Best Cheap Auto Insurance in Cleveland, Ohio (2024)

Mile Auto offers the cheapest car insurance in Cleveland, with minimum-coverage policies as low as $48 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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Konstantin Halachev
Data reviewed byKonstantin Halachev
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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.

Updated March 14, 2024

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The Rock ’n’ Roll Capital of the World has a relatively high average insurance rate of $137 per month, partly thanks to its population density. Cleveland drivers can expect the cheapest full-average rates from Mile Auto at $72, and the cheapest liability-only coverage from Mile Auto at $48.

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.

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.
4.4
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.
$49/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.
$89/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 am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

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.
4.1
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.
$58/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.
$104/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.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

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.
4.4
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.
$104/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.

linda - August 9, 2023
Verified

I have been with Erie for 73 years. No problems!.

William - July 17, 2023
Verified

My agent was always there for me.

Dinah - December 4, 2022
Verified
Read our Erie Insurance review
Top 10 Cheapest Car Insurance Companies for March 2024

Top 10 Cheapest Car Insurance Companies for March 2024

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 $85. The following companies have the cheapest liability-only car insurance in the city.

The below rates are estimated rates current as of: Thursday, March 14 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 Auto48
State Farm49
Hugo50
Erie57
Auto-Owners58
Safeco58
GEICO63
USAA63
Clearcover65
American Family70
Midvale Home & Auto72
Elephant73
Nationwide73
Progressive80
Commonwealth Casualty87
Liberty Mutual92
National General94
The General96
GAINSCO101
Dairyland103
Allstate108
Direct Auto109
State Auto114
CSAA116
Travelers117
Farmers121
Bristol West163
Foremost171
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 $188 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, March 14 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 Auto72
State Farm89
Clearcover103
Elephant103
Auto-Owners104
Erie104
Safeco106
GEICO113
USAA116
Nationwide117
Midvale Home & Auto123
American Family128
Hugo140
Progressive147
Travelers155
Direct Auto168
Liberty Mutual168
GAINSCO185
National General190
The General195
Allstate196
CSAA202
Commonwealth Casualty202
Farmers219
State Auto231
Dairyland264
Bristol West323
Foremost336
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 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:

  • 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. This 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

    This kind of insurance will pay for the damage to your vehicle if you cause an accident.

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

    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 $275 for full coverage and $124 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, March 14 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 Quote: Full Coverage Average Quote: Liability Only
Mile Auto10771
State Farm11463
Elephant13596
Auto-Owners13978
Clearcover14592
GEICO14782
Erie14881
Safeco15183
USAA15182
Nationwide15496
American Family16993
Progressive199108
Hugo20071
Travelers205155
Direct Auto227147
GAINSCO235129
Liberty Mutual235129
National General249123
Allstate255141
Commonwealth Casualty256110
The General263129
CSAA273157
Farmers286158
Dairyland355139
Bristol West428216
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 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 drop you after an at-fault accident.

On average, Cleveland drivers pay $206 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, March 14 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 Quote: Full Coverage Average Quote: Liability Only
Mile Auto11275
State Farm12066
Elephant142101
Auto-Owners14480
Erie15284
GEICO15486
Safeco15887
USAA15886
Nationwide161100
Clearcover166105
American Family17696
Hugo19168
Progressive209114
Travelers214162
Direct Auto238154
Liberty Mutual246135
GAINSCO248136
National General264130
Allstate267147
The General275135
Commonwealth Casualty278120
CSAA290167
Farmers299165
State Auto345170
Dairyland368144
Bristol West440222
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 $137 per month for car insurance. Those with a DUI pay a monthly average of $233. 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, March 14 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 Quote: Full Coverage Average Quote: Liability Only
Mile Auto11778
State Farm14580
Erie15484
Clearcover167106
Elephant167119
Auto-Owners16994
Safeco17294
GEICO184102
USAA189102
Nationwide190119
American Family208114
Hugo21476
Progressive239130
Travelers252190
Direct Auto273177
Liberty Mutual273150
Commonwealth Casualty297128
GAINSCO301164
National General309153
The General317156
Allstate319176
CSAA328189
Farmers356197
State Auto375185
Dairyland429167
Bristol West525265
Foremost546278
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

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 $83 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, March 14 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 Quote: Full Coverage Average Quote: Liability Only
Mile Auto3825
State Farm4123
Erie4726
Auto-Owners5028
Nationwide5232
Elephant5438
GEICO5732
Progressive5932
American Family6133
USAA6133
Safeco6536
Clearcover7950
Travelers7960
Direct Auto8555
Liberty Mutual8949
Allstate10256
Farmers10759
GAINSCO11261
National General11557
The General11657
Commonwealth Casualty11951
Dairyland14858
Bristol West17488
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:

Teen drivers with their own policies in Cleveland pay an overall average of $222 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, March 14 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 Quote: Full Coverage Average Quote: Liability Only
Mile Auto13691
State Farm15083
Elephant168119
Auto-Owners17195
GEICO17598
Clearcover182115
Erie187103
Safeco187102
USAA189102
Nationwide197123
American Family215117
Hugo24889
Progressive259141
Travelers275208
Liberty Mutual280153
Direct Auto303196
The General307151
GAINSCO328179
CSAA334192
Allstate339187
Commonwealth Casualty350151
National General358177
Farmers376208
State Auto408201
Dairyland422165
Bristol West529267
Foremost593302
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:

Find Cheap Car Insurance in Cleveland, Ohio

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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 score 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 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 $174 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.

CityAverage Monthly QuoteCompared to Cleveland
Akron$221-4%
Canton$186-20%
Cincinnati$2310%
Dayton$202-12%
Hamilton$2352%
Toledo$25310%
Youngstown$218-6%
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 $137 per month on average. Drivers pay an average of $188 per month for full-coverage car insurance and $85 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.

Sources

  1. Ohio Department of Insurance. "Comparative Negligence." Accessed August 11, 2023
  2. Ohio Bureau of Motor Vehicles. "Mandatory Insurance." Accessed August 11, 2023
  3. Ohio Department of Insurance. "Automobile Insurance Guide." Accessed August 11, 2023
  4. National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed August 11, 2023
  5. Ohio Bureau of Motor Vehicles. "Suspensions & Reinstatements." Accessed August 11, 2023
  6. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed August 11, 2023
  7. National Weather Service. "NWS Cleveland Local Weather Event Summaries." Accessed August 11, 2023
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
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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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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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