Cheapest Car Insurance Quotes in Cleveland Heights

Finding the cheapest car insurance quotes in Cleveland Heights shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Cleveland Heights 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 Heights

The car insurance rate in Cleveland Heights is $795 for a six-month policy, which is $127 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $283, making it a popular choice for budget-conscious drivers. Rates in Cleveland Heights 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 Heights

$795

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Cleveland Heights

1st place: American Family

At $283 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 $452 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $707 for six months, making it the third cheapest auto insurance company in Cleveland Heights.

Cleveland Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cleveland Heights, OH is American Family, offering policies at just $283 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $452.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $904 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cleveland Heights drivers find the best deals.

Cheap Car Insurance Companies in Cleveland Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$283	$48
Auto-Owners Insurance Co	$452	$75
Travelers	$707	$120
Erie	$714	$120
State Farm	$721	$123
USAA	$721	$121
Hastings Mutual	$735	$125
Nationwide	$743	$125
Central Mutual	$856	$145
Progressive	$863	$145
Farmers	$1046	$177
Grange	$1117	$186
Allstate	$1279	$215
Westfield	$904	$154

Key Takeaways

Way's key takeaways about car insurance in Cleveland Heights

The auto insurance costs in Cleveland Heights fall around $283 for six months.
The cheapest auto insurance company in Cleveland Heights is American Family.
Teen drivers pay the highest rate in Cleveland Heights at $841 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Cleveland Heights

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 Heights are given below.

American Family provides the cheapest minimum car insurance coverage in Cleveland Heights. Their Average 6 Month Premium is $149. Allstate is the most expensive at $537 for the same period.

Cheapest Liability Coverage in Cleveland Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Central Mutual	$163	$27
Auto-Owners Insurance Co	$177	$30
Westfield	$183	$31
USAA	$190	$32
Erie	$212	$36
State Farm	$233	$39
Progressive	$255	$43
Nationwide	$283	$48
Travelers	$296	$50
Auto-Owners	$311	$52
Farmers	$396	$68
Grange	$431	$71
Allstate	$537	$90

Cheapest Full Coverage Car Insurance in Cleveland Heights

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 Heights is American Family at $48 per month and $283 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cleveland Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$283	$48
Auto-Owners Insurance Co	$452	$75
Travelers	$707	$120
Erie	$714	$120
State Farm	$721	$123
USAA	$721	$121
Hastings Mutual	$735	$125
Nationwide	$743	$125
Central Mutual	$856	$145
Progressive	$863	$145
Farmers	$1046	$177
Grange	$1117	$186
Allstate	$1279	$215
Westfield	$904	$154

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Cleveland Heights Instantly!

Average Car Insurance in Cleveland Heights 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 Heights, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Cleveland Heights, 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 Heights'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 Heights

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	$641
30s	USAA	$453
40s	USAA	$412
50s	USAA	$381
60s	USAA	$400
70s	USAA	$484

Cheapest Car Insurance Rates for Teen Drivers in Cleveland Heights,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 Heights at $26 per month. At $4948 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$156	$26
Westfield	$190	$32
USAA	$983	$165
Erie	$1046	$176
Travelers	$1279	$215
Nationwide	$1993	$336
Progressive	$2000	$337
Allstate	$2722	$458
State Farm	$2933	$499
Grange	$3238	$539
Farmers	$4948	$841

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 Heights.

As young drivers face the highest rates in Cleveland Heights, USAA offers the cheapest auto insurance rates at $641 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 Heights, American Family is the cheapest car insurance provider. At $240 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 Heights is Allstate, offering rates of around $2043 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$240	$40
Westfield	$303	$51
Nationwide	$806	$136
Erie	$834	$140
Progressive	$834	$140
USAA	$904	$151
Grange	$926	$156
Allstate	$2043	$340

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Cleveland Heights

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 Heights, OH, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Cleveland Heights include Central Mutual and American Family, offering $163 and $183, respectively. Frankenmuth is an expensive provider with an average six-month premium of $290.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$163	$27
American Family	$183	$31
Auto-Owners Insurance Co	$283	$48
Westfield	$283	$48
Erie	$389	$65
Nationwide	$813	$137
Travelers	$1089	$183
Grange	$1364	$232
USAA	$1435	$242
Auto-Owners	$1618	$273
Progressive	$2291	$386
Allstate	$2700	$455
State Farm	$5429	$904
Frankenmuth	$290	$49

Cleveland Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cleveland Heights OH. For example, the car insurance in Cleveland Heights after a DUI increases to $827 for a six month policy. While the rate increases by $183 for a six-month policy in the case of a speeding ticket.

Cleveland Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$870	$145
One Med/PIP claim	$890	$151
Not-at-fault accident	$904	$151
One comp claim	$926	$157
Two Med/PIP claims	$926	$155
Two comp claims	$969	$164
Failure to show documents	$976	$163
Driving without lights	$997	$169
Failure to wear a seat belt	$997	$167
Child safety restraint	$1017	$173
Driving with expired registration	$1017	$170
Driving too slowly	$1053	$179
Speeding 11 - 15 MPH over limit	$1053	$176
Speeding 6 - 10 MPH over limit	$1053	$179
Speeding in school zone	$1053	$176
Cell phone violation	$1060	$181
Failure to yield	$1060	$177
Following too closely	$1060	$181
Illegal turn	$1060	$177
Texting while driving	$1060	$181
Wrong way/wrong lane	$1060	$177
Failure to stop at a red light	$1067	$182
Improper passing	$1075	$179
Speeding 16 - 20 MPH over limit	$1075	$183
At-fault accident - less than $1000	$1110	$184
Passing school bus	$1117	$190
Speeding 21 - 25 MPH over limit	$1145	$190
In 65 MPH zone	$1159	$198
At-fault accident - $1000-$2000	$1279	$213
At-fault accident - greater than $2000	$1286	$219
Open container	$1286	$214
Operating a vehicle without permission	$1294	$220
Reckless driving	$1640	$274
Racing	$1668	$283
Refusal to submit to a chemical test	$1668	$278
Driving with a suspended license	$1683	$286
DUI	$1697	$283
Leaving scene of an accident/hit and run	$1746	$296

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Heights 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 Heights.

The cheapest car insurance premiums in Cleveland Heights are offered by American Family at $183 for a six-month policy. However, it can be as expensive as $1789 with companies like Grange.

Cleveland Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$183	$31
Erie	$551	$93
Travelers	$587	$99
Progressive	$685	$115
USAA	$714	$120
Nationwide	$1039	$175
State Farm	$1138	$194
Farmers	$1414	$236
Allstate	$1731	$292
Grange	$1789	$298

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 Heights are offered by American Family at $183. However, it can be as expensive as $1604 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Cleveland Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$183	$31
Auto-Owners Insurance Co	$183	$31
Westfield	$198	$33
Erie	$411	$69
USAA	$650	$108
Nationwide	$678	$114
Progressive	$714	$120
Allstate	$1555	$264
Grange	$1604	$268

Car Insurance Price Trends in Cleveland Heights, Ohio

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

The average cost of full coverage in the Cleveland Heights rose by $142 in December compared to $138 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Cleveland Heights rose to $43 in December, compared to $42 in November. This represents an increase of $1 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Cleveland Heights?

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

What is the cheapest car insurance in Cleveland Heights?

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

How much is car insurance in Cleveland Heights for teenagers?

Car insurance for teenagers costs $156 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 Heights?

The average cost of car insurance is $668 for a six-month policy. It will cost around $133 per month to insure your car in Cleveland Heights.

Is car insurance expensive in Cleveland Heights?

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

Cheapest Car Insurance Quotes in Cleveland Heights

Why you can trust Way?

How Much Is Car Insurance in Cleveland Heights

Avg. Car Insurance in Cleveland Heights

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Cleveland Heights

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Cleveland Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Cleveland Heights, OH

Way's key takeaways about car insurance in Cleveland Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cleveland Heights

Cheapest Liability Coverage in Cleveland Heights, OH

Cheapest Full Coverage Car Insurance in Cleveland Heights

Cheapest Full Coverage Car Insurance Quotes in Cleveland Heights, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cleveland Heights by Rating Factor

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

Car Insurance Premiums by Age in Cleveland Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cleveland Heights,OH

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

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 Heights

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

Cleveland Heights Car Insurance Rates by Violation

Cleveland Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cleveland Heights after a DUI

Cleveland Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cleveland Heights after Speeding ticket

Car Insurance Price Trends in Cleveland Heights, Ohio

Average Car Insurance Cost in Cleveland Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cleveland Heights, OH

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

Featured Blogs

Data Sources