Best Cleveland, OH Car Insurance in 2024
Car insurance in Cleveland, OH averages $283 a month. Cleveland, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Cleveland car insurance rates, compare quotes from the top car insurance companies in Cleveland, OH.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Cleveland for teen drivers is USAA
- Average car insurance rates in Cleveland, OH after a DUI are $3,961/year
- The cheapest car insurance company in Cleveland is USAA
If you need to buy Cleveland, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Cleveland, OH is right here.
You’ll find Cleveland car insurance rates, the cheapest Cleveland, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Cleveland, Ohio car insurance rates to Hamilton car insurance rates, Cincinnati car insurance rates, and Cleveland car insurance rates.
Ready to find affordable Cleveland, OH car insurance today? Enter your ZIP code for fast, free Cleveland car insurance quotes.
Cheapest Cleveland, OH Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Cleveland, OH car insurance rates? Every Cleveland, Ohio car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,497 | $2,485 | $2,263 | $2,419 | $6,943 | $7,906 | $2,604 | $2,770 |
| American Family | $1,049 | $1,090 | $973 | $975 | $3,521 | $3,823 | $1,308 | $1,381 |
| Farmers | $2,164 | $2,165 | $1,904 | $2,014 | $9,859 | $10,267 | $2,423 | $2,522 |
| Geico | $1,552 | $1,502 | $1,482 | $1,487 | $4,045 | $3,739 | $1,710 | $1,429 |
| Liberty Mutual | $2,532 | $2,771 | $1,940 | $2,373 | $13,157 | $14,876 | $2,695 | $2,947 |
| Nationwide | $2,729 | $2,743 | $2,465 | $2,483 | $6,930 | $8,929 | $2,923 | $3,398 |
| Progressive | $2,019 | $1,895 | $1,680 | $1,736 | $9,147 | $10,309 | $2,414 | $2,499 |
| State Farm | $1,749 | $1,749 | $1,576 | $1,576 | $5,543 | $6,956 | $2,032 | $2,327 |
| Travelers | $1,873 | $1,902 | $1,865 | $1,858 | $8,346 | $13,287 | $1,956 | $2,220 |
| USAA | $980 | $988 | $932 | $931 | $3,039 | $3,384 | $1,312 | $1,412 |
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Minimum Car Insurance in Cleveland, OH
Every driver must carry the minimum car insurance in Cleveland, OH. Take a look at the Ohio car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Cleveland, OH Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Cleveland, OH. Compare credit history car insurance rates in Cleveland from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,826 | $3,489 | $2,892 |
| American Family | $2,352 | $1,594 | $1,349 |
| Farmers | $4,710 | $3,988 | $3,797 |
| Geico | $2,543 | $2,118 | $1,693 |
| Liberty Mutual | $7,771 | $4,746 | $3,717 |
| Nationwide | $4,912 | $3,963 | $3,350 |
| Progressive | $4,436 | $3,848 | $3,603 |
| State Farm | $4,180 | $2,590 | $2,046 |
| Travelers | $4,651 | $4,052 | $3,787 |
| USAA | $2,105 | $1,491 | $1,271 |
Cheapest Cleveland, OH Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cleveland, OH to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,128 | $3,804 | $4,464 | $3,547 |
| American Family | $1,688 | $1,791 | $1,791 | $1,791 |
| Farmers | $3,436 | $4,427 | $4,319 | $4,477 |
| Geico | $1,443 | $2,073 | $2,984 | $1,973 |
| Liberty Mutual | $4,542 | $5,836 | $5,967 | $5,299 |
| Nationwide | $3,271 | $4,153 | $5,262 | $3,614 |
| Progressive | $3,413 | $4,653 | $3,637 | $4,146 |
| State Farm | $2,672 | $3,205 | $2,939 | $2,939 |
| Travelers | $3,056 | $3,996 | $6,048 | $3,553 |
| USAA | $1,241 | $1,667 | $2,204 | $1,377 |
Cheapest Cleveland, OH Car Insurance for Teen Drivers
Teen car insurance in Cleveland, OH can be expensive. Take a look at rates from the top car insurance companies in Cleveland for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,943 | $7,906 |
| American Family | $3,521 | $3,823 |
| Farmers | $9,859 | $10,267 |
| Geico | $4,045 | $3,739 |
| Liberty Mutual | $13,157 | $14,876 |
| Nationwide | $6,930 | $8,929 |
| Progressive | $9,147 | $10,309 |
| State Farm | $5,543 | $6,956 |
| Travelers | $8,346 | $13,287 |
| USAA | $3,039 | $3,384 |
Cheapest Cleveland, OH Car Insurance for Seniors
Take a look at Cleveland, OH senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,263 | $2,419 |
| American Family | $973 | $975 |
| Farmers | $1,904 | $2,014 |
| Geico | $1,482 | $1,487 |
| Liberty Mutual | $1,940 | $2,373 |
| Nationwide | $2,465 | $2,483 |
| Progressive | $1,680 | $1,736 |
| State Farm | $1,576 | $1,576 |
| Travelers | $1,865 | $1,858 |
| USAA | $932 | $931 |
Cheapest Cleveland, OH Car Insurance Rates After a DUI
A DUI in Cleveland, OH increases car insurance rates. Compare Cleveland, Ohio DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,464 |
| American Family | $1,791 |
| Farmers | $4,319 |
| Geico | $2,984 |
| Liberty Mutual | $5,967 |
| Nationwide | $5,262 |
| Progressive | $3,637 |
| State Farm | $2,939 |
| Travelers | $6,048 |
| USAA | $2,204 |
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Cheapest Cleveland, OH Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Cleveland, OH by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,736 | $3,736 |
| American Family | $1,743 | $1,787 |
| Farmers | $4,165 | $4,165 |
| Geico | $2,081 | $2,155 |
| Liberty Mutual | $5,411 | $5,411 |
| Nationwide | $4,075 | $4,075 |
| Progressive | $3,962 | $3,962 |
| State Farm | $2,865 | $3,012 |
| Travelers | $4,163 | $4,163 |
| USAA | $1,559 | $1,685 |
Cheapest Cleveland, OH Car Insurance Rates by ZIP Code
Cleveland car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cleveland, OH.
| ZIP Code | Average Annual Rates |
|---|---|
| 44101 | $3,236 |
| 44102 | $3,286 |
| 44103 | $3,324 |
| 44104 | $3,390 |
| 44105 | $3,260 |
| 44106 | $3,269 |
| 44109 | $3,209 |
| 44110 | $3,317 |
| 44111 | $3,174 |
| 44112 | $3,236 |
| 44113 | $3,235 |
| 44114 | $3,262 |
| 44115 | $3,312 |
| 44119 | $3,202 |
| 44120 | $3,262 |
| 44121 | $3,157 |
| 44122 | $3,250 |
| 44127 | $3,335 |
| 44128 | $3,247 |
| 44135 | $3,128 |
The Best Cheap Car Insurance Companies in Cleveland, OH
Take a look at a side-by-side comparison of the top car insurance companies in Cleveland, OH to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,736 |
| American Family | $1,765 |
| Farmers | $4,165 |
| Geico | $2,118 |
| Liberty Mutual | $5,411 |
| Nationwide | $4,075 |
| Progressive | $3,962 |
| State Farm | $2,939 |
| Travelers | $4,163 |
| USAA | $1,622 |
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Category Winners: Cheapest Car Insurance in Cleveland, Ohio
Find the cheapest car insurance companies in Cleveland, OH for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
Cheapest Cleveland, OH Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Cleveland car insurance rates. Find the cheapest Cleveland, OH car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,560 | $3,724 | $3,925 |
| American Family | $1,727 | $1,779 | $1,789 |
| Farmers | $3,921 | $4,090 | $4,483 |
| Geico | $2,033 | $2,104 | $2,218 |
| Liberty Mutual | $5,193 | $5,441 | $5,601 |
| Nationwide | $4,475 | $3,953 | $3,798 |
| Progressive | $3,791 | $3,927 | $4,170 |
| State Farm | $2,775 | $2,947 | $3,094 |
| Travelers | $4,030 | $4,222 | $4,238 |
| USAA | $1,545 | $1,621 | $1,701 |
What affects car insurance rates in Cleveland, Ohio?
What factors can have an impact on Cleveland, OH car insurance? There are several reasons why Cleveland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cleveland, Ohio.
Car Theft in Cleveland
High levels of vehicle theft can make car insurance more expensive. Cleveland, OH car theft statistics from the FBI indicate 2,970 vehicle thefts a year.
Commute Time in Cleveland
The more time you spend in your car the higher the risk of an accident. The average commute length in Cleveland, OH is 25.5 minutes according to City-Data.
Traffic in Cleveland
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cleveland, OH traffic data from INRIX ranks Cleveland as the 542nd-most congested in the world.
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Compare Car Insurance Quotes in Cleveland, OH
Ready to find affordable Cleveland, Ohio car insurance today? Enter your ZIP code for fast, free Cleveland, OH car insurance quotes.
Frequently Asked Questions
How much is the average monthly car insurance rate in Cleveland, OH?
The average monthly rate is $283.
What are the minimum car insurance requirements in Cleveland, OH?
You need at least 25/50/25 coverage, which means $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability.
Do I need full coverage if my car is financed?
Yes, if your car is financed, full coverage insurance is typically required by the lender.
How can I find cheap car insurance in Cleveland, OH?
Compare quotes from different insurance companies to find the best rate.
What factors affect car insurance rates in Cleveland, OH?
Factors such as age, gender, marital status, credit score, driving record, and coverage level can affect car insurance rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.