In Cleveland, State Farm stands out for its blend of affordability, coverage and service, earning top marks among best homeowners insurance companies nationally for its claims handling and reliability.. For those focused on price, State Farm has the lowest premiums starting at $183 per month.
Cheap Home Insurance in Cleveland
Updated: October 30, 2025
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Key Takeaways
State Farm provides the best overall value for homeowners in Cleveland while also delivering the most affordable coverage at $2,198 annually.
Home insurance in Cleveland costs an average of $417 per month, adding up to $5,003 per year.
To get the best and cheapest home insurance in Cleveland, determine your coverage needs beforehand, research costs and companies, and compare multiple quotes on an apples-to-apples basis.
Best Cheap Home Insurance Companies in Cleveland
| State Farm | 92 | $183 | $2,198 |
| American Family | 91 | $224 | $2,690 |
| Nationwide | 81 | $222 | $2,663 |
| Farmers | 75 | $285 | $3,422 |
| Allstate | 66 | $318 | $3,814 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Cleveland Home Insurance Cost?
Home insurance costs in Cleveland vary based on your personal profile, coverage level and home details. Monthly insurance rates range from $168 to $1,380. Below, you can explore rates tailored to your home's age and the coverage level you need.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $168 | $2,021 |
How to Get the Best Cheap Home Insurance in Cleveland
Finding affordable home insurance in Cleveland can be tough. We've created a step-by-step guide to help you secure the best cheap homeowners insurance tailored to your needs.
- 1Decide on Coverage Beforehand
Determine your home insurance coverage needs beforehand to compare quotes easily and prevents you from being oversold by agents.
- 2Research Cost and Discounts
Home insurance costs can shift significantly depending on where you live in Ohio. Checking out best homeowners insurance in Ohio can give you a solid benchmark for which companies consistently offer reliable coverage and strong customer service across the state, before narrowing your search to Cleveland-specific providers.
- 3Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes apples-to-apples will allow you to identify the best option for you. Pricing varies depending on where you get your quote, so we recommend using online tools and contacting independent agents and captive agents to get quotes and ensure you get the lowest price.
Best Home Insurance in Cleveland: Bottom Line
Based on our findings, the top three best and cheapest home insurance providers in Cleveland are State Farm, American Family and Nationwide. While these are our recommendations for Cleveland, pricing can vary across the state. If you’re comparing options beyond the city, our guide to cheap homeowners insurance in Ohio breaks down which insurers consistently offer the lowest premiums and most flexible coverage statewide.
Cleveland Home Insurance: FAQ
Below, we answer frequently asked questions about home insurance in Cleveland.
Who offers the best home insurance in Cleveland?
State Farm is the top home insurance provider in Cleveland, offering low rates, excellent customer service and extensive coverage options. Also consider requesting quotes from American Family, Nationwide, Farmers and Allstate when shopping for coverage.
Who has the cheapest home insurance in Cleveland?
State Farm delivers the most affordable home insurance for the average Cleveland homeowner, with average costs of $183 monthly or $2,198 annually. Your individual rate may differ based on personal factors, home features and chosen coverage.
What does home insurance cost in Cleveland?
Home insurance costs in Cleveland range from $2,021 to $16,563 annually, based on the property's age and coverage level.
How We Decided the Best Cheap Home Insurance Companies in Cleveland
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Cleveland. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.