Cheap Auto Insurance Quotes in Cleveland, OH (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Though not everyone drives in Ohio, most of those living in Cleveland do. With more than four million vehicles registered in this state, Ohio is a place where having a good auto insurance plan should be at the top of every driver’s to-do list.

With all the pedestrians, cyclists, and other vehicles to watch out for, drivers here know that following the rules of the road is crucial to staying accident-free. What else is important for keeping you and your family protected? An auto insurance plan that keeps you covered at the most affordable rate.

Car Insurance in Cleveland, OH

The average cost of Ohio car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Cleveland, OH to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Cleveland, OH

Here are the cheapest carriers in Cleveland for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Cleveland, OH

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Cleveland. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Cleveland, OH Driving Facts

Minimum Car Insurance Requirements in OH

Liability insurance comprised of bodily injury liability and property damage liability, is mandatory coverage for all drivers in the state of Ohio.

According to the Bureau of Motor Vehicles (BMV), proof of insurance must be carried in the vehicle and shown at traffic stops, vehicle inspections, and accident scenes. Minimum coverages for car insurance in the state of Ohio are:

  • $25,000 for bodily injury liability of one person 
  • $50,000 for bodily injury liability of two or more people
  • $25,000 for property damage liability in an accident

Ohioans are so invested in their residents purchasing liability insurance that its government has any driver applying for a driver’s license sign a document that affirms auto insurance coverage and knowledge of the penalties of driving uninsured.

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Cleveland Car Insurance Rates by Driver Age

At $353 per month, many teenagers will be able to afford car insurance payments while still maintaining good grades, sports, and other extracurriculars. In the Buckeye State, more driving experience equals paying less for car insurance. Twentysomethings see their prices come down by more than $150. From there, except those in their 70s, everyone sees prices below the state average of $164. The oldest drivers pay $200 less than the youngest drivers, totaling $2,400 less per year.

Driver's AgeAvg. Monthly Cost
teens$354
20s$187
30s$139
40s$153
50s$142
60s$128
70s$169
80s$122
Driving HistoryAvg. Monthly Cost
No Violation$151
Speeding Ticket$185
At-Fault Accident$200
Failure to Stop for Red Light / Stop Sign$169

Cleveland Car Insurance Rates by Driving and Accident History

Cleveland drivers know one of the best ways to save is to drive safely. Insurance companies applaud the idea and hand out “good driver” and “accident-free” discounts to people with clean records. Those discounts can quickly disappear if a driver rushes past a stop sign or red light, which costs an added $18 per month. An at-fault accident pushes the rate up my $49 per month, a yearly cost of over $575. But there is good news for those with less-than-perfect driving histories. After three years of careful driving, violations and accidents stop affecting insurance premiums.

Cleveland Car Insurance Rates by Credit Tier

Many Ohioans wonder just how credit affects their ability to drive. But the state’s insurance companies set rates based on credit, and Ohio law approves the practice. If so, why do people with poor credit pay a little less than those with average or good credit? Those with better credit often finance costlier cars and need more coverage to protect their assets. Moving from poor credit to excellent credit could have drivers realize a $39 per month savings, an over $450 per year price break.

Credit TieAvg. Monthly Cost
Excellent$127
Good$169
Average$173
Poor$167

Cleveland, OH DMV Information

In Ohio, you can do your driving business online or in person with the Bureau of Motor Vehicles. There are 14 deputy registrar locations across Cuyahoga County and three in Cleveland. Need to schedule a driver skills test or have questions that the Ohio BMV website can’t answer? Use their live chat option to make appointments or connect to someone directly. While the deputy registrar deals with registrations and licensing, separate driver exam stations administer driving tests. The closest driver exam stations to Cleveland are in Bedford, Parma, and Mayfield Heights.

Public Transportation in Cleveland, OH

The Greater Cleveland Regional Transit Authority is the face of public transportation in Cleveland. The city offers standard bus, bus rapid transit (BRT), and park-and-ride options, and you can also travel this town by rail or trolley. Need to get somewhere right now? Several different taxi services operate in this town as well as the on-demand usuals, Uber and Lyft.

Conclusion: How to get the best and cheapest car insurance in Cleveland, OH

Though living in Cleveland can be fun, shopping insurance companies one data point at a time is definitely a grind.

Is the scratch piece of paper you’ve been using to compare rates company after company really all that accurate? Using Insurify takes the guesswork out of comparing coverages and gets you the coverage you need quickly.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Cleveland stacks up for the state of Ohio:

honda
Honda Civic
Most Popular Car in
Cleveland, OH
suspended licenses
#11
Cities with Most
Suspended Licenses Rank

FAQs - Cleveland, OH Car Insurance

Do I have the right to cancel my insurance policy in Ohio?

You always have the right to cancel your insurance policy. Here are the two things, however, that you should remember: 1) some companies can charge you a fee or penalty if you cancel your policy mid-term, so ask about that up front; and 2) never cancel your policy until you have a new one in place.

I’ve misplaced my insurance ID. What do I do next?

In Ohio, having proof of insurance is the law. If the police pull you over and you fail to show proof of insurance (your insurance ID card), you might receive a ticket. You can get the ticket dismissed, but not until you’ve dealt with the DMV. If you don’t know where your insurance card is anymore, call your insurance company for a new one. You can also print one out again yourself from some insurance companies’ websites.

How can I file a complaint against my insurance company in Ohio?

If you’re dealing with an insurance company and something seems off, you have rights. Ohio’s Department of Insurance oversees the insurance business in the state. It’s their job to make sure insurance companies are following the law. You can file a written complaint with the Department’s Consumer Services Division at 50 W. Town Street, Suite 300, Columbus, OH, 43215. You can also file the complaint at the Department’s website (www.insurance.ohio.gov). For questions, call 1 (800) 686-1526.