Compare Cleveland, OH Car Insurance Rates (2021)

Car insurance in Cleveland, OH averages $283 a month. Cleveland, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Cleveland car insurance rates, compare quotes from the top car insurance companies in Cleveland, OH.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Cleveland for teen drivers is USAA
  • Average car insurance rates in Cleveland, OH after a DUI are $3,961/year
  • The cheapest car insurance company in Cleveland is USAA

If you need to buy Cleveland, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Cleveland, OH is right here.

You’ll find Cleveland car insurance rates, the cheapest Cleveland, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Cleveland, Ohio car insurance rates to Hamilton car insurance rates, Cincinnati car insurance rates, and Cleveland car insurance rates.

Ready to find affordable Cleveland, OH car insurance today? Enter your ZIP code for fast, free Cleveland car insurance quotes.

Cheapest Cleveland, OH Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cleveland, OH car insurance rates? Every Cleveland, Ohio car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cleveland, Ohio

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,497 $2,485 $2,263 $2,419 $6,943 $7,906 $2,604 $2,770
American Family $1,049 $1,090 $973 $975 $3,521 $3,823 $1,308 $1,381
Farmers $2,164 $2,165 $1,904 $2,014 $9,859 $10,267 $2,423 $2,522
GEICO $1,552 $1,502 $1,482 $1,487 $4,045 $3,739 $1,710 $1,429
Liberty Mutual $2,532 $2,771 $1,940 $2,373 $13,157 $14,876 $2,695 $2,947
Nationwide $2,729 $2,743 $2,465 $2,483 $6,930 $8,929 $2,923 $3,398
Progressive $2,019 $1,895 $1,680 $1,736 $9,147 $10,309 $2,414 $2,499
State Farm $1,749 $1,749 $1,576 $1,576 $5,543 $6,956 $2,032 $2,327
Travelers $1,873 $1,902 $1,865 $1,858 $8,346 $13,287 $1,956 $2,220
USAA $980 $988 $932 $931 $3,039 $3,384 $1,312 $1,412

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Minimum Car Insurance in Cleveland, OH

Every driver must carry the minimum car insurance in Cleveland, OH. Take a look at the Ohio car insurance requirements.

Minimum Required Car Insurance Coverage in Cleveland, Ohio

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Cleveland, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Cleveland, OH. Compare credit history car insurance rates in Cleveland from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Cleveland, Ohio

Insurance Company Poor Fair Good
Allstate $4,826 $3,489 $2,892
American Family $2,352 $1,594 $1,349
Farmers $4,710 $3,988 $3,797
GEICO $2,543 $2,118 $1,693
Liberty Mutual $7,771 $4,746 $3,717
Nationwide $4,912 $3,963 $3,350
Progressive $4,436 $3,848 $3,603
State Farm $4,180 $2,590 $2,046
Travelers $4,651 $4,052 $3,787
USAA $2,105 $1,491 $1,271

Cheapest Cleveland, OH Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cleveland, OH to rates for a clean record with top companies.

Annual Cleveland, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,128 $3,804 $4,464 $3,547
American Family $1,688 $1,791 $1,791 $1,791
Farmers $3,436 $4,427 $4,319 $4,477
GEICO $1,443 $2,073 $2,984 $1,973
Liberty Mutual $4,542 $5,836 $5,967 $5,299
Nationwide $3,271 $4,153 $5,262 $3,614
Progressive $3,413 $4,653 $3,637 $4,146
State Farm $2,672 $3,205 $2,939 $2,939
Travelers $3,056 $3,996 $6,048 $3,553
USAA $1,241 $1,667 $2,204 $1,377

Cheapest Cleveland, OH Car Insurance for Teen Drivers

Teen car insurance in Cleveland, OH can be expensive. Take a look at rates from the top car insurance companies in Cleveland for teenagers.

Annual Car Insurance Rates for Teen Drivers in Cleveland, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,943 $7,906
American Family $3,521 $3,823
Farmers $9,859 $10,267
GEICO $4,045 $3,739
Liberty Mutual $13,157 $14,876
Nationwide $6,930 $8,929
Progressive $9,147 $10,309
State Farm $5,543 $6,956
Travelers $8,346 $13,287
USAA $3,039 $3,384

Cheapest Cleveland, OH Car Insurance for Seniors

Take a look at Cleveland, OH senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Cleveland, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,263 $2,419
American Family $973 $975
Farmers $1,904 $2,014
GEICO $1,482 $1,487
Liberty Mutual $1,940 $2,373
Nationwide $2,465 $2,483
Progressive $1,680 $1,736
State Farm $1,576 $1,576
Travelers $1,865 $1,858
USAA $932 $931

Cheapest Cleveland, OH Car Insurance Rates After a DUI

A DUI in Cleveland, OH increases car insurance rates. Compare Cleveland, Ohio DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Cleveland, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,464
American Family $1,791
Farmers $4,319
GEICO $2,984
Liberty Mutual $5,967
Nationwide $5,262
Progressive $3,637
State Farm $2,939
Travelers $6,048
USAA $2,204

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Cheapest Cleveland, OH Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cleveland, OH by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Cleveland, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,736 $3,736
American Family $1,743 $1,787
Farmers $4,165 $4,165
GEICO $2,081 $2,155
Liberty Mutual $5,411 $5,411
Nationwide $4,075 $4,075
Progressive $3,962 $3,962
State Farm $2,865 $3,012
Travelers $4,163 $4,163
USAA $1,559 $1,685

Cheapest Cleveland, OH Car Insurance Rates by ZIP Code

Cleveland car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cleveland, OH.

Annual Car Insurance Rates by ZIP Code in Cleveland, Ohio

ZIP Code Average Annual Rates
44101 $3,236
44102 $3,286
44103 $3,324
44104 $3,390
44105 $3,260
44106 $3,269
44109 $3,209
44110 $3,317
44111 $3,174
44112 $3,236
44113 $3,235
44114 $3,262
44115 $3,312
44119 $3,202
44120 $3,262
44121 $3,157
44122 $3,250
44127 $3,335
44128 $3,247
44135 $3,128

The Best Cheap Car Insurance Companies in Cleveland, OH

Take a look at a side-by-side comparison of the top car insurance companies in Cleveland, OH to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Cleveland, Ohio

Insurance Company Average Annual Rates
Allstate $3,736
American Family $1,765
Farmers $4,165
GEICO $2,118
Liberty Mutual $5,411
Nationwide $4,075
Progressive $3,962
State Farm $2,939
Travelers $4,163
USAA $1,622

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Category Winners: Cheapest Car Insurance in Cleveland, Ohio

Find the cheapest car insurance companies in Cleveland, OH for each category right here.

Best Annual Car Insurance Rates by Company in Cleveland, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

Cheapest Cleveland, OH Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cleveland car insurance rates. Find the cheapest Cleveland, OH car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Cleveland, Ohio

Insurance Company Low Medium High
Allstate $3,560 $3,724 $3,925
American Family $1,727 $1,779 $1,789
Farmers $3,921 $4,090 $4,483
GEICO $2,033 $2,104 $2,218
Liberty Mutual $5,193 $5,441 $5,601
Nationwide $4,475 $3,953 $3,798
Progressive $3,791 $3,927 $4,170
State Farm $2,775 $2,947 $3,094
Travelers $4,030 $4,222 $4,238
USAA $1,545 $1,621 $1,701

What affects car insurance rates in Cleveland, Ohio?

What factors can have an impact on Cleveland, OH car insurance? There are several reasons why Cleveland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cleveland, Ohio.

Car Theft in Cleveland

High levels of vehicle theft can make car insurance more expensive. Cleveland, OH car theft statistics from the FBI indicate 2,970 vehicle thefts a year.

Commute Time in Cleveland

The more time you spend in your car the higher the risk of an accident. The average commute length in Cleveland, OH is 25.5 minutes according to City-Data.

Traffic in Cleveland

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cleveland, OH traffic data from INRIX ranks Cleveland as the 542nd-most congested in the world.

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Compare Car Insurance Quotes in Cleveland, OH

Ready to find affordable Cleveland, Ohio car insurance today? Enter your ZIP code for fast, free Cleveland, OH car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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