Cheapest Auto Insurance in Cleveland, Ohio (2024)

Mile Auto offers the cheapest car insurance in Cleveland, with minimum-coverage policies as low as $44 per month.

Emily Guy Birken
Emily Guy Birken
  • Plutus Award winner

  • 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.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

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.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Updated May 23, 2024

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Cheapest recent rates near Cleveland, Ohio

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $42/mo for full coverage in Cleveland and other Ohio cities.

*Quotes generated for Insurify users in and around Cleveland, Ohio within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. 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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The Rock ’n’ Roll Capital of the World has a relatively high average insurance rate of $140 per month, partly thanks to its population density. Cleveland drivers can find the cheapest full-coverage rates from Mile Auto at $68, and the cheapest liability-only coverage from Mile Auto at $44.

But 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.

  • Operating a vehicle while intoxicated (OVI) in Ohio carries an automatic penalty of six points on your license.

3 of the cheapest 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 factors like your gender, marital status, ZIP code, driving history, and credit record 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 top auto insurers, including 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 $140 per month.

Insurance CompanyIQ Score
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.
Full CoverageLiability OnlyBest For
State Farm4.6$71$39Cheap rates
Auto-Owners4.3$83$45Optional coverages
Erie4.6$83$45Customer satisfaction
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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
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.
4.6
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.
$47/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.
$86/mo

Founded more than 100 years ago, State Farm the largest U.S. auto insurer by market share. It offers affordable rates and a variety of discounts and coverages.

Pros
  • High J.D. Power customer satisfaction ratings for the insurance-shopping process

  • Plenty of discounts

Cons
  • Can’t purchase a policy online – must work with a State Farm exclusive local agent

  • Customer service not available 24/7

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for optional coverages: Auto-Owners

Compare personalized, real-time quotes
IQ Score
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.
4.3
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.
$55/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.
$101/mo

Since its founding in 1916, Auto-Owners has offered affordable policies and generous discounts to its customers. It's a good choice for Cleveland drivers who want a to customize their coverages. In addition to liability and full coverage, Auto-owners offers options like accident forgiveness, gap coverage, MedPay, diminished value, and roadside assistance coverages.

Pros
  • Numerous optional coverages available

  • Plenty of discounts for customers

Cons
  • No online quotes available on the Auto-Owners site — must work with an independent agent

  • Lower mobile app rating than some competitors

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for customer satisfaction: Erie

Compare personalized, real-time quotes
IQ Score
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.
4.6
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.
$55/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.
$101/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 North Central region.

Pros
  • Allows you to lock in your premium with Erie Rate Lock

  • Accident forgiveness and diminishing deductibles available

Cons
  • Only 2.2 (out of 5) stars on Trustpilot

  • Usage-based insurance premiums not available

Read our Erie Insurance review
Lori - May 16, 2024
Verified

Great

The price for full coverage insurance is very good. You can't beat paying only $55 a month.

Rob - May 13, 2024
Verified

So far, beats the rest

Overall, excellent service.

Stephanie - May 13, 2024
Verified

Great if you don’t need them

I was with them for over a decade and they decided not to renew my policy because I used my roadside assistance twice a year.

How to get the cheapest car insurance in Cleveland

Insurers use more than a dozen rating 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.

You can pursue several other strategies to help reduce premiums:

Find Car Insurance in Cleveland, Ohio

Liability rates start at $44 per month

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Cheapest liability-only car insurance in Cleveland: Mile Auto

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 $88. The following companies have the cheapest liability-only car insurance in the northeast Ohio city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Monthly Quote
Mile Auto44
Hugo47
State Farm47
Auto-Owners55
Erie55
GEICO60
Safeco60
USAA61
American Family68
Midvale Home & Auto68
Clearcover69
Elephant71
Nationwide71
Progressive78
Commonwealth Casualty89
Liberty Mutual89
The General90
National General93
Dairyland95
Direct Auto103
Allstate105
GAINSCO106
CSAA110
Travelers113
Farmers116
State Auto130
Root135
Bristol West149
Foremost167
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: Mile Auto

On average, Cleveland drivers pay $191 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 car loan or a leased vehicle, your lender or leasing company will 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, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Monthly Quote
Mile Auto68
State Farm86
Safeco100
Auto-Owners101
Elephant101
Erie101
GEICO111
Clearcover112
USAA112
Midvale Home & Auto121
American Family125
Nationwide129
Progressive144
Hugo152
Liberty Mutual166
National General174
Direct Auto183
Allstate191
The General191
CSAA197
GAINSCO197
Root207
Travelers207
Farmers213
Commonwealth Casualty214
State Auto229
Dairyland254
Bristol West315
Foremost364
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.

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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]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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. Uninsured/underinsured motorist coverage will protect you if you get into an accident with a driver without sufficient insurance.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance will pay for the damage to your vehicle if you cause an accident with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance will pay to repair or replace your car if it’s damaged due to something other than an accident, including theft, vandalism, fire, severe weather, and cracked windshields.

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 OVIs. 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.

Shop for Car Insurance in Cleveland

Monthly rates start at $59 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

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 25% of Ohio traffic deaths in 2021 were speeding-related.[4]

The average cost of car insurance with a speeding ticket in Cleveland is $283 for full coverage and $130 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, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo4766
State Farm4762
Auto-Owners5573
Erie5574
GEICO6079
Safeco6081
USAA6181
American Family6890
Midvale Home & Auto6893
Clearcover6992
Elephant71103
Nationwide7195
Progressive78103
Commonwealth Casualty89130
Liberty Mutual89130
The General90120
National General93135
Dairyland95126
Direct Auto103138
Allstate105139
GAINSCO106154
CSAA110149
Travelers113151
Farmers116152
State Auto130186
Root135189
Bristol West149195
Foremost167243
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: Hugo

Having an at-fault accident on 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 non-renew your policy after an at-fault accident.

On average, Cleveland drivers pay $212 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, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyClean Driving RecordWith Accident
Hugo4763
State Farm4764
Auto-Owners5575
Erie5577
GEICO6083
Safeco6080
USAA6184
American Family6893
Midvale Home & Auto6898
Clearcover69101
Elephant7196
Nationwide7198
Progressive78109
Commonwealth Casualty89121
Liberty Mutual89133
The General90126
National General93127
Dairyland95130
Direct Auto103145
Allstate105144
GAINSCO106141
CSAA110158
Travelers113156
Farmers116158
State Auto130196
Root135196
Bristol West149201
Foremost167250
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 OVI: Hugo

Receiving an OVI citation will result in a fine and six points on your Ohio driver’s license.[5] In some cases, Cleveland drivers with an OVI will also see increased insurance premiums or even a loss of coverage.

Cleveland drivers with clean records pay an overall average of $140 per month for car insurance. Drivers with an OVI pay a monthly average of $240. This doesn’t mean you’re completely out of luck after an OVI. The following insurers offer the cheapest car insurance for drivers with an OVI in Cleveland:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyClean Driving RecordWith DUI
Hugo4780
State Farm4780
Auto-Owners5593
Erie5593
GEICO60102
Safeco60102
USAA61103
American Family68115
Midvale Home & Auto68115
Clearcover69117
Elephant71120
Nationwide71120
Progressive78132
Commonwealth Casualty89151
Liberty Mutual89151
The General90153
National General93158
Dairyland95161
Direct Auto103175
Allstate105178
GAINSCO106180
CSAA110187
Travelers113192
Farmers116197
State Auto130220
Root135229
Bristol West149253
Foremost167283
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 Long Does a DUI Stay On Your Record?

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors: Hugo

Insurance premiums are generally highest for the youngest drivers, although these rates usually decrease around age 25. Safe drivers can usually expect their rates to remain low for some time, but they tend to go up again around age 70. Senior drivers may experience age-related physical and cognitive changes that increase their risk of getting into an accident.

In Cleveland, senior drivers pay an overall average of $88 per month for car insurance. Older drivers may want to check out these insurers, as they have the cheapest car insurance for seniors in Cleveland.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyFull Coverage Liability Only
Mile Auto4630
State Farm5932
Erie6736
Auto-Owners7139
Elephant7150
Safeco7243
GEICO7943
Clearcover8049
USAA8043
Midvale Home & Auto8246
Nationwide8647
American Family8747
Progressive9149
Hugo9630
Liberty Mutual11763
Direct Auto12571
National General12567
Allstate13775
CSAA13877
The General14066
GAINSCO14477
Travelers14579
Farmers14880
Commonwealth Casualty15163
Root153100
State Auto15789
Dairyland18268
Bristol West226107
Foremost253116
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: State Farm

Teenage drivers lack experience behind the wheel and tend to take bigger risks than older drivers, making them more likely to cause accidents and 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:

Teen drivers with their own policies in Cleveland pay an overall average of $235 per month for car insurance. Here are the cheapest car insurance companies for teen drivers in Cleveland:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyFull Coverage Liability Only
State Farm14479
Elephant165116
Erie16891
Auto-Owners17293
GEICO17293
USAA183100
Safeco207124
Midvale Home & Auto208117
Clearcover215132
American Family216118
Nationwide217120
Progressive257139
Hugo26281
Liberty Mutual305164
The General305144
Root312204
CSAA319178
National General320171
Allstate330181
Direct Auto330186
GAINSCO348187
Travelers368201
Farmers370202
Commonwealth Casualty375156
State Auto400227
Dairyland420157
Bristol West529250
Foremost636292
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.

Find Cheap Car Insurance in Cleveland, Ohio

Find savings and unlock discounts by comparing multiple quotes

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Based on 3,806+ reviews
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Cleveland car insurance quotes by credit tier

In most U.S. states, including Ohio, auto insurance companies are legally allowed to use your credit history when determining your insurance rates.[6] Insurers charge drivers with good or excellent credit cheaper premiums than drivers with fair or poor credit.

Here’s how much of a difference your credit tier 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 similar rates for car insurance than the national average. The average cost of a liability-only policy in Cleveland is $85 per month, while full-coverage costs an average of $183 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] High accident frequency and severity, and higher vehicle theft and vandalism rates also contribute to higher insurance costs.

More cities in Ohio

See how rates in Cleveland compare to some other Ohio cities in the table below.

CityFull CoverageLiability Only
Canton$148$71
Cincinnati$183$85
Columbus $192$89
Dayton$172$76
Hamilton$168$82
Toledo$199$91
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 $140 per month, on average. Drivers pay an average of $191 per month for full-coverage car insurance and $88 per month for liability coverage. Your exact rate will depend on your driving record, age, credit history, vehicle type, coverage level, and more.

  • Which company has the cheapest car insurance in Cleveland?

    Mile Auto has the cheapest car insurance in Cleveland, with monthly liability rates as low as $44. Hugo and State Farm also offer affordable coverage, with respective monthly liability rates of $47 and $47.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Cleveland?

    With an Insurify Quality (IQ) Score of 4.6 out of 5 and an AM Best financial strength rating of A++ (Superior), the highest level possible, 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 overall average cost of car insurance per month in Ohio is $115. Drivers pay $72 monthly for liability coverage and $157 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.

Sources

  1. Ohio Department of Insurance. "Comparative Negligence."
  2. Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
  3. Ohio Department of Insurance. "Automobile Insurance Guide."
  4. National Highway Traffic Safety Administration. "Traffic Safety Facts 2021 Data."
  5. Ohio Bureau of Motor Vehicles. "Suspensions & Reinstatements."
  6. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
  7. National Weather Service. "NWS Cleveland Local Weather Event Summaries."
Emily Guy Birken
Emily Guy Birken

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.

Emily lives in Milwaukee with her family.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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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