Cheapest Car Insurance Companies in Cleveland, OH (2024 Rates)


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Updated: October 3, 2024

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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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2024

Cheapest Car Insurance in Cleveland, OH

Why Trust MoneyGeek? Cleveland auto insurance rates are determined using data and information obtained from the Ohio Department of Insurance and Quadrant Information Services.

60,776Quotes Analyzed
 
14Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
ErieAnnual Premium$217Monthly Premium$18
Auto-Owners Insurance CoAnnual Premium$262Monthly Premium$22
ProgressiveAnnual Premium$267Monthly Premium$22
NationwideAnnual Premium$270Monthly Premium$23
American FamilyAnnual Premium$315Monthly Premium$26
Grange InsuranceAnnual Premium$339Monthly Premium$28
GEICOAnnual Premium$341Monthly Premium$28
WestfieldAnnual Premium$344Monthly Premium$29
Cincinnati InsuranceAnnual Premium$364Monthly Premium$30
TravelersAnnual Premium$403Monthly Premium$34
FarmersAnnual Premium$465Monthly Premium$39
AllstateAnnual Premium$594Monthly Premium$50
State FarmAnnual Premium$2,465Monthly Premium$205

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$528Monthly Premium$44
American FamilyAnnual Premium$576Monthly Premium$48
Auto-Owners Insurance CoAnnual Premium$591Monthly Premium$49
ErieAnnual Premium$624Monthly Premium$52
GEICOAnnual Premium$651Monthly Premium$54
Grange InsuranceAnnual Premium$716Monthly Premium$60
ProgressiveAnnual Premium$725Monthly Premium$60
TravelersAnnual Premium$754Monthly Premium$63
WestfieldAnnual Premium$803Monthly Premium$67
Cincinnati InsuranceAnnual Premium$804Monthly Premium$67
FarmersAnnual Premium$809Monthly Premium$67
AllstateAnnual Premium$952Monthly Premium$79
State FarmAnnual Premium$3,643Monthly Premium$304

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.

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Auto-Owners Insurance CoAnnual Premium$591Monthly Premium$49
NationwideAnnual Premium$676Monthly Premium$56
ErieAnnual Premium$679Monthly Premium$57
American FamilyAnnual Premium$726Monthly Premium$60
GEICOAnnual Premium$807Monthly Premium$67
Cincinnati InsuranceAnnual Premium$949Monthly Premium$79
ProgressiveAnnual Premium$949Monthly Premium$79
WestfieldAnnual Premium$961Monthly Premium$80
Grange InsuranceAnnual Premium$1,033Monthly Premium$86
FarmersAnnual Premium$1,045Monthly Premium$87
TravelersAnnual Premium$1,066Monthly Premium$89
AllstateAnnual Premium$1,163Monthly Premium$97
State FarmAnnual Premium$4,041Monthly Premium$337

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.

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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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,108Individual Plan Monthly Premium$3,741
TravelersFamily Plan Annual Premium$1,829Individual Plan Monthly Premium$5,980
GEICOFamily Plan Annual Premium$1,873Individual Plan Monthly Premium$7,223
ProgressiveFamily Plan Annual Premium$1,924Individual Plan Monthly Premium$6,767
AllstateFamily Plan Annual Premium$2,065Individual Plan Monthly Premium$10,648
Auto-Owners Insurance CoFamily Plan Annual Premium$2,107Individual Plan Monthly Premium$5,173
FarmersFamily Plan Annual Premium$2,127Individual Plan Monthly Premium$12,992
State FarmFamily Plan Annual Premium$10,358Individual Plan Monthly Premium$25,163

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$486Monthly Premium$40
NationwideAnnual Premium$528Monthly Premium$44
American FamilyAnnual Premium$576Monthly Premium$48
Auto-Owners Insurance CoAnnual Premium$591Monthly Premium$49
ErieAnnual Premium$624Monthly Premium$52
GEICOAnnual Premium$651Monthly Premium$54
Grange InsuranceAnnual Premium$716Monthly Premium$60
ProgressiveAnnual Premium$725Monthly Premium$60
TravelersAnnual Premium$754Monthly Premium$63
WestfieldAnnual Premium$803Monthly Premium$67
Cincinnati InsuranceAnnual Premium$804Monthly Premium$67
FarmersAnnual Premium$809Monthly Premium$67
AllstateAnnual Premium$952Monthly Premium$79
State FarmAnnual Premium$3,643Monthly Premium$304

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.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 04, 2024

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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.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$597Monthly Premium$50
NationwideAnnual Premium$638Monthly Premium$53
ErieAnnual Premium$788Monthly Premium$66
Grange InsuranceAnnual Premium$796Monthly Premium$66
Auto-Owners Insurance CoAnnual Premium$850Monthly Premium$71
GEICOAnnual Premium$879Monthly Premium$73
TravelersAnnual Premium$889Monthly Premium$74
ProgressiveAnnual Premium$942Monthly Premium$78
FarmersAnnual Premium$973Monthly Premium$81
Cincinnati InsuranceAnnual Premium$976Monthly Premium$81
WestfieldAnnual Premium$1,040Monthly Premium$87
AllstateAnnual Premium$1,159Monthly Premium$97
State FarmAnnual Premium$4,610Monthly Premium$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.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$490Monthly Premium$41
American FamilyAnnual Premium$547Monthly Premium$46
Auto-Owners Insurance CoAnnual Premium$566Monthly Premium$47
ErieAnnual Premium$611Monthly Premium$51
Grange InsuranceAnnual Premium$660Monthly Premium$55
ProgressiveAnnual Premium$665Monthly Premium$55
GEICOAnnual Premium$689Monthly Premium$57
Cincinnati InsuranceAnnual Premium$740Monthly Premium$62
TravelersAnnual Premium$756Monthly Premium$63
FarmersAnnual Premium$787Monthly Premium$66
WestfieldAnnual Premium$807Monthly Premium$67
AllstateAnnual Premium$906Monthly Premium$76
State FarmAnnual Premium$3,409Monthly Premium$284

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$708Monthly Premium$59
Grange InsuranceAnnual Premium$908Monthly Premium$76
American FamilyAnnual Premium$970Monthly Premium$81
GEICOAnnual Premium$973Monthly Premium$81
TravelersAnnual Premium$1,182Monthly Premium$99
Cincinnati InsuranceAnnual Premium$1,211Monthly Premium$101
ProgressiveAnnual Premium$1,276Monthly Premium$106
FarmersAnnual Premium$1,290Monthly Premium$108
ErieAnnual Premium$1,400Monthly Premium$117
AllstateAnnual Premium$1,435Monthly Premium$120
WestfieldAnnual Premium$1,447Monthly Premium$121
Auto-Owners Insurance CoAnnual Premium$1,656Monthly Premium$138
State FarmAnnual Premium$8,153Monthly Premium$679

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$532Monthly Premium$44
Auto-Owners Insurance CoAnnual Premium$600Monthly Premium$50
NationwideAnnual Premium$704Monthly Premium$59
TravelersAnnual Premium$721Monthly Premium$60
FarmersAnnual Premium$748Monthly Premium$62
GEICOAnnual Premium$756Monthly Premium$63
ProgressiveAnnual Premium$918Monthly Premium$77
AllstateAnnual Premium$959Monthly Premium$80
State FarmAnnual Premium$4,383Monthly Premium$365

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.

ColumbusFull Coverage Average Annual Premium$917Minimum Coverage Average Annual Premium$498
AkronFull Coverage Average Annual Premium$918Minimum Coverage Average Annual Premium$498
DaytonFull Coverage Average Annual Premium$933Minimum Coverage Average Annual Premium$499
ClevelandFull Coverage Average Annual Premium$937Minimum Coverage Average Annual Premium$511
CincinnatiFull Coverage Average Annual Premium$1,024Minimum Coverage Average Annual Premium$558
ToledoFull Coverage Average Annual Premium$1,044Minimum Coverage Average Annual Premium$577

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.