Average car insurance rates in Cleveland are determined by providers after assessing multiple factors, including a driver's residential area. It’s a great idea to obtain a tailored quote based on your unique needs to get precise car insurance quotes in Cleveland. With multiple quotes, you'll be able to compare them to see which one is most affordable for you.
Compare the Cheapest Car Insurance Quotes in Cleveland, OH
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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.
Compare Car Insurance Rates in Cleveland
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Cheap Car Insurance Companies in Cleveland
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.
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- CompanyAmountper year
- 1. USAA$489
- 2. GEICO$528
- $636
- 4. State Farm$643
- 5. Erie$659
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.
Compare Car Insurance Rates in Cleveland
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Cleveland by Coverage Amount
How much car insurance coverage you purchase in Cleveland also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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 by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$227$254
- 2. GEICO$300$329
- 3. Erie$283$326
- 4. State Farm$322$375
- $436$459
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$455$489
- 2. GEICO$490$528
- 3. Erie$614$659
- 4. State Farm$588$643
- $632$636
Compare Car Insurance Rates in Cleveland
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Cleveland if You Have Tickets
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. USAA$605$735$719
- $667$667$667
- 3. State Farm$701$760$701
- 4. Erie$686$838$989
- 5. GEICO$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.
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
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.
Compare Car Insurance Rates in Cleveland
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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