Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 2020

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • The average rate for car insurance is around $1,260 per year
  • Your occupation will often impact your insurance rates
  • If you are searching for coverage, be sure to compare multiple quotes to find the best deal

When seeking Cleveland car insurance, drivers who take advantage of a free comparison search find auto insurance for better rates on Cleveland car insurance. They can do this because a car insurance comparison is in the business of matching up the most suitable clients with the best car insurance companies.

Enter your zip code above to compare car insurance rates from multiple companies today!

Table of Contents

Cleveland Information

The city of Cleveland is growing. During the economic slowdown that the entire country is experiencing, this city appears to be increasing its retail presence at this time.

Eleven Fortune 500 companies make their home in Cleveland, and they have several tourist attractions that make this city a place to visit as well as stay and do business.

Because this city is growing, the number of drivers is also increasing and these people need to know what is expected of them as drivers legally conducting their vehicles along Cleveland’s roads.

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Cleveland Car Insurance Requirements


In the city of Cleveland, everyone who drives is susceptible to being sued by a third party if they cause a collision between themselves and another driver.

Ohio doesn’t limit the lawsuits that can be filed for this reason which is why this state requires that people purchase liability car insurance.

Without liability insurance, drivers will still be held responsible for medical bills and property repair bills.

In order to limit the number of times that drivers will sue another driver that hits them, each driver needs to purchase bodily injury liability and property damage liability coverage.

In Cleveland, these limits are:

  • $12,500 for one person who files a claim for medical expenses.
  • $25,000 for everyone who files a claim for medical bills.
  • $7,500 to pay property damage bills.

These mandatory car insurance minimums will help pay some of the medical and property insurance bills, but they may not be sufficient. The bills have the possibility of being higher than the minimums. In that case, the drivers will have to pay out of pocket for the remainder of the balance.

Cleveland Car Insurance Laws

In order to be compliant with Cleveland car insurance laws, people must first purchase Ohio’s minimum car insurance requirements, but they must also have the proof that they have purchased these requirements with them whenever they drive.

If they don’t have this proof, it’s also illegal in Cleveland to permit another person to operate the uninsured vehicle.

Cleveland Car Insurance Companies

Drivers in Cleveland know that they must have liability insurance and they will need to purchase it from a reputable Cleveland car insurance company.

In order to determine which companies are the best for purchasing Cleveland car insurance, drivers must first check the licenses of the companies they investigate.

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Cleveland car insurance companies must be licensed in the city of Cleveland to sell insurance. Before purchasing a policy, drivers may contact the State of Ohio’s Insurance Department that will have insurance companies’ licenses on file.

Drivers should only consider insurance companies that are financially stable.

Potential clients can check on the financial stability of a Cleveland car insurance company by using credit ratings agencies such as:

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Cleveland Car Insurance Agencies

Drivers in Cleveland can find coverage from some of the larger national insurers, including:

  • Geico
  • Farmer‘s Insurance
  • State Farm Insurance
  • Erie Insurance
  • Allstate Insurance Company
  • American Family Insurance
  • Progressive Insurance

Drivers in Cleveland may also receive quotes from the local Cleveland car insurance agencies.

Those who would rather obtain their car insurance from smaller, lesser known companies have several options to choose from.

They may be among some of the companies that offer the best quotes for Cleveland car insurance.

Average Cleveland Car Insurance Rates

The average Cleveland car insurance rate that people can expect is $1,264 per year. This rate is below the national average which is $1,500.

But it’s not necessarily time to breathe a sigh of relief; this average quote is for the driver that has a good driving record and is around 40 years old.

Those who don’t fall into these demographics may be paying much higher rates.

Insurance companies will pursue a higher risk category in order to expand their client bases; to encourage this demographic to purchase insurance from them, they will offer lower auto insurance rates.

Cleveland Driving and Car Insurance Statistics


Cleveland car insurance can be priced according to how many miles a driver spends on the roads. Those who spend a small amount of time driving are less likely than those who spend longer periods of time to be involved in a car collision.

Therefore, these people are often quoted the lowest Ohio car insurance rates.

With several quotes from several insurance companies, people who drive longer distances may find a very low quote.

Another statistic that may raise people’s Cleveland car insurance rates is the number of automobiles stolen in the city. In 2005, 10,984 vehicles were stolen in the city of Cleveland. In 2011, several of the vehicles stolen most often in Cleveland were manufactured in the 1990s.

As a matter of fact, eight out of the 10 most stolen vehicles in Cleveland were manufactured between 1990 and 1999.

Because certain cars have the propensity to be stolen, when people seek to insure these vehicles, car insurance companies tend to offer the highest quotes.

As is the answer for all the other reasons for high insurance rates, people with the most stolen vehicles need to obtain more than one quote for their car insurance rates.

Cleveland car insurance companies have several reasons that they will raise their clients’ auto insurance rates. They can fight their insurance companies’ willingness to do this by seeking Cleveland car insurance quotes online.

In a matter of minutes, they will receive quotes from many companies that may be much lower than what their current insurance companies are charging.

So what are you waiting for? Enter your zip code below to find the right auto insurance coverage to fit your budget!