Cheapest Car Insurance in Cleveland (2026)

Auto-Owners charges Cleveland's most affordable full coverage at $85 monthly, while also providing the lowest minimum coverage at just $34 per month. These rates apply to drivers with clean records. Your age and driving history determine which insurer gives you the best rate, so getting quotes from multiple companies helps you secure the most competitive premium available.

Ohio residents pay $40 monthly for minimum coverage, but Cleveland drivers pay more at $51. Full coverage runs higher too, with Cleveland's $104 rate exceeding the state's $83 average. The city's winter conditions create dangerous driving situations with snow and ice, while higher vehicle theft rates compared to other areas push premiums up. 

Local regulations require additional coverage options beyond state requirements. These factors make Cleveland one of Ohio's more expensive cities for car insurance. Comparing quotes helps drivers find competitive rates despite these urban challenges.

Read More: The cheapest car insurance in Ohio

Cleveland's young drivers pay high insurance costs, averaging $215 monthly across the top five insurers. Adults pay $99 monthly while seniors pay $133 monthly. Young drivers pay over twice adult rates due to their limited driving experience and higher accident rates.

Cheapest Cleveland car insurance by age:

• Young drivers: GEICO at $169 per month
• Adult drivers: Auto-Owners at $85 per month
• Senior drivers: Nationwide at $117 per month

Once drivers establish experience, age matters less for pricing. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Cleveland's young drivers pay high insurance costs, with the average hitting $215 monthly compared to $99 for adults across the city's five cheapest insurers. GEICO provides the most affordable option at $169 monthly or $2,029 annually for full coverage. 

Insurers charge these high rates because drivers ages 16 to 25 lack experience and have higher accident rates and more traffic violations than any other age group.

Comparing rates saves young Cleveland drivers real money, with GEICO's rates running $83 less per month than Nationwide at $252 monthly. Adding young drivers to family policies costs less than separate coverage, but rates stay high until age 25.

Note: Teen drivers must meet state licensing requirements and may have additional restrictions. Parents should verify coverage adequacy with their insurance provider.

Cleveland seniors benefit from clean driving records and decades of experience, helping them secure competitive rates like Nationwide's $117 monthly or $1,407 annually for full coverage. While most insurers reward this experience, some may slightly increase premiums for drivers over 70 due to slower reaction time concerns. 

Across the city's five most affordable insurers, seniors average $133 monthly, just $34 above the $99 that younger adults pay. Shopping around pays off since choosing Nationwide over Progressive at $145 monthly saves $28 each month. 

Seniors can unlock even more savings through defensive driving courses or low-mileage discounts for driving under 7,500 miles per year.

Cleveland's adult drivers between ages 26 and 64 get the city's most competitive insurance rates because they have extensive driving experience and lower accident rates than younger and older drivers. Auto-Owners leads the market at $85 monthly or $1,017 annually for full coverage. 

Across the five cheapest insurers, adults average $99 monthly, the lowest of any age category. Choosing Auto-Owners over Cincinnati Insurance at $105 monthly saves $20 monthly. Clean driving records, policy bundling and good driver discounts help lower costs further.

Cleveland drivers see widely varying insurance costs depending on their driving record. Auto-Owners leads across categories, charging $34 monthly for minimum liability with clean records and maintaining that same $34 rate even for speeding violations, while jumping to $72 for DUI convictions. 

Looking at the broader market, average rates across the five cheapest insurers rise from $43 for clean drivers to $49 for speeding tickets, $62 for at-fault accidents and $79 for DUIs. The cost differences reflect how insurers assess risk levels. 

At-fault accidents increase premiums because you've actually caused property damage or injuries, proving you're a crash risk to insurers. DUIs trigger the largest increases since they combine reckless behavior with serious legal consequences, landing you in the highest-risk category and requiring SR-22 filing for license reinstatement. 

Speeding tickets cause smaller increases because they signal risky driving without proving you've been in an actual crash.

Cleveland drivers see a wide range of monthly car insurance costs, from just $47 in ZIP code 44111 to $115 in ZIP code 44105. See your ZIP code's rate in the table below. Cleveland's most populous neighborhoods (44109, 44105 and 44104) average $106, $115, and $108 monthly for minimum coverage. 

These differences reflect neighborhood factors like accident frequency, theft rates, population density and uninsured driver percentages. Filter the table to find your ZIP code and see your area's rate.

Cleveland drivers can secure competitive rates without sacrificing proper coverage by knowing where to shop and what to ask for.

Want to find affordable coverage in Cleveland? This FAQ offers clear answers about available discounts, state regulations and policy options to help you secure coverage that works for your budget and makes smart choices about your insurance.

Cleveland drivers pay some of Ohio's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Cleveland's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.