Best Cheap Auto Insurance in Cleveland, OH (2021)

The average Cleveland, OH auto insurance rates are $283 per month. The minimum auto insurance in Cleveland is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Cleveland, Ohio, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Cleveland is 25.5 minutes
  • Average auto insurance rates in Cleveland, OH for senior drivers are $1,747 per year
  • The most expensive auto insurance company in Cleveland for teen drivers is Liberty Mutual

Cleveland, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Cleveland can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Cleveland, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Cleveland to other Ohio cities, including Cincinnati auto insurance rates, Toledo auto insurance rates, and Cleveland auto insurance rates to see how Cleveland, Ohio auto insurance rates stack up.

Before you buy Cleveland, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Cleveland, Ohio auto insurance quotes.

Minimum Auto Insurance in Cleveland, Ohio

Cleveland, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Cleveland, Ohio.

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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Cheap Cleveland, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Cleveland, Ohio are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Cleveland, Ohio Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Cleveland, Ohio is a challenge. Take a look at the annual teen auto insurance rates in Cleveland, Ohio.

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

Cheap Cleveland, Ohio Auto Insurance for Seniors

What are senior auto insurance rates in Cleveland, Ohio? Take a look at the annual average rates for older drivers.

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

Cheap Cleveland, Ohio Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Cleveland, Ohio compared to the annual auto insurance rates with a clean record in Cleveland, Ohio.

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

Cheap Cleveland, Ohio Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Cleveland, Ohio is not easy. Compare the annual rates for DUI auto insurance in Cleveland, Ohio to find the best deal.

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

Cheap Cleveland, Ohio Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Cleveland, Ohio annual auto insurance rates by credit history compare.

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

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Cheap Cleveland, Ohio Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Cleveland, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in Cleveland, Ohio to see how car insurance rates are affected by location.

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

Cheap Cleveland, Ohio Auto Insurance Rates By Commute

Commute length and annual mileage affect Cleveland, Ohio auto insurance. Find the cheapest annual Cleveland, Ohio auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Cleveland, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Cleveland, Ohio Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Cleveland, Ohio? Check out the comparison of annual Cleveland, Ohio 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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Best By Category: Cheapest Auto Insurance in Cleveland, Ohio

Compare the cheapest auto insurance companies in Cleveland, Ohio in each category to find the company with the best rates for your personal needs.

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

The Cheapest Cleveland, Ohio Auto Insurance Companies

What auto insurance companies in Cleveland, Ohio are the cheapest? Compare the top Cleveland, Ohio auto insurance companies to find the best annual rates.

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 auto insurance rates in Cleveland, Ohio?

There are a lot of reasons why auto insurance rates in Cleveland, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Cleveland, Ohio. Many local factors may affect your Cleveland auto insurance rates.

Cleveland Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Cleveland, Ohio auto theft statistics, there have been 2,970 auto thefts in the city.

Cleveland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cleveland, Ohio commute length is 25.5 minutes according to City-Data.

Cleveland Traffic

How does Cleveland, Ohio rank for traffic? According to Inrix Cleveland, Ohio is the 542nd most congested worldwide.

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Compare Cleveland, Ohio Auto Insurance Quotes

Before you buy Cleveland, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Cleveland, Ohio auto insurance quotes.

Free Auto Insurance Comparison

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

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