Finding the Best Car Insurance Quotes in Cleveland, Ohio

Cleveland is a major city located in northeast Ohio along the shores of Lake Erie. Home to the Rock and Roll Hall of Fame, Cleveland Orchestra, and several professional sports teams, the city offers plenty to see and do. As an auto insurance requirement state, Cleveland drivers must maintain minimum liability coverage. Shopping around for car insurance quotes is the best way to find affordable rates for Cleveland coverage.

Below we will look at key factors that determine Cleveland car insurance costs, who offers the cheapest policies, state minimum requirements, penalties for driving uninsured, and top tips for getting the lowest quotes.

What Impacts the Cost of Car Insurance in Cleveland?

Several important factors determine what Cleveland drivers will pay for auto insurance. These include:

  • Driving Record – Drivers with clean records without accidents, tickets or violations get the lowest rates. Even a single incident can increase premiums.

  • Age – Teenage and young drivers pay the highest rates due to lack of experience. Premiums decrease as you get older.

  • Vehicle Type – Insuring sports cars, SUVs, luxury vehicles and performance models costs more than standard sedans.

  • Credit History – Insurers use credit-based insurance scores to set premiums. Better scores mean lower rates.

  • Coverage Limits – Higher liability and deductible amounts reduce monthly costs. Minimum required limits provide the most savings.

  • Location – Urban areas like Cleveland may have more claims, accidents and auto thefts compared to rural regions.

  • Mileage – Drivers with high annual mileage are seen as more risky to insure.

Reviewing these factors can guide smart decisions to find cheap Cleveland car insurance quotes. Comparing prices from multiple companies is also essential.

Best Car Insurance Companies in Cleveland

Certain insurance carriers offer more affordable premiums through competitive pricing, discounts and policy options. Here are some top insurers for cheap car insurance quotes in Cleveland:

  • GEICO – Discount programs like multi-policy and good driver help lower GEICO’s already low base rates.

  • State Farm – As the largest insurer in Ohio, State Farm offers extensive discounts and mature driver savings.

  • Progressive – Online tools like Name Your Price provide flexibility to find budget-friendly Progressive premiums.

  • Allstate – Bundling discounts are common with Allstate, especially when you add renters or life insurance.

  • Nationwide – Available usage-based SmartRide program gives discounts for safe driving habits.

Having an independent agent compare quotes across multiple companies is an easy way to find the best match for your situation. Look at premium rates as well as customer service, financial strength and coverage options when choosing a provider.

Ohio Minimum Car Insurance Requirements

As mandated by state law, minimum liability auto insurance requirements in Cleveland and throughout Ohio are:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

However, experts strongly recommend:

  • $100,000 per person and $300,000 per accident bodily injury
  • $50,000-$100,000 property damage
  • Uninsured/underinsured motorist coverage
  • Comprehensive and collision if financing a vehicle

Higher liability limits better protect your assets in case of a serious accident. Comprehensive and collision add first-party coverage, while uninsured motorist protects you from irresponsible drivers.

Penalties of Driving Uninsured in Cleveland

The penalties and fines for driving without valid auto insurance in Cleveland include:

  • Fines up to $1000 for a first offense
  • License suspended for 90 days
  • Reinstatement fees over $450
  • Jail sentence up to 6 months
  • Vehicle registration and plates suspended

Maintaining continuous car insurance is required to legally operate a vehicle in Cleveland and avoid fines. Letting your policy lapse or cancel can lead to serious consequences.

Tips to Find Cheap Car Insurance Quotes in Cleveland

Follow these recommendations to get the lowest premiums on Cleveland auto insurance:

  • Compare quotes from national and regional insurance carriers to find the best rate.

  • Ask about discounts to see what you qualify for like multi-policy, good driver, safe vehicle, etc.

  • Take defensive driving courses approved by your insurer for premium reductions.

  • Drop comprehensive/collision coverage on older vehicles to just carry liability.

  • Increase deductibles for collision and comprehensive to lower monthly payments.

  • Limit your mileage whenever possible to be seen as lower risk.

  • Check premiums every 6 months for new discount opportunities.

  • Maintain excellent credit to keep your insurance score favorable.

Finding the cheapest car insurance in Cleveland takes some work, but pays off with hundreds of dollars in savings each year. Get free quotes to find coverage that fits your budget.

Radical Car Insurance Cleveland OH | Cheap Insurance Quotes


Who has the cheapest car insurance in Ohio?

Annual Premium
Monthly Premium
American Family
State Farm
Auto-Owners Insurance Co

How much does car insurance cost in Cleveland Ohio?

Drivers in Cleveland pay an average of $1,622 per year for car insurance, but you might find cheaper coverage if you shop around.

Who gives the lowest car insurance rates?

State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet’s 2024 analysis of minimum coverage rates. State Farm’s average annual rate was $471 or about $39 per month.

What is the best and cheapest insurance for car?

State Farm is the cheapest national car insurance company, at $41 per month for liability-only coverage. Geico also has cheap quotes, averaging $52 per month. USAA has the most affordable liability-only rates at $31 per month. But only military members, veterans or their families can qualify for USAA.

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