bestauto insuranceClevelandCompare the Cheapest Car Insurance Quotes in Cleveland, OH
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.
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Advertising & Editorial DisclosureLast Updated: 11/3/2022
Written By |
Mark Fitzpatrick
Choosing the best auto insurance company depends on your driver profile and coverage needs. In Cleveland, GEICO is overall the cheapest and also has the least expensive policy with a speeding ticket. Erie offers the most affordable state minimum policy and is ranked the best with regard to affordability and service quality. USAA is the best option for military drivers.
bestauto insuranceClevelandThe Cheapest and Best Car Insurance in Cleveland
The Cheapest Car Insurance Companies in Cleveland
MoneyGeek’s research shows that the cheapest companies in Cleveland for a full coverage auto policy are:
- GEICO: $528 per year
- American Family: $636 per year
For drivers who have a military background, USAA is the cheapest option in Cleveland, with an average annual cost of $489.
GEICO is the cheapest auto insurance provider in the city; $597 less per year than MetLife, which offers full coverage insurance at $1,125 on average. Full coverage policies include collision and comprehensive coverage; the cost depends on how much liability insurance you choose.
Cheapest Car Insurance in Cleveland
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$489
- 2.$528
- 3.$636
- 4.$643
- 5.$659
For this guide, MoneyGeek collected average rates for a 40-year-old male driver with a full coverage policy in Cleveland, as defined in our methodology.
A full coverage policy costs more than a minimum coverage policy; it’s valuable because it includes collision and comprehensive insurance, so it covers vehicle damage or loss.
- Comprehensive Coverage: Pays for the replacement or repair of your vehicle if it’s stolen or damaged in any incident.
- Collision Coverage: Covers the cost of vehicle loss or repair after an at-fault accident.
For an older car, it might be a better option to get a minimum coverage policy or liability-only insurance, as a full coverage policy could cost more than your car is worth.
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 for Minimum Coverage
Minimum coverage is the cheapest option for an auto insurance policy in Cleveland. MoneyGeek found the following companies are the cheapest for minimum coverage in Cleveland:
- Erie: $283 per year
- GEICO: $300 per year
For military drivers, USAA offers the cheapest policy — $227 on average yearly.
In Cleveland, Erie is the cheapest, costing $480 less than Esurance, with the most expensive policy at $763 on average.
A minimum coverage policy is a budget option but doesn’t include liability, collision and comprehensive coverage. That means your car is not fully covered in an accident or from damage.
The table below shows how much higher liability coverage costs in Cleveland.
Cheapest Minimum Liability Car Insurance in Cleveland
State Minimum
- CompanyState Minimumper year
- 1.$227
- 2.$283
- 3.$300
- 4.$322
- 5.$404
In Ohio, you must have a car insurance policy with 25/50/25 in liability limits. While it is the cheapest option in Cleveland, you may have to pay more out of pocket in an accident.
For example, if the property of the other party is damaged in an accident, the policy only covers up to $25,000 in repairs. You must pay the rest of the cost yourself.
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.
Cheapest Car Insurance in Cleveland if You Have Driving Violations
Drivers with a speeding ticket, a DUI or an at-fault accident on their record pay more for an auto insurance policy. MoneyGeek found the cheapest companies in Cleveland for violations:
- Cheapest after a speeding ticket: GEICO, $652 per year
- Cheapest after a DUI: American Family, $667 per year
- Cheapest after an at-fault accident: American Family, $667 per year
For military drivers with a speeding ticket, USAA is the cheapest option in Cleveland.
If you have a bad driving record, you can improve it over time and get cheaper car insurance in Cleveland. Meanwhile, it’s a good idea to shop around and get the lowest-priced policy that fits your needs.
Cheapest Car Insurance in Cleveland With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$605
- 2.$652
- 3.$667
- 4.$686
- 5.$701
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.
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.
The Best Car Insurance Companies in Cleveland
To help drivers find a company that offers the right balance of cost and quality, MoneyGeek ranked the best companies in Cleveland. Research finds the best car insurance providers in Cleveland for most drivers are:
- Erie: MoneyGeek score of 95 out of 100
- Hartford: MoneyGeek score of 88 out of 100
USAA received the highest score in Cleveland by MoneyGeek's rating system. It is only available to military members, veterans and their families, but for them, it is the best choice.
To calculate these final scores out of 100, MoneyGeek used several criteria, including J.D. Power user satisfaction, affordability and financial stability ratings.
1
Erie
Score:89
2
State Farm
Score:88
3
GEICO
Score:87
4
American Family
Score:87
5
Allstate
Score:70
6
Travelers
Score:70
7
Progressive
Score:69
8
Nationwide
Score:67
9
Farmers
Score:52
10
Esurance
Score:40
11
MetLife
Score:26
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
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.
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