Home Car insurance Average car insurance cost Car insurance rates by state Ohio Cleveland, OH Average car insurance cost in Cleveland, OH The car insurance rates in Cleveland, Ohio is $1,643 per year. Grange Insurance offers the cheapest car insurance in Cleveland at $1,129 per year. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average car insurance cost in Cleveland, Ohio is $1,643 per year, according to Insure.com data. This is $226 more than the average auto insurance cost in Ohio and $252 less than the national average, as analyzed by Insure.com.City average ratesState average ratesNational average cost$1,643$1,417$1,895 The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.The article covers information on – the cheapest car insurance providers in Cleveland, the average car insurance rates by age, gender and how much is car insurance in Cleveland based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Cleveland. Read on to learn more.Key TakeawaysThe average car insurance cost in Cleveland, Ohio is $1,643 per year.Grange Insurance offers the cheapest car insurance in Cleveland, at an average of $1,129 per year.Young adults pay $2,668 per year for car insurance in Cleveland.Cheap car insurance companies in ClevelandGrange Insurance provides the best value for car insurance in Cleveland with coverage limits of 100/300/100, costing $1,129 annually.A close second is Auto-Owners, which offers car insurance at $1,335 per year.Company NameAverage annual costAverage monthly costGrange Insurance$1,129$94Auto Owners$1,335$111Travelers$1,434$120Erie Insurance$1,445$120Geico$1,653$138Progressive$1,781$148Cincinnati Insurance$1,822$152Westfield Insurance$1,886$157Farmers$2,140$178Allstate$2,359$197USAA$1,084$90Read about the best car insurance companies.Average car insurance cost in Cleveland by coverage limitsIn Cleveland, the average car insurance rates based on coverage types are as follows:State minimum coverage: $440 per year (limits are 25/50/25)Liability only coverage: $561 per year (limits are 50/100/50)Full coverage: $1,643 per year (limits are 100/300/100)Non-owners coverage: $253 per yearIn most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.Average car insurance rates by gender in ClevelandBased on an analysis by Insure.com, female drivers in Cleveland, Ohio pay an average annual car insurance premium of $1,650. In comparison, male drivers pay $1,635 annually, which is $15 less than what female drivers pay.According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.Read more on how gender affects car insurance rates.Average car insurance rates by age in ClevelandCar insurance rates in Cleveland, are highest for teens at $5,422 per year or $452 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $2,668 annually for their car insurance, which is $2,754 less than what teens pay for their insurance coverage.In Cleveland, adult drivers pay an average of $1,656 per year for car insurance, while senior drivers pay $1,695 annually.The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.Read more on auto insurance for seniors.The table below depicts the average annual rates for drivers of different age groups:Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$5,422$2,668$1,656$1,695Car insurance rate trends in ClevelandExamining the trends in car insurance rates in Cleveland, Ohio, there was an upward trend from 2022 to 2023. Between 2022 and 2023, rates increase overall by 35% or $427.The table below illustrates the trend over the three years:2016 rates2019 rates2022 rates2023 rates$1,142$1,386$1,216$1,643ConclusionIn conclusion, the insurance rates in Cleveland, are higher than the average insurance cost in Ohio. Shopping around and taking advantage of available discounts, drivers in Cleveland can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.SourcesInsurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.MethodologyInsure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. How much is car insurance in other citiesAkronCincinnatiColumbusColumbusToledoPrachi SinghContributing Researcher  . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in ClevelandAverage car insurance cost in Cleveland by coverage limitsAverage car insurance rates by gender in ClevelandAverage car insurance rates by age in ClevelandCar insurance rate trends in ClevelandConclusionSourcesMethodology ZIP Code Please enter valid ZIP See rates