Cheapest Auto Insurance in Cleveland, Ohio (2024)

Mile Auto offers the cheapest car insurance in Cleveland, with minimum-coverage policies as low as $43 per month.

Emily Guy Birken
Emily Guy Birken
  • Plutus Award winner

  • 12+ years writing about insurance and personal finance

Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated October 30, 2024

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Cheapest recent rates near Cleveland, Ohio

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $32/mo for full coverage in Cleveland and other Ohio cities.

*Quotes generated for Insurify users in and around Cleveland, Ohio within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Cleveland, Ohio within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The Rock ’n’ Roll Capital of the World has a relatively high average insurance rate of $137 per month, partly thanks to its population density. Cleveland drivers can find the cheapest full-coverage rates from Mile Auto at $65, and the cheapest liability-only coverage from Mile Auto at $43.

But you should always compare car insurance quotes from multiple companies before buying a policy. The best option for your needs will depend on your age, marital status, driving history, coverage needs, and various other factors.

Quick Facts
  • Ohio is an at-fault state with a 51% modified comparative fault rule, which may limit your ability to sue for damages following an accident. 

  • Cleveland ties with Cincinnati for the third-highest insurance costs among eight major cities in the Buckeye State.

  • Operating a vehicle while intoxicated (OVI) in Ohio carries an automatic penalty of six points on your license.

3 of the cheapest car insurance companies in Cleveland

Finding the best rate for car insurance in Cleveland will depend on several factors since every insurer uses different criteria to determine car insurance rates. An insurer may include factors like your gender, marital status, ZIP code, driving history, and credit record to calculate your rates. And the weight of each of these factors often varies from one insurer to the next.

Cleveland drivers should start comparison shopping with top auto insurers, including State Farm, Auto-Owners, and Erie. Each one of these companies offers distinct benefits to their customers while also charging a lower average monthly rate than the Cleveland average of $137 per month.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm9.3$69$38Cheap rates
Auto-Owners8.5$80$44Optional coverages
Erie9.0$80$44Customer satisfaction
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$84/mo
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)

Jannie

October 29, 2024

Verified Review

Good

The insurance is higher than other companies' policies.

Marsha

October 29, 2024

Verified Review

Friendly agents!

Check out their prices!

Linda

October 29, 2024

Verified Review

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Founded more than 100 years ago, State Farm the largest U.S. auto insurer by market share. It offers affordable rates and a variety of discounts and coverages.

Pros
  • High J.D. Power customer satisfaction ratings for the insurance-shopping process

  • Plenty of discounts

Cons
  • Can’t purchase a policy online – must work with a State Farm exclusive local agent

  • Customer service not available 24/7

Best insurer for optional coverages: Auto-Owners

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo
4.0
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (86)

Ronald W

October 29, 2024

Verified Review

They Cancelled Our Home Insurance

We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.

Martha

October 28, 2024

Verified Review

Good

The premiums keep increasing.

Lawrence

October 24, 2024

Verified Review

Honest Answers to Questions

Please refer to my answers to the previous questions.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Since its founding in 1916, Auto-Owners has offered affordable policies and generous discounts to its customers. It's a good choice for Cleveland drivers who want a to customize their coverages. In addition to liability and full coverage, Auto-owners offers options like accident forgiveness, gap coverage, MedPay, diminished value, and roadside assistance coverages.

Pros
  • Numerous optional coverages available

  • Plenty of discounts for customers

Cons
  • No online quotes available on the Auto-Owners site — must work with an independent agent

  • Lower mobile app rating than some competitors

Best insurer for customer satisfaction: Erie

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo
4.1
Best choiceBased on 231 verified guest reviews and ratings
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (119)

Satina

October 28, 2024

Verified Review

Erie Insurance Unreliable

The service is not good, and they are unclear about some policy benefits like 24-hour towing, which is non-existent but included in the policy.

Lana

October 25, 2024

Verified Review

Expensive but Efficient Company

Erie provides excellent claims service if you ever need it, but their rates are fairly expensive. I've been with them for 55 years.

Shannon

October 19, 2024

Verified Review

Could be Better

I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Erie has excellent customer service, as showcased by J.D. Power’s 2023 U.S. Auto Insurance Study, which ranks the insurer among the best for customer satisfaction in the North Central region.

Pros
  • Allows you to lock in your premium with Erie Rate Lock

  • Accident forgiveness and diminishing deductibles available

Cons
  • Only 2.2 (out of 5) stars on Trustpilot

  • Usage-based insurance premiums not available

How to get the cheapest car insurance in Cleveland

Insurers use more than a dozen rating factors to determine your premium, including your driving history, age, marital status, credit score, and ZIP code. Drivers will have to shop around and compare quotes to find the cheapest car insurance in Cleveland since the underwriting process varies from one company to the next.

You can pursue several other strategies to help reduce premiums:

Find Car Insurance in Cleveland, Ohio

Liability rates start at $43 per month

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Based on 3,806+ reviews
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Cheapest liability-only car insurance in Cleveland: Mile Auto

Liability car insurance pays to repair or replace the other party’s damaged vehicle and associated medical costs. If you damage your car in an accident, your liability-only coverage won’t pay to repair or replace it.

The average cost of liability-only car insurance in Cleveland is $90. The following companies have the cheapest liability-only car insurance in the northeast Ohio city.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote
Mile Auto$43
Hugo$47
State Farm$47
Auto-Owners$54
Erie$54
GEICO$59
USAA$60
Safeco$62
American Family$67
Midvale Home & Auto$69
Clearcover$70
Nationwide$70
Elephant$71
Progressive$77
The General$87
Commonwealth Casualty$89
Liberty Mutual$91
Dairyland$94
Direct Auto$99
National General$102
Allstate$103
CSAA$107
GAINSCO$109
Travelers$111
Farmers$114
Root$133
Bristol West$137
State Auto$157
Foremost$168
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Cleveland: Mile Auto

On average, Cleveland drivers pay $184 for full coverage.

Full-coverage car insurance is good for drivers who need more protection since it includes collision and comprehensive coverages. Collision coverage pays to repair or replace your vehicle if it’s damaged in an accident you caused. Comprehensive coverage pays to repair or replace your vehicle after something other than an accident damages your car, such as severe weather, theft, vandalism, or flooding.

If you have a car loan or a leased vehicle, your lender or leasing company will require you to carry full-coverage insurance. The following insurers offer the cheapest full-coverage car insurance in Cleveland:

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote
Mile Auto$65
State Farm$84
Auto-Owners$99
Erie$99
Elephant$100
Safeco$102
GEICO$107
USAA$109
Midvale Home & Auto$117
Clearcover$119
American Family$121
Nationwide$126
Progressive$139
Liberty Mutual$168
Hugo$171
National General$173
Direct Auto$174
The General$181
Allstate$186
CSAA$190
Travelers$202
Root$204
Farmers$208
GAINSCO$209
Commonwealth Casualty$221
State Auto$225
Dairyland$252
Bristol West$302
Foremost$376
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Cleveland, Ohio

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $32/mo for full coverage in Cleveland and other Ohio cities.

*Quotes generated for Insurify users in and around Cleveland, Ohio within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Cleveland, Ohio within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Ohio

Ohio is an at-fault state for auto insurance. Under this kind of insurance rule, the driver who caused the accident must pay for the other party’s damages, usually through their insurer.

In addition, Ohio’s 51% modified comparative fault rule means that someone who is more than 50% responsible for causing an accident can’t sue any other party for damages.[1]

All Ohio drivers are legally required to carry minimum liability insurance in the following amounts for bodily injury and property damage liability coverage:[2]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

These are relatively low coverage minimums. If you want more protection, consider increasing your liability limits and carrying the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    The Ohio government estimates that as many as 15% of drivers in the Buckeye State have no auto insurance.[3] Many others only carry the legal minimum, which may not be enough coverage if they cause an accident. Uninsured/underinsured motorist coverage will protect you if you get into an accident with a driver without sufficient insurance.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance will pay for the damage to your vehicle if you cause an accident with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance will pay to repair or replace your car if it’s damaged due to something other than an accident, including theft, vandalism, fire, severe weather, and cracked windshields.

Cheapest car insurance for drivers with an incident

Finding the cheapest car insurance after an incident can be challenging. Common incidents include speeding tickets, at-fault accidents, and OVIs. Even one incident on your driving record could cause your insurer to increase your premiums or even refuse to continue your coverage.

Having one or more incidents on your record doesn’t necessarily mean you’re stuck paying more than you can afford. Plenty of insurers still offer rates for drivers with blemishes on their driving history. Here’s how you can find the cheapest car insurance after an incident in Cleveland.

Shop for Car Insurance in Cleveland

Monthly rates start at $56 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Even a single speeding ticket can increase your car insurance premiums. Insurers take this infraction seriously because of how dangerous excess speed can be. The National Highway Traffic Safety Administration found that 25% of Ohio traffic deaths in 2021 were speeding-related.[4]

The average cost of car insurance with a speeding ticket in Cleveland is $273 for full coverage and $133 for liability only. If you have a citation for driving over the speed limit, you’ll find the cheapest car insurance in Cleveland from these companies:

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Clean Driving Record
With Speeding Ticket
Hugo$47$62
State Farm$47$62
Auto-Owners$54$72
Erie$54$74
GEICO$59$79
USAA$60$80
Safeco$62$84
American Family$67$89
Clearcover$70$95
Nationwide$70$94
Elephant$71$102
Progressive$77$102
The General$87$117
Commonwealth Casualty$89$128
Liberty Mutual$91$131
Dairyland$94$126
Direct Auto$99$132
National General$102$137
Allstate$103$137
CSAA$107$146
GAINSCO$109$157
Travelers$111$149
Farmers$114$151
Root$133$189
Bristol West$137$183
State Auto$157$227
Foremost$168$242
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

Having an at-fault accident on your driving record will often cause your insurer to raise your rates since the underwriters may now consider you to be a higher risk. Depending on the severity and circumstances of the accident and your driving history, your insurer may even non-renew your policy after an at-fault accident.

On average, Cleveland drivers pay $205 for car insurance after an accident. The following insurers have the cheapest car insurance for drivers with an at-fault accident in Cleveland:

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Clean Driving Record
With Accident
Hugo$47$69
State Farm$47$64
Auto-Owners$54$75
Erie$54$76
GEICO$59$81
USAA$60$83
Safeco$62$84
American Family$67$92
Clearcover$70$103
Nationwide$70$97
Elephant$71$96
Progressive$77$107
The General$87$122
Commonwealth Casualty$89$120
Liberty Mutual$91$134
Dairyland$94$129
Direct Auto$99$139
National General$102$141
Allstate$103$142
CSAA$107$153
GAINSCO$109$144
Travelers$111$154
Farmers$114$156
Root$133$195
Bristol West$137$187
State Auto$157$236
Foremost$168$248
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an OVI: State Farm

Receiving an OVI citation will result in a fine and six points on your Ohio driver’s license.[5] In some cases, Cleveland drivers with an OVI will also see increased insurance premiums or even a loss of coverage.

Cleveland drivers with clean records pay an overall average of $137 per month for car insurance. Drivers with an OVI pay a monthly average of $232. This doesn’t mean you’re completely out of luck after an OVI. The following insurers offer the cheapest car insurance for drivers with an OVI in Cleveland:

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Clean Driving Record
With DUI
Hugo$47$79
State Farm$47$79
Auto-Owners$54$90
Erie$54$90
GEICO$59$99
USAA$60$100
Safeco$62$104
American Family$67$112
Clearcover$70$117
Nationwide$70$117
Elephant$71$119
Progressive$77$129
The General$87$146
Commonwealth Casualty$89$149
Liberty Mutual$91$152
Dairyland$94$157
Direct Auto$99$166
National General$102$171
Allstate$103$172
CSAA$107$179
GAINSCO$109$182
Travelers$111$186
Farmers$114$191
Root$133$223
Bristol West$137$229
State Auto$157$263
Foremost$168$281
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest car insurance for seniors: Mile Auto

Insurance premiums are generally highest for the youngest drivers, although these rates usually decrease around age 25. Safe drivers can usually expect their rates to remain low for some time, but they tend to go up again around age 70. Senior drivers may experience age-related physical and cognitive changes that increase their risk of getting into an accident.

In Cleveland, senior drivers pay an overall average of $91 per month for car insurance. Older drivers may want to check out these insurers, as they have the cheapest car insurance for seniors in Cleveland.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Full Coverage
Liability Only
Mile Auto$45$29
State Farm$59$33
Erie$68$37
Auto-Owners$71$39
Elephant$74$53
GEICO$78$43
Safeco$78$48
USAA$79$44
Nationwide$85$47
American Family$86$48
Clearcover$90$53
Progressive$90$50
National General$121$71
Direct Auto$123$70
Hugo$124$34
Liberty Mutual$128$69
CSAA$133$75
The General$135$65
Allstate$136$75
Travelers$144$79
Farmers$148$81
Root$155$101
State Auto$155$108
GAINSCO$160$84
Commonwealth Casualty$161$65
Dairyland$183$68
Bristol West$220$100
Foremost$272$121
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Hugo

Teenage drivers lack experience behind the wheel and tend to take bigger risks than older drivers, making them more likely to cause accidents and file claims. Insurers understand this and charge their highest rates to teen drivers to account for that risk.

Here are some ways teens and their parents can help keep their premiums affordable:

Teen drivers with their own policies in Cleveland pay an overall average of $247 per month for car insurance. Here are the cheapest car insurance companies for teen drivers in Cleveland:

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Full Coverage
Liability Only
State Farm$148$83
Elephant$169$120
Erie$172$94
Auto-Owners$173$95
GEICO$176$97
USAA$188$103
Safeco$209$127
American Family$217$120
Nationwide$225$125
Clearcover$235$138
Progressive$255$141
Hugo$289$79
The General$299$144
Liberty Mutual$307$166
CSAA$319$180
Root$319$208
Direct Auto$326$186
Allstate$339$188
National General$350$207
Farmers$376$206
GAINSCO$376$196
Travelers$376$206
Commonwealth Casualty$399$161
State Auto$412$288
Dairyland$427$159
Bristol West$527$239
Foremost$689$308
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Cleveland, Ohio

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Cleveland car insurance quotes by credit tier

In most U.S. states, including Ohio, auto insurance companies are legally allowed to use your credit history when determining your insurance rates.[6] Insurers charge drivers with good or excellent credit cheaper premiums than drivers with fair or poor credit.

Here’s how much of a difference your credit tier may make on your auto insurance quotes in Cleveland:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Cleveland?

Cleveland drivers pay similar rates for car insurance than the national average. The average cost of a liability-only policy in Cleveland is $85 per month, while full-coverage costs an average of $180 per month. For comparison, the national average cost is $106 per month for liability-only coverage and $172 per month for full coverage.

Insurance costs can vary quite a bit from one state to another, from one city to the next, and even within a city. That’s because insurance companies use factors like geographic location, population density, crime statistics, weather, and demographics to determine premium prices.

For example, Cleveland often experiences lake-effect snow during the winter months, making it more likely that drivers will have to deal with the risks of significant snow and ice storms.[7] High accident frequency and severity, and higher vehicle theft and vandalism rates also contribute to higher insurance costs.

More cities in Ohio

See how rates in Cleveland compare to some other Ohio cities in the table below.

City
Full Coverage
Liability Only
Canton$147$74
Cincinnati$180$85
Columbus $184$92
Dayton$167$78
Hamilton$165$82
Toledo$192$94
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cleveland car insurance FAQs

Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Cleveland.

  • How much is car insurance in Cleveland?

    Car insurance in Cleveland costs $137 per month, on average. Drivers pay an average of $184 per month for full-coverage car insurance and $90 per month for liability coverage. Your exact rate will depend on your driving record, age, credit history, vehicle type, coverage level, and more.

  • Which company has the cheapest car insurance in Cleveland?

    Mile Auto has the cheapest car insurance in Cleveland, with monthly liability rates as low as $43. Hugo and State Farm also offer affordable coverage, with respective monthly liability rates of $47 and $47.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Cleveland?

    With an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior), the highest level possible, State Farm is the best car insurance company in Cleveland. Of the insurers Insurify has rate data for, other top Cleveland insurers include Auto-Owners and Erie.

  • How much is car insurance per month in Ohio?

    The overall average cost of car insurance per month in Ohio is $109. Drivers pay $74 monthly for liability coverage and $145 monthly for full coverage, on average.

  • Is Ohio a no-fault state?

    No. Ohio is an at-fault state for car insurance. This means that the driver responsible for the accident must turn to their own insurance company to pay for damages and injuries.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Ohio Department of Insurance. "Comparative Negligence."
  2. Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
  3. Ohio Department of Insurance. "Automobile Insurance Guide."
  4. National Highway Traffic Safety Administration. "Traffic Safety Facts 2021 Data."
  5. Ohio Bureau of Motor Vehicles. "Suspensions & Reinstatements."
  6. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
  7. National Weather Service. "NWS Cleveland Local Weather Event Summaries."
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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