Buy Cheap Cleveland, OH Auto Insurance (2021)

Cleveland, OH auto insurance rates average $283 a month. Minimum auto insurance requirements in Cleveland, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Cleveland, OH, compare Cleveland auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Cleveland is Liberty Mutual
  • Average auto insurance rates in Cleveland, OH for teens drivers are $7,053/year
  • Average auto insurance rates in Cleveland, OH are $283/month

Finding affordable Cleveland, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Cleveland, OH auto insurance with confidence is right here. Auto insurance rates in Cleveland are affected by local factors as well as personal ones like your driving record.

See how Cleveland, OH car insurance rates compare to Parma auto insurance rates, Toledo auto insurance rates, and Akron auto insurance rates before you read more about the cost of auto insurance in Cleveland.

Don’t buy Cleveland, OH auto insurance until you’ve compared rates. Get free Cleveland, Ohio auto insurance quotes when you enter your ZIP code above.

Cleveland, OH Minimum Auto Insurance Requirements

The required auto insurance in Cleveland, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Cleveland, Ohio is outlined here.

Minimum Required Auto 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

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Find Cheap Cleveland, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Cleveland, OH. Take a look at Cleveland, Ohio auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Cleveland, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Cleveland, Ohio auto insurance rates? Find out how car insurance rates in Cleveland, OH are impacted by demographics.

Annual Auto 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

Buy Cheap Cleveland, OH Auto Insurance for Teen Drivers

Auto insurance for teenagers in Cleveland can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Cleveland, OH are listed here.

Annual Auto 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

Buy Cheap Cleveland, OH Auto Insurance for Seniors

You can save on senior auto insurance rates in Cleveland, Ohio by comparing Cleveland senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Cleveland, OH here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Cleveland, OH by Coverage Level

The amount of coverage you choose is a big factor in the cost of Cleveland, Ohio auto insurance. Compare Cleveland, OH auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap Cleveland, OH Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Cleveland. Compare auto insurance rates in Cleveland, OH by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Cleveland, OH Auto Insurance Rates by ZIP Code

Auto insurance rates in Cleveland, Ohio can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Cleveland, OH to see how much where you live in Cleveland affects the cost of car insurance.

Annual Auto 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

Find Cheap Cleveland, OH Auto Insurance Rates by Driving Record

Auto insurance rates in Cleveland, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Cleveland, OH, take a look at the average cost for various violations versus rates for a clean driving record in Cleveland.

Annual Cleveland, Ohio Auto 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

Find Cheap Cleveland, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Cleveland, Ohio is higher than for a clean driving record. You can buy auto insurance after a DUI in Cleveland for less when you shop around and compare rates from multiple Cleveland, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Cleveland, Ohio

Insurance Company Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in Cleveland, OH

Compare rates from the cheapest auto insurance companies in Cleveland, OH for your needs. Take a look at how Cleveland, Ohio auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Cleveland, Ohio Auto Insurance Companies

If you’re looking for the cheapest Cleveland, OH auto insurance companies overall, you can compare them here. Find the best price for Cleveland, Ohio car insurance by company.

Average Annual Auto 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

What affects Cleveland, Ohio auto insurance rates?

Local factors affect auto insurance rates in Cleveland, OH, including traffic, theft statistics, and commute length. Take a look at the things that impact Cleveland auto insurance rates.

Auto Theft in Cleveland

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Cleveland, OH auto theft show a total of 2,970 vehicle thefts annually.

Commute Times in Cleveland

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Cleveland, OH is 25.5 minutes according to City-Data.

Traffic in Cleveland

How is traffic in Cleveland, Ohio? Inrix data shows that Cleveland, OH traffic makes it the 542nd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Cleveland, OH

You can buy cheap Cleveland, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Cleveland, Ohio auto insurance quotes from top companies.

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