Best Auto Insurance Rates in Cleveland, Ohio

On average your neighbors pay $58 a month.

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Wednesday, November 14 2018 By QuoteWizard

What do Paul Newman, Bob Hope, Dean Martin, Tom Hanks, and Halle Berry have in common? They’re all natives of C-Town, along with Carol Kane, Wes Craven, Drew Carey, and many, many more. With QuoteWizard, you don’t have to be famous to get affordable car insurance rates.

Average Cleveland Car Insurance Rates

How much is car insurance in Cleveland, OH? High crime rates, especially vehicle theft rates, are jacking up insurance costs in Cleveland. Many drivers here pay more than both the state and national average. The average cost of auto insurance in Ohio is $702.59 a year. The national average cost is $889.01.

Prices may vary depending on your zip code and the number of insurance claims filed.

Ohio Average Annual Car Insurance Rates
Coverage Rates
Liability $388.88
Collision $260.20
Comprehensive $117.58
Total Cost Per Year $702.59
Price Per Month $58.54
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Ohio insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Ohio car insurance rates increased from $619 in 2011 to $702 in 2015, a jump of $82, or 13.37 percent.

Ohio average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Cleveland, Ohio and save up to 40% on your premium.

Last year, 18,852 people used QuoteWizard to compare auto insurance quotes in Cleveland, OH from multiple companies and find the cheapest rates.

Best Car Insurance Companies in Cleveland, OH

This is our list of the most common car insurance companies reported by QuoteWizard users living in Cleveland, Ohio last year. 1,528 of these users did not have insurance when they requested a quote.

  1. Progressive
  2. GEICO
  3. State Farm
  4. Allstate
  5. Nationwide
  6. Farmers
  7. Esurance
  8. Liberty Mutual
  9. AAA
  10. 21st Century

Other popular Cleveland, Ohio car insurance companies: American Family, Country Financial, MetLife, Erie, Travelers, USAA, General Accident, and Hartford.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Cleveland, Ohio drivers requesting quotes through QuoteWizard last year.

  1. Ford Taurus SE
  2. Chevrolet Cavalier
  3. Honda Accord EX/LX
  4. Chevrolet Impala
  5. Ford F150
  6. Chevrolet Malibu LS
  7. Chevrolet Impala
  8. Ford Focus
  9. Chevrolet Blazer
  10. Kia Soul

Minimum Car Insurance Requirements in Cleveland, OH

Drivers in Cleveland, Ohio are required to maintain minimum liability coverage known as the 25/50/25 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most your insurance carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The max your insurer will pay for property damage caused by a car accident.

Cleveland Drivers

A recent report by Allstate Insurance on safe driving ranked Cleveland drivers are close to average. Cleveland, Ohio ranked 87th out of 200 cities. Most US drivers go ten years between accidents. Drivers here are involved in car accidents every 8.9 years. 450 of the 18,852 Cleveland drivers that used QuoteWizard last year had incidents on their driving record.

Driving Conditions

Driving conditions are important factors that affect insurance rates.

Weather

Cleveland's weather falls under the continental climate category. This means that the city experiences all four seasons and ranges from hot, humid summers to cold, snowy winters. Cleveland is very close to Lake Erie and gets plenty of lake effect snow in the winter. An average of 46.9 snowy days bring an average of 68.1 inches of snow each winter. As if that wasn't enough for commuters, it rains a lot, too! The city gets an average of 39.14 inches of rainfall a year that's distributed evenly throughout the year.

Road Conditions

TRIP reports that 49% of the major roads in Cleveland, OH are in poor condition. 14% are mediocre. These poorly maintained streets costs drivers $748 a year in extra vehicle operating costs.

Traffic Congestion

TomTom ranked Cleveland, OH 65th for worst traffic congestion in the United States. At least traffic congestion isn't too bad. An average commuter spends an extra 14 minutes per hour stuck in traffic during rush hour commutes. An additional 52 hours per year is wasted for those with 30-minute commutes.

Moving Violations

Moving violations like drunk driving, accidents, and speeding tickets will give you a bad driving record. If your insurance carrier finds out, they'll jack your rates up. If your driving history is bad enough, you may have to purchase high-risk auto insurance.

Traffic Tickets

The Cleveland Municipal Court Clerk of Courts website allows you to pay traffic citations. It also tells drivers how to contest tickets.

SR-22 OVI Insurance

An OVI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from top companies that specialize in Cleveland OVI insurance.

Traffic Accident Statistics

In 2013, Cleveland Police Department reported 15,806 traffic accidents. That’s a 3.4 percent increase from the 15,281 traffic accidents in 2012.

Traffic Fatalities

Cleveland experienced 21 deaths in motor vehicle crashes in 2013. This works out to a fatality rate of 1.28 per 100,000 residents. All traffic deaths are a tragic loss, and considering Cleveland’s estimated population of 385,809, this is a safe city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Cleveland reported 3,518 vehicle thefts in 2016. A rate of 9.07 per 1,000 residents. If this number seems high, that's because it is. Vehicle theft rates in Cleveland are well above the national average of 2.20 per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are a great way to lower your rates. Below are some of the auto insurance discounts available to drivers in Cleveland, OH. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. Safe driver. If you have a perfect driving record with no tickets or accidents you may qualify for the safe driver or accident-free discount
  6. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount

Sources:

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