The best car insurance in Cleveland, Ohio does not have to cost you more than other areas in the state. The annual average cost of car insurance in Cleveland is $435 per year for minimum coverage and $1,362 per year for full coverage. Although premiums are higher than the Ohio average, the city’s rates are much lower than the national average for full coverage car insurance of $1,674 per year.
With Bankrate’s help, you may be able to find coverage for lower than the average. We evaluated different options for car insurance, including up-to-date annual premiums collected by Quadrant Information Services and customer ratings from the best insurance companies in Cleveland to bring you the top carriers to consider. The goal is to help you find affordable car insurance Cleveland rates that will not put a strain on your budget.
Best cheap car insurance companies in Cleveland
To find the best cheap car insurance in Cleveland, we began by assessing average quoted premiums from some of the best car insurance companies in the city. We then took a deeper dive and reviewed policy and discount options along with customer satisfaction scores from the 2021 J.D. Power Auto Insurance Study in the North Central region, which includes Ohio. The following four providers stood out for offering some of the best coverage for the price.
|Insurance company||J.D. Power score (North Central)||Average annual premium for minimum coverage||Average annual premium for full coverage|
*USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions.
Based on the criteria of positive customer reviews and cheap car insurance, USAA is among the most competitive in the city as a carrier offering some of the cheapest car insurance in Cleveland. The carrier’s J.D. Power score is the highest in nearly every annual study, although its military-focused membership requirement makes it ineligible for official rankings. Minimum and full coverage rates are the lowest of all carriers, at $298 and $920 per year, on average. The one drawback to USAA is its limited availability. Because coverage is only available to members with military affiliation and relatives, it may be a perfect option for military families.
Learn more: USAA Insurance review
Erie Insurance’s rates are also low, especially for minimum car insurance. However, full coverage from Erie is higher than the other carriers on our list. You may not want to dismiss Erie simply because their full coverage rates are higher — you get many extras included in the price. Full coverage insurance from the provider includes auto glass repair, pet coverage that pays for vet expenses if your pets are injured in a covered accident and locksmith service up to $75 per incident if you are locked out of your vehicle.
Learn more: Erie Insurance review
Geico may be the best alternative to USAA when it comes to positive customer reviews and low premiums. The carrier is transparent about what it has to offer and provides most of the information you need to make an informed choice in a clear and simple format. One of the reasons Geico stands out as an affordable option are its 16 discounts available. You could stack them to maximize the savings. A couple of the most significant discounts are multivehicle coverage for up to 25% off your bill and safety equipment, such as airbags and ABS brakes, for up to 23% off.
Learn more: Geico Insurance review
State Farm is the largest carrier in the country and one of the best car insurance companies in Cleveland. If your lender or car leasing company requires you to carry full car insurance, State Farm’s collision and comprehensive coverages may be a top-notch option. Best of all, full coverage is well-priced at an average of $1,070 per year, which amounts to less than $90 per month to provide financial protection for your vehicle and against third-party claims.
Learn more: State Farm Insurance review
Cheapest car insurance in Cleveland
The average cost of full coverage car insurance in the state of Ohio is $1,034 per year. Cleveland’s average rates are higher at $1,362 annually. You could beat the average by making wise decisions regarding your vehicle coverage. The right carrier might make all the difference in the cost of car insurance, as you will see in the breakdown of the largest insurance companies in Cleveland, by market share, with the cheapest premiums:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
USAA is the cheapest on average for both minimum and full coverage and has the highest customer satisfaction rating. Unfortunately, not everyone can access its products. Erie is the next cheapest option for basic coverage, while Geico could be a close alternative if you need full car insurance.
Although State Farm and Allstate come in towards the bottom for cheapest car insurance in Cleveland, they are good options worth considering. They are some of the largest carriers in the country and provide a wide range of coverage options and add-ons for drivers who may want more expansive coverage.
Cleveland insurance requirements
- Bodily injury/death liability: $25,000 per person in an accident
- Bodily injury/death liability: $50,000 total per accident
- Property damage liability: $25,000 per accident
Uninsured motorist coverage must also be offered but can be declined in writing. Minimum coverage from the options presented on our “cheap” list could be as low as $298 per year. However, the coverage limits may not be enough. If you lease or finance a car, your lender will likely require full coverage. Besides, damages or injuries over the $25,000/$50,000 limit would have to come out of your pocket. Considering the out-of-pocket expense may make purchasing full coverage a more appealing option for many drivers, despite the added price.
Car insurance discounts in Cleveland
There are ways to lower your premiums further, especially if you have full coverage car insurance, which is typically more than double the cost of basic coverage. The following discounts may be good options for Cleveland residents:
- Bundling: Buying car and home or renters insurance with the same insurance company could save you money across the board.
- Safe driver: Having a claims-free history and clean driving record could give you access to the lowest rates.
- Vehicle equipment: Cars that are loaded with safety features such as multiple air bags and a security system could be cheaper to insure.
- Driver safety training: Most carriers can furnish you a list of approved courses you could take about defensive and safer driving. Passing one typically lowers your premiums.
The most significant discounts may come from driver safety training and bundling your insurance. When you pass an approved defensive driving course, most car insurance companies will extend the discount over three years, saving you money long-term. As for bundling, the discount is typically applied to all types of coverage with the carrier for bigger impact.
Frequently asked questions
What is the best car insurance company in Ohio?
There are over a dozen quality carriers operating in the state. The best car insurance company depends on your personal requirements. While USAA may be the best for some families, its availability is limited. Other carriers, such as State Farm, Geico and Erie are strong contenders for cheap, quality coverage. The best way to determine the top insurance company is by getting quotes from several to compare prices and coverage options.
How much car insurance do I need in Cleveland?
The state of Ohio requires all drivers to carry liability insurance of $25,000 or more in bodily injury per person, at least $50,000 in bodily liability insurance per accident and $25,000 or more for property damage. However, you may want to raise the minimum limits if you can afford it to cover you if you cause a more serious accident.
How much does car insurance in Cleveland cost?
You will find that Cleveland car insurance is cheaper than the national average of $1,674 per year. The average cost of minimum coverage car insurance in Cleveland is $435 per year and $1,362 for full coverage.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.