Cheapest Car Insurance Quotes in Cleveland

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Cleveland Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cleveland

The car insurance rate in Cleveland is $899 for a six-month policy, which is $156 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $288, making it a popular choice for budget-conscious drivers. Rates in Cleveland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cleveland

$899

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Cleveland

1st place: American Family

At $288 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $460 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $719 for six months, making it the third cheapest auto insurance company in Cleveland.

Cleveland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cleveland, OH is American Family, offering policies at just $288 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $460.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1379 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cleveland drivers find the best deals.

Cheap Car Insurance Companies in Cleveland, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$288	$48
Auto-Owners Insurance Co	$460	$76
Travelers	$719	$122
State Farm	$733	$122
Hastings Mutual	$748	$127
USAA	$755	$127
Erie	$783	$132
Nationwide	$826	$139
Central Mutual	$870	$148
Progressive	$905	$152
Auto-Owners	$978	$166
Farmers	$1064	$178
Westfield	$1251	$213
Cincinnati	$1308	$218
Grange	$1330	$226
Allstate	$1379	$232

Key Takeaways

Way's key takeaways about car insurance in Cleveland

The auto insurance costs in Cleveland fall around $288 for six months.
The cheapest auto insurance company in Cleveland is American Family.
Teen drivers pay the highest rate in Cleveland at $855 per month.

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Cheapest Minimum Liability Car Insurance in Cleveland

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cleveland are given below.

American Family provides the cheapest minimum car insurance coverage in Cleveland. Their Average 6 Month Premium is $151. Allstate is the most expensive at $546 for the same period.

Cheapest Liability Coverage in Cleveland, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$151	$25
Central Mutual	$166	$28
Auto-Owners Insurance Co	$180	$30
USAA	$208	$35
Erie	$223	$38
Westfield	$223	$38
State Farm	$237	$40
Progressive	$273	$46
Auto-Owners	$301	$51
Travelers	$301	$51
Nationwide	$367	$62
Farmers	$403	$67
Grange	$474	$81
Cincinnati	$503	$83
Allstate	$546	$92

Cheapest Full Coverage Car Insurance in Cleveland

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cleveland is American Family at $48 per month and $288 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cleveland, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$288	$48
Auto-Owners Insurance Co	$460	$76
Travelers	$719	$122
State Farm	$733	$122
Hastings Mutual	$748	$127
USAA	$755	$127
Erie	$783	$132
Nationwide	$826	$139
Central Mutual	$870	$148
Progressive	$905	$152
Auto-Owners	$978	$166
Farmers	$1064	$178
Westfield	$1251	$213
Cincinnati	$1308	$218
Grange	$1330	$226
Allstate	$1379	$232

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Average Car Insurance in Cleveland by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cleveland, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Cleveland, Ohio, may be increasing due to several external factors. Ohio has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cleveland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cleveland

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$687
30s	USAA	$486
40s	USAA	$440
50s	USAA	$408
60s	USAA	$428
70s	USAA	$519

Cheapest Car Insurance Rates for Teen Drivers in Cleveland,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Cleveland at $27 per month. At $5031 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$159	$27
USAA	$970	$163
Erie	$1114	$188
Travelers	$1301	$219
Westfield	$1452	$244
Progressive	$2092	$352
Nationwide	$2667	$449
Auto-Owners	$2846	$474
Allstate	$2911	$490
State Farm	$2983	$497
Cincinnati	$3780	$643
Grange	$3816	$636
Farmers	$5031	$855

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Cleveland.

As young drivers face the highest rates in Cleveland, USAA offers the cheapest auto insurance rates at $687 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cleveland, American Family is the cheapest car insurance provider. At $244 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cleveland is AutoOwners, offering rates of around $2731 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$244	$41
Progressive	$899	$151
Nationwide	$1035	$174
USAA	$1056	$177
Grange	$1071	$180
Erie	$1093	$184
Westfield	$1279	$215
Cincinnati	$1977	$329
Allstate	$2357	$401
Auto-Owners	$2731	$455

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Save up to $971/yr on car insurance rates in Cleveland.

Car Insurance Rates with An Accident in Cleveland

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cleveland, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cleveland

The cheapest car insurance companies after an at-fault accident in Cleveland include Central Mutual and American Family, offering $166 and $186, respectively. State Farm is an expensive provider with an average six-month premium of $5520.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$166	$28
American Family	$186	$31
Auto-Owners Insurance Co	$288	$48
Erie	$511	$86
Westfield	$762	$128
Nationwide	$1035	$174
Travelers	$1107	$186
USAA	$1496	$252
Auto-Owners	$1552	$261
Grange	$1631	$277
Progressive	$2372	$399
Cincinnati	$2437	$414
Allstate	$2904	$489
State Farm	$5520	$939

Cleveland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cleveland OH. For example, the car insurance in Cleveland after a DUI increases to $840 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Cleveland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$885	$148
One Med/PIP claim	$905	$154
Not-at-fault accident	$920	$154
One comp claim	$941	$160
Two Med/PIP claims	$941	$157
Two comp claims	$985	$167
Failure to show documents	$992	$166
Driving without lights	$1014	$172
Failure to wear a seat belt	$1014	$169
Child safety restraint	$1035	$175
Driving with expired registration	$1035	$173
Driving too slowly	$1071	$182
Speeding 11 - 15 MPH over limit	$1071	$179
Speeding 6 - 10 MPH over limit	$1071	$182
Speeding in school zone	$1071	$179
Cell phone violation	$1078	$184
Failure to yield	$1078	$180
Following too closely	$1078	$184
Illegal turn	$1078	$180
Texting while driving	$1078	$184
Wrong way/wrong lane	$1078	$180
Failure to stop at a red light	$1085	$185
Improper passing	$1093	$182
Speeding 16 - 20 MPH over limit	$1093	$186
At-fault accident - less than $1000	$1129	$188
Passing school bus	$1136	$194
Speeding 21 - 25 MPH over limit	$1164	$194
In 65 MPH zone	$1179	$201
At-fault accident - $1000-$2000	$1301	$217
At-fault accident - greater than $2000	$1308	$223
Open container	$1308	$218
Operating a vehicle without permission	$1315	$224
Reckless driving	$1667	$278
Racing	$1696	$288
Refusal to submit to a chemical test	$1696	$283
Driving with a suspended license	$1711	$290
DUI	$1725	$288
Leaving scene of an accident/hit and run	$1775	$301

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cleveland after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cleveland.

The cheapest car insurance premiums in Cleveland are offered by American Family at $186 for a six-month policy. However, it can be as expensive as $3198 with companies like Cincinnati.

Cleveland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Travelers	$597	$100
Progressive	$719	$121
Erie	$741	$125
USAA	$841	$142
State Farm	$1157	$197
Nationwide	$1323	$223
Farmers	$1437	$244
Auto-Owners	$1848	$307
Allstate	$1890	$318
Grange	$2134	$356
Westfield	$2775	$472
Cincinnati	$3198	$534

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cleveland are offered by American Family at $186. However, it can be as expensive as $1905 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Cleveland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Auto-Owners Insurance Co	$186	$31
Erie	$532	$90
Progressive	$741	$125
USAA	$762	$127
Westfield	$855	$144
Nationwide	$863	$145
Auto-Owners	$978	$166
Cincinnati	$1545	$258
Allstate	$1804	$307
Grange	$1905	$317

Car Insurance Price Trends in Cleveland, Ohio

Car insurance rates in Cleveland have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cleveland rose by $180 in January compared to $144 of December. In other words, there has been an increase by $36 when you compare January and December.

The average cost of liability insurance in the Cleveland rose to $47 in January, compared to $44 in December. This represents an increase of $3 when comparing January and December.

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Average Car Insurance Cost in Cleveland by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Cleveland. At $917 for a six-month policy, insuring your car at 44126 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
44126	$917	$154
44104	$917	$154
44125	$926	$155
44103	$917	$154
44128	$926	$155
44106	$926	$155
44105	$934	$157
44127	$899	$151
44144	$917	$154
44143	$926	$155
44121	$934	$157
44124	$943	$158
44102	$952	$160
44101	$899	$151
44108	$917	$154
44129	$926	$155
44109	$943	$158
44120	$934	$157
44115	$908	$152
44114	$899	$151
44111	$943	$158
44110	$917	$154
44135	$926	$155
44113	$917	$154
44134	$934	$157
44112	$917	$154
44119	$908	$152
44118	$943	$158
44130	$952	$160

Frequently Asked Questions

How much is car insurance in Cleveland?

The car insurance in Cleveland is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Cleveland?

The cheapest car insurance in Cleveland is $48 per month for full coverage.

How much is car insurance in Cleveland for teenagers?

Car insurance for teenagers costs $159 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cleveland?

The average cost of car insurance is $743 for a six-month policy. It will cost around $151 per month to insure your car in Cleveland.

Is car insurance expensive in Cleveland?

Car insurance can be expensive in Cleveland if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cleveland can be affordable.

Cheapest Car Insurance Quotes in Cleveland

Why you can trust Way?

How Much Is Car Insurance in Cleveland

Avg. Car Insurance in Cleveland

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Cleveland

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Cleveland Car Insurance Rates by Company

Cheap Car Insurance Companies in Cleveland, OH

Way's key takeaways about car insurance in Cleveland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cleveland

Cheapest Liability Coverage in Cleveland, OH

Cheapest Full Coverage Car Insurance in Cleveland

Cheapest Full Coverage Car Insurance Quotes in Cleveland, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cleveland by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cleveland, OH increasing?

Car Insurance Premiums by Age in Cleveland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cleveland,OH

If you are in your twenties USAA is the best choice for car insurance in Cleveland.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cleveland

Cheapest Car Insurance Companies after an At-Fault Accident in Cleveland

Cleveland Car Insurance Rates by Violation

Cleveland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cleveland after a DUI

Cleveland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cleveland after Speeding ticket

Car Insurance Price Trends in Cleveland, Ohio

Average Car Insurance Cost in Cleveland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cleveland, OH

Car Insurance Rates by State in the USA (2025 Update)

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