Average car insurance cost in Cleveland

The average car insurance rate in Cleveland for full coverage is $1,643 per year or $137 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Cleveland is $440 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$821
Average annual premium$1,643
State minimum premium$440

Cheapest car insurance companies in Cleveland

Grange Insurance offers the cheapest rates on average at $1,129 per year. Auto-Owners is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Cleveland.

CompanyAverage 6 month rateAverage annual rate
Grange Insurance$564$1,129
Auto-Owners$668$1,335
Travelers$717$1,434
Erie Insurance$723$1,445
GEICO$826$1,653
Progressive$891$1,781
Cincinnati Insurance$911$1,822
Westfield Insurance$943$1,886
Farmers$1,070$2,140
Allstate$1,179$2,359
USAA$542$1,084

Cheapest car insurance cost in Cleveland by age group

Car insurance rates in Cleveland vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Cleveland by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Auto-Owners
  • Cheapest for young adults: Grange Insurance
  • Cheapest for adults: Grange Insurance
  • Cheapest for seniors: Grange Insurance

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Auto-Owners offers the cheapest car insurance for teens at $3,698 per year.

Grange Insurance offers the most affordable auto insurance for young adults at $1,916 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Grange Insurance provides the lowest car insurance rates at $1,105 per year for adult drivers in Cleveland.

Grange Insurance offers the least expensive car insurance for senior drivers in Cleveland, at $1,156 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Grange Insurance$4,319$1,916$1,105$1,156
Auto-Owners$3,698$2,322$1,353$1,383
Erie Insurance$3,978$2,433$1,466$1,556
Travelers$5,025$2,341$1,468$1,488
GEICO$3,931$2,127$1,645$1,750
Cincinnati Insurance$5,463$3,174$1,800$1,844
Progressive$8,321$3,090$1,801$1,872
Westfield Insurance$5,384$3,110$1,984$1,950
Farmers$9,015$3,528$2,067$2,171
Allstate$8,149$3,551$2,432$2,382
USAA$3,107$1,751$1,100$1,089

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.

Below are some of the cheapest car insurance companies in Cleveland by driver profile.

Cheapest for a driver with poor credit: Travelers

Travelers is the most affordable car insurance for drivers with poor credit. On average, drivers in Cleveland pay about $2,329 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Cleveland.

CompanyAverage 6 month premiumAverage annual premium
Travelers$1,165$2,329
GEICO$1,271$2,541
Progressive$1,481$2,962
Erie Insurance$1,683$3,365
Auto-Owners$1,888$3,775
Allstate$1,983$3,966
Farmers$2,381$4,761
USAA$1,027$2,054

Cheapest auto insurance after an at-fault accident: Erie Insurance

In Cleveland, Erie Insurance offers the cheapest car insurance for drivers with at-fault accident at $1,742 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Cleveland.

CompanyAverage 6 month premiumAverage annual premium
Erie Insurance$871$1,742
Auto-Owners$956$1,912
Travelers$1,057$2,113
Progressive$1,553$3,106
GEICO$1,666$3,331
Allstate$1,843$3,685
Farmers$2,016$4,031
USAA$825$1,649

Cheapest auto insurance after a DUI: Erie Insurance

Erie Insurance offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,218 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Cleveland.

CompanyAverage 6 month premiumAverage annual premium
Erie Insurance$1,109$2,218
Progressive$1,112$2,224
Travelers$1,134$2,267
Auto-Owners$1,311$2,622
Allstate$1,596$3,192
GEICO$1,965$3,930
Farmers$2,164$4,328
USAA$817$1,634

Cheapest for drivers with a speeding ticket: Erie Insurance

Erie Insurance offers the cheapest car insurance at $1,556 in Cleveland for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Erie Insurance$778$1,556
Auto-Owners$874$1,748
Travelers$1,085$2,170
Progressive$1,309$2,617
Allstate$1,449$2,898
GEICO$1,673$3,345
Farmers$1,730$3,459
USAA$683$1,366

Car insurance discounts for Cleveland drivers

The biggest car insurance discount available in Cleveland is for the years licensed category at 53.90%, offered by American Family.

Car insurance is essential for drivers in Cleveland, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Cleveland drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,4300.31%$8
Air BagsAuto-Owners$1,4420.24%$4
Air BagsErie Insurance$1,3290.30%$4
Air BagsGEICO$1,1580.37%$4
Air BagsNationwide$1,1131.26%$14
Air BagsWestfield Insurance$1,6670.20%$3
Anti-Theft DeviceAuto-Owners$1,4421.73%$25
Anti-Theft DeviceErie Insurance$1,3291.69%$23
Anti-Theft DeviceGEICO$1,1771.07%$13
Anti-Theft DeviceWestfield Insurance$1,6671.87%$31
Daily CommuteAuto-Owners$1,4428.97%$131
Daily CommuteCincinnati Insurance$1,5416.25%$96
Daily CommuteErie Insurance$1,3297.07%$94
Daily CommuteWestfield Insurance$1,6676.02%$100
Days Advanced PurchaseAllstate$2,43010.52%$256
Days Advanced PurchaseAuto-Owners$1,4426.00%$87
Days Advanced PurchaseCincinnati Insurance$1,54111.45%$176
Days Advanced PurchaseErie Insurance$1,3294.89%$65
Days Advanced PurchaseFarmers$1,5799.91%$156
Days Advanced PurchaseGrange Mutual$86912.53%$109
Days Advanced PurchaseProgressive$1,3053.57%$47
Days Advanced PurchaseTravelers$1,0438.28%$86
Days Advanced PurchaseWestfield Insurance$1,66710.90%$182
Days Per Week DrivenCincinnati Insurance$1,5416.25%$96
EducationGEICO$1,1584.52%$52
EducationGrange Mutual$8691.76%$15
EducationProgressive$1,3052.93%$38
Electronic Funds TransferAllstate$2,4306.13%$149
Electronic Funds TransferAmerican Family$1,1626.07%$71
Electronic Funds TransferFarmers$1,5791.98%$31
Electronic Funds TransferNationwide$1,1133.77%$42
Electronic Funds TransferTravelers$1,0433.97%$41
HomeownerAllstate$2,4304.51%$110
HomeownerAmerican Family$1,1624.33%$50
HomeownerAuto-Owners$1,4427.00%$101
HomeownerCincinnati Insurance$1,5414.75%$73
HomeownerFarmers$1,5791.36%$21
HomeownerGEICO$1,1588.86%$103
HomeownerGrange Mutual$8692.48%$22
HomeownerProgressive$1,3052.89%$38
HomeownerWestfield Insurance$1,7825.43%$97
Lower Annual MileageAmerican Family$1,1622.22%$26
Lower Annual MileageErie Insurance$1,3297.83%$104
Lower Annual MileageGEICO$1,1583.58%$42
Lower Annual MileageProgressive$1,3053.45%$46
Lower Annual MileageState Farm$1,1459.65%$111
Loyalty - Years Renewal With CompanyAllstate$2,4306.33%$154
Loyalty - Years Renewal With CompanyAmerican Family$1,1682.94%$34
Loyalty - Years Renewal With CompanyErie Insurance$1,3296.19%$82
Loyalty - Years Renewal With CompanyProgressive$1,3051.13%$15
Loyalty - Years Renewal With CompanyState Farm$1,14519.05%$218
Marital StatusAllstate$2,4301.22%$30
Marital StatusAmerican Family$1,16214.07%$163
Marital StatusCincinnati Insurance$1,5415.02%$77
Marital StatusErie Insurance$1,3294.74%$63
Marital StatusGrange Mutual$8695.32%$47
Marital StatusNationwide$1,1131.62%$18
Marital StatusProgressive$1,30514.35%$186
Marital StatusWestfield Insurance$1,7257.49%$132
Multi PolicyAllstate$2,4308.49%$206
Multi PolicyAmerican Family$1,1629.37%$109
Multi PolicyAuto-Owners$1,4427.80%$112
Multi PolicyCincinnati Insurance$1,54114.32%$221
Multi PolicyErie Insurance$1,3296.28%$84
Multi PolicyFarmers$1,57911.25%$178
Multi PolicyGEICO$1,1589.57%$111
Multi PolicyGrange Mutual$8694.79%$42
Multi PolicyNationwide$1,1134.13%$46
Multi PolicyProgressive$1,30511.74%$153
Multi PolicyState Farm$1,1459.46%$108
Multi PolicyTravelers$1,0437.23%$75
Multi PolicyWestfield Insurance$1,7366.89%$121
Paperless/Electornic DocumentsAllstate$2,4305.43%$132
Paperless/Electornic DocumentsAmerican Family$1,1626.07%$71
Paperless/Electornic DocumentsFarmers$1,5795.94%$94
Paperless/Electornic DocumentsNationwide$1,1133.77%$42
Paperless/Electornic DocumentsProgressive$1,3050.97%$13
Payment TypeAllstate$2,4309.03%$219
Payment TypeAmerican Family$1,1624.99%$58
Payment TypeAuto-Owners$1,44212.00%$173
Payment TypeCincinnati Insurance$1,54112.43%$192
Payment TypeFarmers$1,5794.95%$78
Payment TypeGrange Mutual$8696.30%$55
Payment TypeNationwide$1,1137.55%$84
Payment TypeTravelers$1,0438.98%$94
Payment TypeWestfield Insurance$1,7258.57%$150
Primary UseAllstate$2,4307.66%$186
Primary UseAuto-Owners$1,44214.12%$205
Primary UseCincinnati Insurance$1,54114.83%$229
Primary UseErie Insurance$1,32918.59%$247
Primary UseGrange Mutual$8696.23%$54
Primary UseNationwide$1,1137.55%$84
Primary UseProgressive$1,3051.96%$25
Primary UseState Farm$1,14511.27%$129
Primary UseTravelers$1,0434.28%$45
Primary UseWestfield Insurance$1,6677.72%$129
ProfessionGEICO$1,1584.52%$52
ProfessionGrange Mutual$86911.09%$96
ProfessionProgressive$1,30516.29%$213
Safety DevicesAllstate$2,4307.66%$186
Safety DevicesAmerican Family$1,1622.34%$27
Safety DevicesAuto-Owners$1,4423.49%$50
Safety DevicesErie Insurance$1,3292.11%$28
Safety DevicesGEICO$1,1582.04%$24
Safety DevicesGrange Mutual$8692.02%$18
Safety DevicesProgressive$1,3053.87%$51
Safety DevicesWestfield Insurance$1,6671.43%$24
TelematicsAllstate$2,4308.76%$213
TelematicsProgressive$1,3059.52%$124
TelematicsState Farm$1,14515.00%$172
Years InsuredAllstate$3,37721.60%$730
Years InsuredAmerican Family$1,2695.32%$67
Years InsuredCincinnati Insurance$2,03919.22%$392
Years InsuredFarmers$2,24621.28%$478
Years InsuredGEICO$1,3735.66%$77
Years InsuredGrange Mutual$1,7306.57%$114
Years InsuredProgressive$1,5636.85%$106
Years InsuredTravelers$1,83234.14%$626
Years InsuredWestfield Insurance$2,14317.88%$411
Years LicensedAmerican Family$2,98753.90%$1,610
Years LicensedFarmers$3,83041.39%$1,585
Years LicensedGEICO$1,95525.30%$494
Years LicensedNationwide$1,3827.45%$103
Years LicensedProgressive$2,15524.28%$523
Years LicensedState Farm$1,43217.53%$251
Years LicensedTravelers$3,05936.01%$1,101

How to get cheap car insurance in Cleveland in 2025

Find affordable car insurance in Cleveland by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Cleveland.

Methodology

Insurance.com commissioned 2023 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 2023.

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. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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