Cheap Car Insurance in Cleveland, Ohio (2022)

Erie offers the cheapest car insurance in Cleveland at $84 for full coverage.

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The cheapest car insurance in Cleveland, Ohio, comes from Erie, according to our 2022 survey of providers. The company offers minimum-coverage policies for an average of $33 per month.

Erie’s full-coverage rates, which average just $84 per month, also top our list. That’s well below the citywide average of $126 for full-coverage car insurance.

State Farm trails just behind Erie on both fronts, offering minimum coverage for $44 a month and full coverage for $89 a month.

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Where to get cheap car insurance in Cleveland

For cheap car insurance in Cleveland, drivers should look to Erie. The provider offers minimum-coverage plans at a city-best average of $33 per month.

State Farm and Progressive are the next-best options, with rates of $44 and $45, respectively. GEICO, with an average rate of $58 per month, also falls below the city average.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE IN CLEVELAND
Company Monthly rate
Erie $33
State Farm $44
Progressive $45
GEICO $58
City Average $64
Nationwide $79
Allstate $89
Grange $97
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

State law requires drivers to have a minimum threshold of liability coverage. In Ohio, drivers must meet the following requirements:

  • $25,000 for the injury or death of one person
  • $50,000 for multiple injuries or deaths in an accident.
  • $25,000 for property damage

Cheap full-coverage car insurance in Cleveland

The most affordable full-coverage car insurance in Cleveland also comes from Erie. The company’s monthly rate of $84 is significantly lower than the citywide average of $126.

State Farm, Grange and GEICO offer competitive rates, too, with monthly prices averaging $89, $102 and $116, respectively.

A full-coverage car insurance policy typically includes collision and comprehensive coverage, in addition to meeting the state’s liability requirements.

No state requires full coverage, but it’s often recommended for those with new or expensive vehicles. In many cases, lenders and lessors may also require it.

CHEAPEST FULL-COVERAGE CAR INSURANCE IN CLEVELAND
Company Monthly rate
Erie $33
State Farm $89
Grange $102
GEICO $116
Progressive $122
City Average $126
Nationwide $161
Allstate $207
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance in Cleveland for drivers with a DUI

State Farm has the cheapest car insurance for drivers with a DUI. In Cleveland, drivers with one DUI on their record can get a full-coverage policy for an average of $98 a month.

Cleveland drivers with a DUI can experience a major price increase, according to our survey. The citywide average for a full-coverage rate is $126 a month for all drivers, but for those with a DUI, that number increases to $197.

CHEAPEST CAR INSURANCE WITH A DUI
Company Monthly rate
State Farm $98
Erie $122
Progressive $140
Grange $147
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

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Cheapest car insurance in Cleveland for drivers with accidents or tickets

Cleveland drivers with an accident on their record can find the best car insurance prices at Erie. The company offers them full-coverage rates for $103 a month.

State Farm is by far the second-cheapest option, with a monthly rate of $106. Beyond that, the next-best option is Grange, which has prices of almost $60 higher.

CHEAPEST CAR INSURANCE WITH AN ACCIDENT
Company Monthly rate
Erie $103
State Farm $106
Grange $165
Progressive $185
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Erie has the most affordable insurance for drivers with a speeding ticket, too. In Cleveland, a driver with one ticket on their record can get full coverage for an average of $84 a month.

State Farm is again a competitive alternative. On average, the company offers a monthly premium of $98.

CHEAPEST CAR INSURANCE WITH A SPEEDING TICKET
Company Monthly rate
Erie $84
State Farm $98
GEICO $147
Progressive $151
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheap car insurance in Cleveland for teen drivers

Those looking for the cheapest car insurance for teen drivers should head to Erie. There, 18-year-old drivers with a clean record can enjoy minimum-coverage rates of $78 a month.

Teen drivers in Cleveland pay a good deal more than the average driver. Citywide, the mean minimum-coverage policy costs $64. For teens, it’s $196 — over 200% more.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR TEENS
Company Monthly rate
Erie $78
State Farm $139
Progressive $150
GEICO $170
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The best full-coverage rates for teens in Cleveland also come from Erie, where the average rate is $204 per month. Again, that’s for an 18-year-old with a clean driving record.

Grange and State Farm follow just behind Erie here, with monthly policies averaging at $218 and $284, respectively.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR TEENS
Company Monthly rate
Erie $204
Grange $218
State Farm $284
GEICO $351
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheap car insurance in Cleveland for senior drivers

Senior drivers in Cleveland will find the best minimum-coverage car insurance rates at Erie. The company’s mean monthly cost of $32 is almost half the citywide average of $63.

Here, a senior driver is defined as a 60-year-old with a clean driving record. This means they have no tickets, accidents or DUIs on their record.

Progressive and State Farm also offer great options for Cleveland seniors, with their respective policies costing $40 and $42 a month.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR SENIORS
Company Monthly rate
Erie $32
Grange $40
State Farm $42
GEICO $63
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Erie once again has the best full-coverage option. There, 60-year-olds with clean records will enjoy an average cost of $81 a month.

In Cleveland, the average full-coverage cost for a senior driver is $116 a month. That’s just below the overall citywide average of $126.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR SENIORS
Company Monthly rate
Erie $81
State Farm $83
Progressive $96
Grange $107
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance requirements in Cleveland

Statewide, drivers are required to hold, at minimum, liability coverage for the damage inflicted by potential accidents. That coverage must feature the following:

  • At least $25,000 for the injury or death of one person
  • At least $50,000 for multiple injuries or deaths in an accident
  • At least $25,000 for property damage

Full-coverage car insurance, meanwhile, includes liability coverage as well as collision and comprehensive coverages. Drivers may also add coverage for things like funeral costs, uninsured drivers and personal injury protection.

No state law requires full coverage, but some lenders and lessors do. Additionally, it’s not a bad idea if your car is new or particularly expensive.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Cleveland ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Ohio’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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