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If you're looking for the best and cheapest car insurance in Cleveland, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Cleveland and prepared this guide for you.

The average cost of auto insurance in Cleveland for full coverage is $1,164 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Cleveland. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Cleveland

According to a study by Insurance.com, the cheapest car insurance companies in Cleveland for 2023 are Nationwide and Geico.

Nationwide is the cheapest option for most Cleveland drivers, with an average annual rate of $785.

Car insurance cost may vary in Cleveland based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Cleveland

CompaniesAverage Annual Rates
Nationwide$785
Geico$815
USAA$959
Travelers$1,000
State Farm$1,101
American Family$1,164
Erie Insurance$1,170
Auto-Owners$1,178
Progressive$1,296
Farmers$1,496
Allstate$1,840

Cheapest car insurance cost in Cleveland by Age Group

The cheapest auto insurance company in Cleveland for teen drivers is USAA. For full coverage, its average annual rate for Cleveland drivers is $2,734. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Cleveland at about $1,388 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Cleveland is the Nationwide. Its average rate for a full coverage car insurance policy is $794 per year.

If you are a senior driver in Cleveland and looking for a cheap car insurance company, then consider buying insurance from the Nationwide. It is the cheapest auto insurance company for senior drivers with an average premium of $792 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$1,934$1,826$5,207$2,564
American Family$1,177$1,151$3,672$1,838
Auto-Owners$1,217$1,181$3,717$2,206
Erie Insurance$1,207$1,213$3,563$2,042
Farmers$1,519$1,530$8,188$2,774
Geico$865$851$2,815$1,388
Nationwide$794$792$3,212$1,425
Progressive$1,358$1,360$7,284$2,450
State Farm$1,138$1,060$3,669$2,051
Travelers$1,041$1,038$3,751$1,667
USAA$993$948$2,734$1,524

Cheapest car insurance companies in Cleveland by driver profile

Car insurance rates in Cleveland vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Cleveland, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Cleveland based on driver profile.

Cheapest for a driver with poor credit: Nationwide

The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Cleveland drivers at about $1,123 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Nationwide$1,123
Geico$1,265
USAA$1,600
Travelers$1,712
American Family$2,019
Progressive$2,295
State Farm$2,506
Farmers$2,554
Erie$2,748
Allstate$2,926
Auto-Owners$3,182

Cheapest for drivers with a speeding ticket: Nationwide

Nationwide offers the cheapest auto insurance rates for drivers with a speeding ticket in Cleveland. It offers full coverage car insurance for drivers age 30 at about $937 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
Nationwide$937
USAA$1,081
American Family$1,210
State Farm$1,221
Erie$1,264
Auto-Owners$1,300
Geico$1,479
Travelers$1,498
Progressive$1,656
Farmers$2,134
Allstate$2,307

Cheapest auto insurance after an at-fault accident: Nationwide

Nationwide is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Cleveland is $1,148. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
Nationwide$1,148
American Family$1,210
USAA$1,308
State Farm$1,322
Travelers$1,486
Erie$1,535
Auto-Owners$1,604
Geico$1,645
Progressive$2,077
Farmers$2,331
Allstate$2,960

Cheapest auto insurance after a DUI: American Family

American Family is the carrier that offers cheap auto insurance rates in Cleveland for drivers after a DUI. Its average annual rate for full coverage is $1,210.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
American Family$1,210
State Farm$1,221
USAA$1,292
Nationwide$1,405
Progressive$1,510
Travelers$1,605
Erie$1,807
Geico$1,894
Auto-Owners$2,188
Farmers$2,214
Allstate$2,553

Average car insurance cost in Cleveland

The average car insurance rate in Cleveland for full coverage is $1,164 per year or $97 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Cleveland is $349 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,164$349

Methodology

Insurance.com commissioned 2022 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2022.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Ohio

Cincinnati
$1,150/year
Defiance
$905/year
Elyria
$918/year
Marion
$950/year
Mason
$968/year
Tiffin
$868/year
Upper Sandusky
$884/year
Warren
$1,009/year

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