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.
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.
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 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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Cheapest recent rates near Cleveland, Ohio
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $40/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 6, 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 6, 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 6, 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 6, 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 $138 per month, partly thanks to its population density. Cleveland drivers can find the cheapest full-coverage rates from Mile Auto at $71, and the cheapest liability-only coverage from Mile Auto at $47.
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 $138 per month.
Insurance Company
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.
Full Coverage
Liability Only
Best For
State Farm
4.6
$71
$39
Cheap rates
Auto-Owners
4.3
$83
$45
Optional coverages
Erie
4.6
$83
$45
Customer 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.
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.
4.5
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.
$48/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.
$88/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
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.
4.0
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.
$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
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
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
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.
$103/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
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:
Drive safely. The most effective way to keep your insurance costs low is to maintain a clean driving record. Taking a defensive driving course may help you learn important skills if you need help.
Adjust your coverage. Don’t carry more coverage than you need. Considerincreasing your deductible, dropping collision or comprehensive coverage, or decreasing your liability amounts.
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 $86. The following companies have the cheapest liability-only car insurance in the northeast Ohio city.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
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.
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 $190 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: Friday, May 3 at 12:00 PM PDT.
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.
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.
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]
Coverage
Minimum 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:
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.
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.
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 $60 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
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 $282 for full coverage and $127 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: Friday, May 3 at 12:00 PM PDT.
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.
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: State Farm
Having an at-fault accidenton 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 $208 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: Friday, May 3 at 12:00 PM PDT.
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.
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: State Farm
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 $138 per month for car insurance. Drivers with an OVI pay a monthly average of $235. 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: Friday, May 3 at 12:00 PM PDT.
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.
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.
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 $85 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: Friday, May 3 at 12:00 PM PDT.
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.
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:
Stay on their parents’ insurance policy. Though teens 18 and older can get their own insurance policy, staying on a parent or guardian’s policy will be far less expensive.
Do well in school. Many insurance companies offer good student discounts to teen drivers who maintain a GPA of at least a B.
Teen drivers with their own policies in Cleveland pay an overall average of $227 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: Friday, May 3 at 12:00 PM PDT.
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.
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
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 $83 per month, while full-coverage costs an average of $177 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.
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 $138 per month, on average. Drivers pay an average of $190 per month for full-coverage car insurance and $86 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 $47. State Farm and Hugo also offer affordable coverage, with respective monthly liability rates of $48 and $50.
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 $113. Drivers pay $71 monthly for liability coverage and $156 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.
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.
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.
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 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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Erie Insurance
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