth Casualty$130$191+$61
Liberty Mutual$153$192+$39
State Auto$119$199+$80
SafeAuto$129$207+$78
Direct Auto$120$211+$91
The General$158$251+$93
Bristol West$212$299+$87
Hugo$228$323+$95
Dairyland$273$362+$89
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.

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:

Find local Cleveland agents

  • The Brooks & Stafford Company 

    55 Public Sq Ste 1650,
    Cleveland, OH 44113
  • Brainard Insurance Agency Inc. 

    5420 Mayfield Rd STE 102,
    Cleveland, OH 44124-2934
  • Kutash & Associates Insurance Agency 

    2121 S Green Rd Ste 201,
    Cleveland, OH 44121-3318
  • Evarts Tremaine 

    1111 Superior Ave,
    Ste 420, Cleveland, OH 44114
  • A & A Action Auto Insurance LLC 

    3421 Prospect Ave,
    Cleveland, OH 44115
  • United Agencies, Inc. 

    1422 Euclid Ave Ste 510,
    Cleveland, OH 44115-2001
  • InsureCLE.com by Nagashima Pavarini Ltd 

    2012 W 25th St Ste 501,
    Cleveland, OH 44113-4131
  • Management Solutions LLC 

    200 Public Square Ste 3210,
    Cleveland, OH 44114-2316
  • Furlong & Company Insurance Agency Inc. 

    569 E 185th St,
    Cleveland, OH 44119-1699
  • J. B. Oswald Co. dba Oswald Companies 

    1100 Superior Ave E Ste 1500,
    Cleveland, OH 44114-2544
View more

Cleveland car insurance rates FAQs

Still looking to learn more about car insurance in the city that’s home to the Rock and Roll Hall of Fame? Here are answers to some commonly asked questions about Cleveland car insurance.

  • Car insurance in Cleveland costs an average of $145 a month, which is just $1 below the statewide average of $146 but slightly above the nationwide average of $121.

  • Travelers (average of $101 a month) and Mile Auto (average of $102 a month) are the two cheapest options for full-coverage insurance in Cleveland. They’re also the two cheapest options for liability-only coverage, with Mile Auto at $60 a month and Travelers at $71 a month.

  • While the average driver in Cleveland pays $145 a month for car insurance, the cost can vary based on the insurance company, the types of coverage, and various other factors.

Compare Car Insurance Quotes Instantly

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Data Commons. "Cuyahoga County." Accessed December 19, 2022
  2. Ohio Bureau of Motor Vehicles. "DETAILED STATEMENT OF MOTOR VEHICLE REGISTRATIONS FOR YEAR 2020." Accessed December 19, 2022
  3. III. "What determines the price of an auto insurance policy?." Accessed December 19, 2022
  4. Ohio Department of Insurance. "Ohio’s Minimum Coverage Requirements for Auto Insurance." Accessed December 19, 2022
  5. Ohio Department of Insurance. "Ohio Heads into Peak Time for Deer-Related Crashes." Accessed December 19, 2022
  6. III. "What is covered by collision and comprehensive auto insurance?." Accessed December 19, 2022
  7. III. "Nine ways to lower your auto insurance costs." Accessed December 19, 2022
  8. Iihs.org. "Older drivers." Accessed December 19, 2022
  9. III. "Senior driving safety and insurance tips." Accessed December 19, 2022
  10. NAIC. "Credit-Based Insurance Scores." Accessed December 19, 2022
  11. Ohio Department of Insurance. "How Credit Information Can Impact Insurance Premium Amounts." Accessed December 19, 2022
  12. United Policyholders. "Credit Scoring in Insurance: An Unfair Practice." Accessed December 19, 2022
  13. FICO. "What is a Credit Score?." Accessed December 19, 2022
  14. III. "Do auto insurance premiums go up after a claim?." Accessed December 19, 2022
John Egan
Written by
John Egan
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John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.