The average annual cost of car insurance in Cleveland is $798, which is less than the state average. The cheapest widely available insurer is GEICO, at an average of $528 annually. MoneyGeek analyzed the cheapest options in terms of coverage level and driving history. For those looking for a cost-quality balance, MoneyGeek also recommended the best companies in Cleveland.
bestauto insuranceCleveland2021The Cheapest and Best Car Insurance in Cleveland
The Cheapest Car Insurance Companies in Cleveland
The insurers with the most affordable average rates for a full coverage policy in Cleveland are:
- USAA: $489 yearly (only available to current and former military members)
- GEICO: $528 yearly
USAA offers the best auto insurance rates in Cleveland. However, their firm only serves military personnel and their families. For the general public, the most affordable provider is GEICO with policies that are on average 113% cheaper than the most expensive insurer in the city, MetLife.
For this study, MoneyGeek collected average insurance rates in Cleveland for a sample 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$489
- 2.$528
- 3.$636
- 4.$643
- 5.$659
Average Cost of Car Insurance in Cleveland
Cleveland$798
Ohio$803
U.S.$1,424
Cleveland has affordable yearly car insurance on average compared to state and national averages. The average rate for auto insurance in Cleveland is $798, which is 0.6% less than the state average and 44% lower than the national average.
The Best Car Insurance Companies in Cleveland
To help drivers find a company that offers the right balance of costs and quality, MoneyGeek ranked the best companies in Cleveland. Based on MoneyGeek’s research, the best car insurance providers in the city for most drivers are:
- Erie: MoneyGeek score 95 out of 100
- Hartford: MoneyGeek score 88 out of 100
USAA received the highest score in Cleveland by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate these final scores out of 100, MoneyGeek used several criteria, including J.D. Power user satisfaction, affordability and financial stability ratings.
1
USAA
Score:100
2
Erie
Score:95
3
Hartford
Score:88
4
Auto-Owners Insurance Co
Score:88
5
GEICO
Score:88
6
Cincinnati Insurance Companies
Score:88
7
Country Financial
Score:85
8
State Farm
Score:85
9
Nationwide
Score:83
10
Esurance
Score:83
11
Grange
Score:80
12
Progressive
Score:80
13
Allstate
Score:80
14
American Family
Score:80
15
Travelers
Score:80
16
MetLife
Score:80
17
Farmers
Score:78
18
Hanover
Score:75
19
Liberty Mutual
Score:75
20
AAA
Score:75
21
Safeco
Score:73
Personalized Quotes to Get You the Cheapest Car Insurance in Cleveland
A variety of factors are considered by providers to determine car insurance quotes in Cleveland. These factors include your age, gender, credit score, marital status and more. With GEICO, an 18-year-old male in Cleveland may pay twice as much as a 40-year-old male in Cleveland will. Always consult with multiple insurance companies so you can compare rates to ensure you're getting affordable coverage that meets your needs.
Shopping around for car insurance in Cleveland could save you $270, which is enough to buy:
90Cups of Coffee
21Months of Your Favorite Streaming Service
Cheapest Car Insurance in Cleveland by Coverage Amount
In Cleveland and elsewhere, one major factor that influences the cost of a car insurance policy is the coverage level you choose. In Cleveland, for instance, a state minimum policy costs an average of $479 per year. A full coverage policy with higher liability limits costs $798 on average. That is a $319 difference.
Ohio Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
GEICO’s packages in Cleveland offer drivers their choice of coverage options. The full-coverage policy is $161 more than a liability-only policy. GEICO's state liability coverage costs an average of $300 in Cleveland. Their 50/100/50 full coverage costs Cleveland residents, on average, $490.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$227$254
- 2.$300$329
- 3.$283$326
- 4.$322$375
- 5.$436$459
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$455$489
- 2.$490$528
- 3.$614$659
- 4.$588$643
- 5.$632$636
Cheapest Car Insurance in Cleveland if You Have Driving Violations
Driving violations will likely increase the cost of auto insurance. In Cleveland, American Family customers with a DUI end up paying an average of $32 more than drivers with a clear driving history.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$605$735$719
- 2.$667$667$667
- 3.$701$760$701
- 4.$686$838$989
- 5.$652$856$1,167
Average Cost of Car Insurance by Postal Code
Your ZIP code also affects the cost of your auto insurance premium. Areas that record more accidents, car thefts, and other car-related risks are seen as riskier to insure by auto insurance companies. In Cleveland, the most affordable region in terms of car insurance costs is the 44130 neighborhood. In that ZIP code area, residents will pay $196 less on average compared to the city’s most expensive region, 44102.
- Zip CodeState Minimumper year
- 44130$668
- 44111$828
- 44109$833
- 44102$863
Insurance Providers That Serve Cleveland
Factors That Impact Insurance Costs in Cleveland
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Cleveland. How Cleveland ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Cleveland are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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