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A driver’s profile and needs determine the cheapest insurer.

In Cleveland, Erie has the cheapest minimum coverage, while Nationwide is the lowest for full coverage, with poor credit or as a senior.

Auto-Owners is the cheapest with a speeding ticket; American Family with an at-fault accident, OVI, sports car or as a young driver. USAA is the lowest for military members.

When balancing affordability and service quality, we found the best car insurance in Cleveland.

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2023

Cheapest Car Insurance in Cleveland, OH

Cheapest Minimum Coverage Car Insurance in Cleveland

The average cheapest car insurance companies in Cleveland for a minimum coverage policy are:

  • Erie: $217 per year
  • Auto-Owners: $262 per year

State Farm is the most expensive company, of those MoneyGeek collected quotes for in Cleveland, for a minimum coverage policy at around $2,465 a year.

Nationwide offers the cheapest minimum coverage auto insurance in Ohio, with its statewide average cost being $226 per year. But in Cleveland, Nationwide charges $270 a year, showing how location can affect the cost of auto insurance.

Company
Annual Premium
Monthly Premium

Erie

$211

$18

Erie

$217

$18

Progressive

$247

$21

Nationwide

$259

$22

Auto-Owners Insurance Co

$262

$22

Auto-Owners Insurance Co

$264

$22

Progressive

$267

$22

Nationwide

$270

$23

Erie

$272

$23

American Family

$315

$26

American Family

$317

$26

American Family

$324

$27

Grange Insurance

$333

$28

Progressive

$335

$28

Nationwide

$336

$28

Grange Insurance

$339

$28

GEICO

$341

$28

Westfield

$344

$29

Cincinnati Insurance

$351

$29

Cincinnati Insurance

$364

$30

Grange Insurance

$374

$31

Auto-Owners Insurance Co

$374

$31

Westfield

$379

$32

GEICO

$387

$32

Westfield

$403

$34

Travelers

$403

$34

Travelers

$431

$36

Cincinnati Insurance

$433

$36

GEICO

$442

$37

Travelers

$458

$38

Farmers

$465

$39

Farmers

$482

$40

Nationwide

$490

$41

Nationwide

$528

$44

American Family

$547

$46

Farmers

$549

$46

Auto-Owners Insurance Co

$566

$47

American Family

$576

$48

Allstate

$580

$48

Auto-Owners Insurance Co

$591

$49

Allstate

$594

$50

American Family

$597

$50

Erie

$611

$51

Erie

$624

$52

Nationwide

$638

$53

GEICO

$651

$54

Grange Insurance

$660

$55

Allstate

$664

$55

Progressive

$665

$55

GEICO

$689

$57

Grange Insurance

$716

$60

Progressive

$725

$60

Cincinnati Insurance

$740

$62

Travelers

$754

$63

Travelers

$756

$63

Farmers

$787

$66

Erie

$788

$66

Grange Insurance

$796

$66

Westfield

$803

$67

Cincinnati Insurance

$804

$67

Westfield

$807

$67

Farmers

$809

$67

Auto-Owners Insurance Co

$850

$71

GEICO

$879

$73

Travelers

$889

$74

Allstate

$906

$76

Progressive

$942

$78

Allstate

$952

$79

Farmers

$973

$81

Cincinnati Insurance

$976

$81

Westfield

$1,040

$87

Allstate

$1,159

$97

State Farm

$2,320

$193

State Farm

$2,465

$205

State Farm

$3,004

$250

State Farm

$3,409

$284

State Farm

$3,643

$304

State Farm

$4,610

$384

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In Ohio, a minimum coverage policy includes bodily injury liability per person and accident and property damage liability per accident. The minimum limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

The above limits may be just enough to cover minor accidents. However, if a driver in Cleveland causes a collision resulting in the other driver suffering medical expenses of over $25,000, the excess amount is the at-fault driver’s responsibility. So, for example, if the total is $45,000, they would pay $20,000 out-of-pocket.

Cheapest Full Coverage Car Insurance in Cleveland

For full coverage car insurance, the average cheapest quotes in Cleveland come from the following companies:

  • Nationwide: $528 per year
  • American Family: $576 per year

State Farm costs the most for full coverage in Cleveland at around $3,643 per year.

Nationwide has the lowest statewide price for full coverage at around $485 per year. But its average cheapest full coverage auto insurance cost in Ohio is less than what it charges in Cleveland. Location does affect the cost of car insurance.

Company
Annual Premium
Monthly Premium

Erie

$211

$18

Erie

$217

$18

Progressive

$247

$21

Nationwide

$259

$22

Auto-Owners Insurance Co

$262

$22

Auto-Owners Insurance Co

$264

$22

Progressive

$267

$22

Nationwide

$270

$23

Erie

$272

$23

American Family

$315

$26

American Family

$317

$26

American Family

$324

$27

Grange Insurance

$333

$28

Progressive

$335

$28

Nationwide

$336

$28

Grange Insurance

$339

$28

GEICO

$341

$28

Westfield

$344

$29

Cincinnati Insurance

$351

$29

Cincinnati Insurance

$364

$30

Grange Insurance

$374

$31

Auto-Owners Insurance Co

$374

$31

Westfield

$379

$32

GEICO

$387

$32

Westfield

$403

$34

Travelers

$403

$34

Travelers

$431

$36

Cincinnati Insurance

$433

$36

GEICO

$442

$37

Travelers

$458

$38

Farmers

$465

$39

Farmers

$482

$40

Nationwide

$490

$41

Nationwide

$528

$44

American Family

$547

$46

Farmers

$549

$46

Auto-Owners Insurance Co

$566

$47

American Family

$576

$48

Allstate

$580

$48

Auto-Owners Insurance Co

$591

$49

Allstate

$594

$50

American Family

$597

$50

Erie

$611

$51

Erie

$624

$52

Nationwide

$638

$53

GEICO

$651

$54

Grange Insurance

$660

$55

Allstate

$664

$55

Progressive

$665

$55

GEICO

$689

$57

Grange Insurance

$716

$60

Progressive

$725

$60

Cincinnati Insurance

$740

$62

Travelers

$754

$63

Travelers

$756

$63

Farmers

$787

$66

Erie

$788

$66

Grange Insurance

$796

$66

Westfield

$803

$67

Cincinnati Insurance

$804

$67

Westfield

$807

$67

Farmers

$809

$67

Auto-Owners Insurance Co

$850

$71

GEICO

$879

$73

Travelers

$889

$74

Allstate

$906

$76

Progressive

$942

$78

Allstate

$952

$79

Farmers

$973

$81

Cincinnati Insurance

$976

$81

Westfield

$1,040

$87

Allstate

$1,159

$97

State Farm

$2,320

$193

State Farm

$2,465

$205

State Farm

$3,004

$250

State Farm

$3,409

$284

State Farm

$3,643

$304

State Farm

$4,610

$384

Apart from the liability limits that are mandatory, you can add comprehensive and collision coverage to get what is known as a full coverage policy that enhances your financial protection.

  • Collision insurance: Provides coverage for damages resulting from at-fault collisions with other vehicles or objects.
  • Comprehensive insurance: Safeguards your car against non-collision-related damages like theft, fire or natural disasters.

The appropriate policy may depend on your vehicle's age and worth. Older and less valuable cars may not require full coverage — the cost of the policy may not be worth it with a low-value vehicle.

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Cheapest Car Insurance in Cleveland After a Driving Offense

Purchasing a policy from the following insurers in Cleveland can result in the average lowest full coverage car insurance premium after a moving violation:

  • Speeding ticket: Auto-Owners ($591 per year)
  • At-fault accident: American Family ($754 per year)
  • DUI: American Family ($726 per year)

State Farm is the most expensive, on average, for full coverage in Cleveland with a speeding ticket ($4,041), at-fault accident ($4,440) or OVI ($4,041). While the majority of states have DUIs, Ohio uses OVI, which means operating a vehicle under the influence of alcohol or drugs. If you are found guilty of an OVI, you will face harsh penalties, just as drivers with a DUI do.

Your car insurance cost can be greatly affected by a driving offense, and even the most affordable insurance provider may still charge you a premium that makes a significant dent in your wallet and is far more costly than what a driver with a clean record pays.

Company
Annual Premium
Monthly Premium

Erie

$235

$20

Erie

$241

$20

Auto-Owners Insurance Co

$262

$22

Auto-Owners Insurance Co

$264

$22

Erie

$303

$25

Erie

$310

$26

Erie

$311

$26

Progressive

$323

$27

Nationwide

$339

$28

Progressive

$340

$28

Progressive

$346

$29

Nationwide

$352

$29

Progressive

$368

$31

Auto-Owners Insurance Co

$374

$31

Erie

$381

$32

Erie

$386

$32

Progressive

$392

$33

Erie

$394

$33

American Family

$396

$33

American Family

$396

$33

American Family

$401

$33

American Family

$401

$33

American Family

$403

$34

American Family

$403

$34

American Family

$404

$34

GEICO

$406

$34

American Family

$408

$34

Auto-Owners Insurance Co

$408

$34

American Family

$411

$34

Westfield

$411

$34

Auto-Owners Insurance Co

$411

$34

Cincinnati Insurance

$414

$35

Progressive

$416

$35

Nationwide

$423

$35

Nationwide

$429

$36

Cincinnati Insurance

$431

$36

Grange Insurance

$441

$37

Nationwide

$446

$37

Grange Insurance

$451

$38

Westfield

$453

$38

GEICO

$464

$39

Grange Insurance

$480

$40

Westfield

$482

$40

Erie

$487

$41

Progressive

$491

$41

Grange Insurance

$491

$41

Cincinnati Insurance

$512

$43

GEICO

$517

$43

Grange Insurance

$518

$43

Grange Insurance

$530

$44

Nationwide

$531

$44

Progressive

$536

$45

Nationwide

$536

$45

Grange Insurance

$540

$45

GEICO

$541

$45

Grange Insurance

$542

$45

Travelers

$547

$46

Nationwide

$552

$46

Progressive

$557

$46

Auto-Owners Insurance Co

$566

$47

Travelers

$575

$48

Farmers

$581

$48

Travelers

$581

$48

Westfield

$582

$49

Auto-Owners Insurance Co

$584

$49

Auto-Owners Insurance Co

$589

$49

Auto-Owners Insurance Co

$591

$49

Auto-Owners Insurance Co

$593

$49

Grange Insurance

$597

$50

Travelers

$609

$51

Westfield

$617

$51

Travelers

$629

$52

Nationwide

$631

$53

Farmers

$631

$53

GEICO

$637

$53

Nationwide

$638

$53

Westfield

$642

$54

Travelers

$652

$54

Cincinnati Insurance

$653

$54

Farmers

$665

$55

Erie

$668

$56

Travelers

$669

$56

Farmers

$669

$56

Nationwide

$676

$56

Cincinnati Insurance

$679

$57

Erie

$679

$57

Allstate

$682

$57

Travelers

$684

$57

American Family

$692

$58

American Family

$692

$58

Allstate

$700

$58

GEICO

$701

$58

American Family

$719

$60

American Family

$726

$60

American Family

$726

$60

Allstate

$737

$61

Farmers

$744

$62

American Family

$748

$62

American Family

$748

$62

Travelers

$748

$62

American Family

$754

$63

Farmers

$754

$63

Farmers

$755

$63

Allstate

$758

$63

American Family

$779

$65

Nationwide

$790

$66

Allstate

$793

$66

Nationwide

$795

$66

GEICO

$799

$67

Allstate

$799

$67

Cincinnati Insurance

$806

$67

GEICO

$807

$67

Allstate

$823

$69

Farmers

$834

$70

Erie

$839

$70

Auto-Owners Insurance Co

$842

$70

Nationwide

$843

$70

Farmers

$847

$71

Auto-Owners Insurance Co

$850

$71

Auto-Owners Insurance Co

$850

$71

Erie

$851

$71

Cincinnati Insurance

$857

$71

Erie

$860

$72

Allstate

$864

$72

Cincinnati Insurance

$872

$73

GEICO

$874

$73

Progressive

$879

$73

Auto-Owners Insurance Co

$880

$73

Cincinnati Insurance

$892

$74

Progressive

$900

$75

GEICO

$917

$76

Grange Insurance

$929

$77

Allstate

$944

$79

Grange Insurance

$948

$79

Cincinnati Insurance

$949

$79

Progressive

$949

$79

Grange Insurance

$953

$79

Westfield

$961

$80

GEICO

$963

$80

Westfield

$966

$80

Grange Insurance

$969

$81

Progressive

$976

$81

Nationwide

$983

$82

Nationwide

$986

$82

Erie

$1,014

$85

Erie

$1,022

$85

Grange Insurance

$1,033

$86

Nationwide

$1,036

$86

Farmers

$1,045

$87

GEICO

$1,060

$88

Cincinnati Insurance

$1,061

$88

Farmers

$1,062

$89

Travelers

$1,066

$89

Grange Insurance

$1,067

$89

Erie

$1,075

$90

GEICO

$1,083

$90

Progressive

$1,103

$92

Allstate

$1,106

$92

Travelers

$1,119

$93

Westfield

$1,130

$94

Grange Insurance

$1,146

$96

Travelers

$1,146

$96

Farmers

$1,148

$96

Cincinnati Insurance

$1,153

$96

Grange Insurance

$1,157

$96

Travelers

$1,161

$97

Allstate

$1,163

$97

Westfield

$1,165

$97

Nationwide

$1,178

$98

Progressive

$1,180

$98

Westfield

$1,189

$99

GEICO

$1,190

$99

Farmers

$1,195

$100

Auto-Owners Insurance Co

$1,200

$100

Travelers

$1,207

$101

Farmers

$1,209

$101

Allstate

$1,214

$101

Travelers

$1,217

$101

Auto-Owners Insurance Co

$1,235

$103

Westfield

$1,243

$104

Westfield

$1,245

$104

Westfield

$1,246

$104

Travelers

$1,250

$104

Auto-Owners Insurance Co

$1,276

$106

Allstate

$1,278

$107

Farmers

$1,285

$107

Grange Insurance

$1,286

$107

Erie

$1,293

$108

Progressive

$1,295

$108

Farmers

$1,314

$109

Allstate

$1,320

$110

Farmers

$1,339

$112

Travelers

$1,350

$113

Progressive

$1,357

$113

Travelers

$1,358

$113

Cincinnati Insurance

$1,378

$115

Allstate

$1,390

$116

GEICO

$1,419

$118

Allstate

$1,436

$120

Farmers

$1,466

$122

Westfield

$1,479

$123

Cincinnati Insurance

$1,497

$125

GEICO

$1,513

$126

Progressive

$1,535

$128

Allstate

$1,587

$132

Allstate

$1,731

$144

GEICO

$1,732

$144

Auto-Owners Insurance Co

$1,800

$150

Cincinnati Insurance

$1,809

$151

Cincinnati Insurance

$1,820

$152

GEICO

$1,840

$153

Cincinnati Insurance

$1,965

$164

Westfield

$2,257

$188

Westfield

$2,261

$188

Cincinnati Insurance

$2,391

$199

Westfield

$2,494

$208

State Farm

$2,578

$215

State Farm

$2,578

$215

State Farm

$2,740

$228

State Farm

$2,740

$228

State Farm

$2,836

$236

State Farm

$3,013

$251

State Farm

$3,338

$278

State Farm

$3,338

$278

State Farm

$3,671

$306

State Farm

$3,783

$315

State Farm

$3,783

$315

State Farm

$4,041

$337

State Farm

$4,041

$337

State Farm

$4,158

$346

State Farm

$4,440

$370

State Farm

$5,116

$426

State Farm

$5,116

$426

State Farm

$5,621

$468

Car insurance often increases with a violation, and the more severe it is, the more you may pay. But you can find cheap car insurance with a bad driving record by shopping around.

To see how the severity of a violation affects the cost of full coverage car insurance in Cleveland, let’s compare a speeding ticket and OVI. A clean record driver in Cleveland pays around $937 a year. After a speeding ticket, the premium increases by roughly 21% or $193 per year. But with an OVI, the driver pays around 60% or $564 more annually.

mglogo icon
MONEYGEEK EXPERT TIP

Even the safest drivers may find themselves involved in an at-fault accident. To avoid a premium increase after your first at-fault accident, include accident forgiveness on your auto policy. You can easily add it to your policy with many companies, and some award it at no cost after a period of time for maintaining a clean driving record, such as Progressive and GEICO. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Cleveland for Teens and Their Families

With a teen driver on a full coverage family policy in Cleveland, the average cheapest car insurance is with the following companies:

  • Nationwide: $1,108 per year for female teens; $1,289 per year for male teens
  • Travelers: $1,829 per year for female teens
  • GEICO: $2,002 per year for male teens

State Farm is the most expensive for teen drivers on a full coverage family policy in Cleveland at roughly $13,257 per year for male teens and $10,358 per year for female teens.

Male teen drivers often pay more than females because of their higher perceived risk, which is the case in Cleveland. Nationwide, for example, charges male teens around $181 more a year. In young adulthood, any price difference tends to disappear.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$696

$1,223

Nationwide

$706

$1,334

Nationwide

$720

$1,667

Nationwide

$774

$1,953

Travelers

$776

$1,469

Nationwide

$785

$1,379

Nationwide

$801

$1,558

Nationwide

$835

$1,467

Nationwide

$841

$1,588

Travelers

$849

$1,541

Nationwide

$850

$1,812

Travelers

$881

$1,668

Travelers

$888

$1,859

Nationwide

$896

$1,693

Travelers

$913

$1,728

Travelers

$981

$1,779

Travelers

$1,015

$2,039

Travelers

$1,019

$2,145

Nationwide

$1,029

$2,957

Nationwide

$1,061

$3,508

Travelers

$1,062

$1,927

Auto-Owners Insurance Co

$1,078

$2,374

Nationwide

$1,088

$2,520

Auto-Owners Insurance Co

$1,098

$2,375

GEICO

$1,104

$1,803

Nationwide

$1,108

$3,741

GEICO

$1,129

$2,482

Farmers

$1,130

$1,654

Nationwide

$1,132

$3,741

GEICO

$1,136

$1,854

GEICO

$1,138

$1,670

Auto-Owners Insurance Co

$1,141

$2,511

GEICO

$1,157

$1,698

GEICO

$1,161

$2,269

Farmers

$1,167

$1,748

Auto-Owners Insurance Co

$1,183

$2,558

Auto-Owners Insurance Co

$1,185

$2,888

Nationwide

$1,191

$3,896

GEICO

$1,195

$1,951

GEICO

$1,198

$2,216

Travelers

$1,202

$2,413

Travelers

$1,203

$2,405

Travelers

$1,209

$2,831

Auto-Owners Insurance Co

$1,210

$2,664

GEICO

$1,229

$2,038

GEICO

$1,232

$1,808

Nationwide

$1,233

$4,560

Nationwide

$1,253

$3,159

Auto-Owners Insurance Co

$1,264

$3,180

Farmers

$1,277

$2,593

Auto-Owners Insurance Co

$1,284

$3,557

Nationwide

$1,289

$4,869

Auto-Owners Insurance Co

$1,302

$2,815

Nationwide

$1,317

$4,869

Auto-Owners Insurance Co

$1,340

$3,106

Allstate

$1,346

$2,574

Allstate

$1,346

$2,574

Progressive

$1,358

$1,624

Allstate

$1,361

$4,866

Allstate

$1,361

$4,866

Allstate

$1,364

$2,066

Allstate

$1,364

$2,066

Farmers

$1,369

$2,890

Progressive

$1,390

$1,686

Travelers

$1,397

$3,566

Progressive

$1,401

$2,231

GEICO

$1,411

$3,610

Allstate

$1,423

$2,156

Allstate

$1,423

$2,156

Farmers

$1,447

$2,396

Travelers

$1,448

$2,894

Auto-Owners Insurance Co

$1,458

$3,379

Allstate

$1,459

$2,368

Allstate

$1,459

$2,368

GEICO

$1,461

$3,212

Travelers

$1,461

$3,460

Auto-Owners Insurance Co

$1,472

$3,751

GEICO

$1,476

$3,374

Auto-Owners Insurance Co

$1,480

$4,099

Auto-Owners Insurance Co

$1,484

$4,682

Allstate

$1,488

$2,255

Allstate

$1,488

$2,255

Farmers

$1,494

$2,188

Progressive

$1,502

$1,796

Farmers

$1,528

$2,237

GEICO

$1,539

$3,005

Farmers

$1,540

$2,674

Progressive

$1,545

$2,057

GEICO

$1,548

$4,878

Progressive

$1,564

$1,897

Farmers

$1,564

$2,343

Allstate

$1,582

$3,424

Allstate

$1,582

$3,424

GEICO

$1,598

$4,589

Progressive

$1,601

$1,915

Allstate

$1,607

$3,072

Allstate

$1,607

$3,072

Progressive

$1,612

$2,678

Farmers

$1,621

$3,878

Farmers

$1,644

$2,463

Progressive

$1,653

$2,338

Farmers

$1,662

$7,736

Farmers

$1,675

$3,402

Farmers

$1,711

$4,214

Progressive

$1,731

$2,100

Progressive

$1,732

$5,661

Travelers

$1,746

$4,456

Travelers

$1,748

$4,441

Farmers

$1,751

$8,328

Farmers

$1,769

$3,736

GEICO

$1,776

$5,596

Travelers

$1,829

$5,980

Allstate

$1,854

$6,626

Allstate

$1,854

$6,626

Progressive

$1,861

$3,561

GEICO

$1,861

$5,347

GEICO

$1,873

$7,223

Auto-Owners Insurance Co

$1,898

$4,217

Progressive

$1,924

$6,767

Farmers

$1,929

$8,983

Progressive

$1,947

$3,101

Progressive

$1,969

$6,440

Progressive

$1,970

$6,439

Auto-Owners Insurance Co

$2,000

$5,410

GEICO

$2,002

$7,320

Farmers

$2,022

$9,612

Allstate

$2,065

$10,648

Allstate

$2,065

$10,648

Auto-Owners Insurance Co

$2,096

$4,659

Progressive

$2,098

$4,168

Auto-Owners Insurance Co

$2,107

$5,173

Farmers

$2,127

$12,992

Progressive

$2,148

$7,506

Progressive

$2,175

$3,613

Progressive

$2,180

$7,132

Travelers

$2,221

$5,645

Farmers

$2,223

$13,765

Auto-Owners Insurance Co

$2,276

$6,885

Auto-Owners Insurance Co

$2,284

$6,180

Travelers

$2,341

$7,760

State Farm

$4,997

$7,836

State Farm

$5,635

$8,837

State Farm

$5,759

$8,834

State Farm

$5,991

$11,110

State Farm

$6,247

$9,796

State Farm

$6,550

$12,200

State Farm

$6,596

$10,118

State Farm

$7,095

$13,157

State Farm

$7,446

$11,421

State Farm

$7,644

$14,238

State Farm

$7,645

$16,279

State Farm

$8,124

$14,802

State Farm

$8,901

$18,857

State Farm

$9,680

$17,636

State Farm

$9,682

$20,482

State Farm

$10,296

$21,813

State Farm

$10,358

$25,163

State Farm

$11,380

$23,772

State Farm

$13,199

$27,571

State Farm

$13,257

$31,731

Teens under 18 cannot legally purchase car insurance without a parent or guardian as a co-signer. And they would not want to purchase their own policy because it is much more expensive than being on a family policy.

In Cleveland, a 16-year-old male teen’s policy is approximately $5,355 annually for full coverage. However, by joining a family policy, the cost is roughly $2,527 less per year at $2,828.

Make sure to compare quotes from multiple companies to get cheap car insurance for teens and explore what discounts they may offer to lower the family policy’s premium.

Cheapest Car Insurance in Cleveland for Military Drivers

When searching for affordable auto insurance for military members, we found the average cheapest quotes in Cleveland from the following companies:

  • USAA: $486 per year
  • Nationwide: $528 per year

The above prices are for a full coverage policy. For active-duty military and veterans that want a minimum coverage policy, USAA is the cheapest at around $202 per year. But Erie comes in second place with an approximate yearly cost of $217.

Company
Annual Premium
Monthly Premium

USAA

$202

$17

Erie

$211

$18

USAA

$212

$18

Erie

$217

$18

Progressive

$247

$21

Nationwide

$259

$22

Auto-Owners Insurance Co

$262

$22

USAA

$263

$22

Auto-Owners Insurance Co

$264

$22

Progressive

$267

$22

Nationwide

$270

$23

Erie

$272

$23

American Family

$315

$26

American Family

$317

$26

American Family

$324

$27

Grange Insurance

$333

$28

Progressive

$335

$28

Nationwide

$336

$28

Grange Insurance

$339

$28

GEICO

$341

$28

Westfield

$344

$29

Cincinnati Insurance

$351

$29

Cincinnati Insurance

$364

$30

Grange Insurance

$374

$31

Auto-Owners Insurance Co

$374

$31

Westfield

$379

$32

GEICO

$387

$32

Westfield

$403

$34

Travelers

$403

$34

Travelers

$431

$36

Cincinnati Insurance

$433

$36

GEICO

$442

$37

Travelers

$458

$38

Farmers

$465

$39

USAA

$472

$39

Farmers

$482

$40

USAA

$486

$40

Nationwide

$490

$41

Nationwide

$528

$44

American Family

$547

$46

Farmers

$549

$46

Auto-Owners Insurance Co

$566

$47

American Family

$576

$48

Allstate

$580

$48

Auto-Owners Insurance Co

$591

$49

Allstate

$594

$50

American Family

$597

$50

Erie

$611

$51

Erie

$624

$52

USAA

$635

$53

Nationwide

$638

$53

GEICO

$651

$54

Grange Insurance

$660

$55

Allstate

$664

$55

Progressive

$665

$55

GEICO

$689

$57

Grange Insurance

$716

$60

Progressive

$725

$60

Cincinnati Insurance

$740

$62

Travelers

$754

$63

Travelers

$756

$63

Farmers

$787

$66

Erie

$788

$66

Grange Insurance

$796

$66

Westfield

$803

$67

Cincinnati Insurance

$804

$67

Westfield

$807

$67

Farmers

$809

$67

Auto-Owners Insurance Co

$850

$71

GEICO

$879

$73

Travelers

$889

$74

Allstate

$906

$76

Progressive

$942

$78

Allstate

$952

$79

Farmers

$973

$81

Cincinnati Insurance

$976

$81

Westfield

$1,040

$87

Allstate

$1,159

$97

State Farm

$2,320

$193

State Farm

$2,465

$205

State Farm

$3,004

$250

State Farm

$3,409

$284

State Farm

$3,643

$304

State Farm

$4,610

$384

How to Compare Cheap Cleveland Car Insurance Quotes Online

Drivers in Cleveland can find the most affordable auto insurance by comparing quotes. This process might require patience as you navigate numerous online quote tools of car insurance companies — they can take 15 minutes or more each to complete because of the personal information you must provide.

MoneyGeek provides a free car insurance calculator that can help you select the cheapest insurance company. Just enter your age, vehicle type, coverage level and driving history to view ballpark estimates of your auto insurance premium with multiple companies in Cleveland.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Click the section of the wheel in your price range to see options.

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Click an insurer below to visit their review page or continue to your personalized quote.

USAA

Cheapest Car Insurance in Cleveland for Young Adults

In Cleveland, the average cheapest full coverage auto insurance policy for young adult drivers is with the following insurers:

  • American Family: $597 per year
  • Nationwide: $638 per year

At around $4,610 per year, State Farm’s full coverage policy is the most expensive for young adults in Cleveland.

Your age is a factor when determining car insurance costs, and younger drivers tend to pay more. On average, a full coverage policy for a 25-year-old in Cleveland costs $1,164 per year, whereas a 40-year-old driver pays around $937 annually. That’s a difference of roughly $227 yearly.

Company
Annual Premium
Monthly Premium

Erie

$211

$18

Erie

$217

$18

Progressive

$247

$21

Nationwide

$259

$22

Auto-Owners Insurance Co

$262

$22

Auto-Owners Insurance Co

$264

$22

Progressive

$267

$22

Nationwide

$270

$23

Erie

$272

$23

American Family

$315

$26

American Family

$317

$26

American Family

$324

$27

Grange Insurance

$333

$28

Progressive

$335

$28

Nationwide

$336

$28

Grange Insurance

$339

$28

GEICO

$341

$28

Westfield

$344

$29

Cincinnati Insurance

$351

$29

Cincinnati Insurance

$364

$30

Grange Insurance

$374

$31

Auto-Owners Insurance Co

$374

$31

Westfield

$379

$32

GEICO

$387

$32

Westfield

$403

$34

Travelers

$403

$34

Travelers

$431

$36

Cincinnati Insurance

$433

$36

GEICO

$442

$37

Travelers

$458

$38

Farmers

$465

$39

Farmers

$482

$40

Nationwide

$490

$41

Nationwide

$528

$44

American Family

$547

$46

Farmers

$549

$46

Auto-Owners Insurance Co

$566

$47

American Family

$576

$48

Allstate

$580

$48

Auto-Owners Insurance Co

$591

$49

Allstate

$594

$50

American Family

$597

$50

Erie

$611

$51

Erie

$624

$52

Nationwide

$638

$53

GEICO

$651

$54

Grange Insurance

$660

$55

Allstate

$664

$55

Progressive

$665

$55

GEICO

$689

$57

Grange Insurance

$716

$60

Progressive

$725

$60

Cincinnati Insurance

$740

$62

Travelers

$754

$63

Travelers

$756

$63

Farmers

$787

$66

Erie

$788

$66

Grange Insurance

$796

$66

Westfield

$803

$67

Cincinnati Insurance

$804

$67

Westfield

$807

$67

Farmers

$809

$67

Auto-Owners Insurance Co

$850

$71

GEICO

$879

$73

Travelers

$889

$74

Allstate

$906

$76

Progressive

$942

$78

Allstate

$952

$79

Farmers

$973

$81

Cincinnati Insurance

$976

$81

Westfield

$1,040

$87

Allstate

$1,159

$97

State Farm

$2,320

$193

State Farm

$2,465

$205

State Farm

$3,004

$250

State Farm

$3,409

$284

State Farm

$3,643

$304

State Farm

$4,610

$384

Cheapest Car Insurance in Cleveland for Seniors

For seniors seeking a full coverage car insurance policy in Cleveland, the following are the cheapest options:

  • Nationwide: $490 per year
  • American Family: $547 per year

The above companies offer the average cheapest full coverage car insurance for senior drivers in Cleveland. In contrast, State Farm offers the most expensive policy, priced at around $3,409 per year.

Senior drivers generally pay more for car insurance than younger drivers, but in Cleveland, MoneyGeek found that they pay less for full coverage. On average, a 40-year-old driver pays $937 annually, and a 65-year-old pays $895 — that is $42 less a year.

Company
Annual Premium
Monthly Premium

Erie

$211

$18

Erie

$217

$18

Progressive

$247

$21

Nationwide

$259

$22

Auto-Owners Insurance Co

$262

$22

Auto-Owners Insurance Co

$264

$22

Progressive

$267

$22

Nationwide

$270

$23

Erie

$272

$23

American Family

$315

$26

American Family

$317

$26

American Family

$324

$27

Grange Insurance

$333

$28

Progressive

$335

$28

Nationwide

$336

$28

Grange Insurance

$339

$28

GEICO

$341

$28

Westfield

$344

$29

Cincinnati Insurance

$351

$29

Cincinnati Insurance

$364

$30

Grange Insurance

$374

$31

Auto-Owners Insurance Co

$374

$31

Westfield

$379

$32

GEICO

$387

$32

Westfield

$403

$34

Travelers

$403

$34

Travelers

$431

$36

Cincinnati Insurance

$433

$36

GEICO

$442

$37

Travelers

$458

$38

Farmers

$465

$39

Farmers

$482

$40

Nationwide

$490

$41

Nationwide

$528

$44

American Family

$547

$46

Farmers

$549

$46

Auto-Owners Insurance Co

$566

$47

American Family

$576

$48

Allstate

$580

$48

Auto-Owners Insurance Co

$591

$49

Allstate

$594

$50

American Family

$597

$50

Erie

$611

$51

Erie

$624

$52

Nationwide

$638

$53

GEICO

$651

$54

Grange Insurance

$660

$55

Allstate

$664

$55

Progressive

$665

$55

GEICO

$689

$57

Grange Insurance

$716

$60

Progressive

$725

$60

Cincinnati Insurance

$740

$62

Travelers

$754

$63

Travelers

$756

$63

Farmers

$787

$66

Erie

$788

$66

Grange Insurance

$796

$66

Westfield

$803

$67

Cincinnati Insurance

$804

$67

Westfield

$807

$67

Farmers

$809

$67

Auto-Owners Insurance Co

$850

$71

GEICO

$879

$73

Travelers

$889

$74

Allstate

$906

$76

Progressive

$942

$78

Allstate

$952

$79

Farmers

$973

$81

Cincinnati Insurance

$976

$81

Westfield

$1,040

$87

Allstate

$1,159

$97

State Farm

$2,320

$193

State Farm

$2,465

$205

State Farm

$3,004

$250

State Farm

$3,409

$284

State Farm

$3,643

$304

State Farm

$4,610

$384

Cheapest Car Insurance in Cleveland for Poor Credit

The companies in Cleveland offering the average cheapest full coverage auto insurance for drivers with poor credit are:

  • Nationwide: $708 per year
  • Grange: $908 per year

State Farm has the most expensive full coverage policy with bad credit in Cleveland, averaging $8,153 per year.

Drivers with poor credit in Cleveland pay around $803 or 86% more yearly than drivers with good credit.

Company
Annual Premium
Monthly Premium

Nationwide

$348

$29

Nationwide

$364

$30

Progressive

$416

$35

Grange Insurance

$428

$36

Grange Insurance

$432

$36

Erie

$436

$36

Erie

$447

$37

Progressive

$454

$38

Nationwide

$457

$38

Grange Insurance

$468

$39

GEICO

$484

$40

American Family

$520

$43

American Family

$521

$43

Cincinnati Insurance

$529

$44

American Family

$547

$46

Cincinnati Insurance

$551

$46

GEICO

$555

$46

Erie

$560

$47

Progressive

$562

$47

Travelers

$634

$53

Westfield

$636

$53

GEICO

$644

$54

Nationwide

$652

$54

Cincinnati Insurance

$654

$55

Travelers

$663

$55

Farmers

$688

$57

Westfield

$701

$58

Nationwide

$708

$59

Travelers

$715

$60

Farmers

$715

$60

Auto-Owners Insurance Co

$716

$60

Auto-Owners Insurance Co

$721

$60

Westfield

$748

$62

Allstate

$788

$66

Allstate

$812

$68

Farmers

$814

$68

Grange Insurance

$836

$70

Nationwide

$865

$72

Grange Insurance

$908

$76

American Family

$920

$77

Allstate

$932

$78

American Family

$970

$81

GEICO

$973

$81

Grange Insurance

$1,010

$84

American Family

$1,018

$85

Auto-Owners Insurance Co

$1,023

$85

GEICO

$1,034

$86

Cincinnati Insurance

$1,117

$93

Progressive

$1,168

$97

Travelers

$1,182

$99

Travelers

$1,198

$100

Cincinnati Insurance

$1,211

$101

Farmers

$1,260

$105

Progressive

$1,276

$106

Farmers

$1,290

$108

GEICO

$1,334

$111

Allstate

$1,354

$113

Erie

$1,374

$115

Travelers

$1,382

$115

Erie

$1,400

$117

Allstate

$1,435

$120

Westfield

$1,447

$121

Westfield

$1,456

$121

Cincinnati Insurance

$1,476

$123

Farmers

$1,554

$129

Auto-Owners Insurance Co

$1,581

$132

Progressive

$1,656

$138

Auto-Owners Insurance Co

$1,656

$138

Erie

$1,768

$147

Allstate

$1,790

$149

Westfield

$1,865

$155

Auto-Owners Insurance Co

$2,388

$199

State Farm

$5,193

$433

State Farm

$5,518

$460

State Farm

$6,723

$560

State Farm

$7,630

$636

State Farm

$8,153

$679

State Farm

$10,317

$860

A driver with poor credit or a poor credit-based insurance score typically faces a higher car insurance premium due to their increased likelihood of filing claims.

To reduce the cost of car insurance in Cleveland, work on improving your credit score. It’s as easy as making payments on time each month on your credit cards and other bills.

There are other options to explore that provide a quicker result, too, such as getting discounts from an auto insurance company — examples include bundling insurance policies, maintaining a clean record or having airbags in your car. Comparing quotes from multiple insurers will also help you find a more affordable rate.

Cheapest Car Insurance in Cleveland for Sports Cars

In Cleveland, the following companies offer the most affordable full coverage auto insurance for sports cars:

  • American Family: $532 per year
  • Auto-Owners: $600 per year

State Farm has the priciest full coverage sports car policy in Cleveland, averaging $4,383 a year.

It’s not uncommon to pay more for car insurance with a sports car. For example, drivers of a standard Toyota Camry pay an average premium of $937 per year in Cleveland for full coverage, roughly $210 cheaper than Ford Mustang sports car owners, who pay around $1,147 a year.

Company
Annual Premium
Monthly Premium

Progressive

$228

$19

Progressive

$255

$21

Auto-Owners Insurance Co

$262

$22

Auto-Owners Insurance Co

$263

$22

Nationwide

$277

$23

GEICO

$286

$24

Nationwide

$288

$24

American Family

$310

$26

American Family

$312

$26

American Family

$319

$27

GEICO

$322

$27

Progressive

$327

$27

Travelers

$353

$29

Nationwide

$359

$30

Farmers

$360

$30

GEICO

$364

$30

Farmers

$374

$31

Auto-Owners Insurance Co

$374

$31

Travelers

$376

$31

Travelers

$400

$33

Farmers

$424

$35

American Family

$508

$42

Allstate

$523

$44

American Family

$532

$44

Allstate

$534

$45

American Family

$549

$46

Auto-Owners Insurance Co

$578

$48

Allstate

$593

$49

Auto-Owners Insurance Co

$600

$50

Nationwide

$641

$53

Nationwide

$704

$59

Farmers

$711

$59

Travelers

$715

$60

Travelers

$721

$60

Farmers

$748

$62

GEICO

$756

$63

GEICO

$761

$63

Progressive

$776

$65

Travelers

$849

$71

Nationwide

$857

$71

Auto-Owners Insurance Co

$866

$72

Farmers

$904

$75

Allstate

$905

$75

Progressive

$918

$77

Allstate

$959

$80

GEICO

$1,026

$86

Allstate

$1,179

$98

Progressive

$1,250

$104

State Farm

$2,575

$215

State Farm

$2,736

$228

State Farm

$3,334

$278

State Farm

$4,099

$342

State Farm

$4,383

$365

State Farm

$5,606

$467

To represent a sports car when collecting quotes in Cleveland, MoneyGeek used a Ford Mustang. Depending on the make and model of your sports car, the rate may vary from our findings. But sports, electric and luxury cars do tend to cost the most for car insurance.

Average Cost of Car Insurance in Cleveland

In Cleveland, the average cost of auto insurance is $937 per year for full coverage with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident.

That makes the city only $4 more expensive than the average annual cost of car insurance in Ohio, which is $933 for full coverage. The national average yearly premium is $1,265, which is $328 higher than Cleveland’s average.

In other major Ohio cities, car insurance is more expensive than in Cleveland. For example, Cincinnati drivers with full coverage pay around $1,024 a year. And in Toledo, they pay roughly $1,044.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Columbus

$917

$498

Akron

$918

$498

Dayton

$933

$499

Cleveland

$937

$511

Cincinnati

$1,024

$558

Toledo

$1,044

$577

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.