The Cheapest Auto Insurance Companies in Cleveland, Ohio, in 2026

Cleveland drivers pay an average of $116 per month for car insurance, our data shows. That’s higher than Ohio’s statewide average — $98. But despite Cleveland’s relatively high average rates, many companies offer rates well below this figure.

For example, State Farm, Mile Auto, and Progressive stand out as the three insurers with the most affordable average rates in the city, with prices starting as low as $51 per month.

Throughout this article, we’ll explore the cheapest insurers for various driver types in Cleveland, how to pick the right company for your needs, and tips for saving on your car insurance premium.

The Cheapest Car Insurance Companies in Cleveland, Ohio

Even with Cleveland’s higher-than-average rates, you can still find affordable coverage if you know where to look. Several companies offer policies for well below the citywide average.

The table below shows the cheapest insurers in Cleveland, according to Compare.com data.

The below rates in Cleveland, OH, are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT. 

Company	Average Monthly Premium
State Farm	$51
Mile Auto	$53
Progressive	$59
Auto-Owners	$60
Erie	$60
Commonwealth Casualty	$66
USAA	$67
GEICO	$68
Safeco	$69
The General	$71
American Family	$74
Certainly	$77
Trexis	$85
AssuranceAmerica	$87
Hugo	$90
Trexis One	$90
First Acceptance	$91
Allstate	$96
Direct Auto	$97
GAINSCO	$97
Elephant	$98
Clearcover	$103
Bristol West	$105
Dairyland	$111
Root	$115
Liberty Mutual	$116
National General	$117
Travelers	$123
Farmers	$127
Insurify Car	$157
CSAA	$161
State Auto	$175

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Sunday, November 1 at 12:19 AM PDT.

State Farm emerges as the most affordable option, with an average monthly rate of just $51. But that doesn’t mean it’s necessarily the cheapest option for you, since personal factors can determine your rates from each company.

To give you a better idea of what you’ll actually pay, the following sections will break down the cheapest companies by all the top rating factors, including age, driving history, and coverage type.

Cheapest Car Insurance in Cleveland by Driver and Coverage Type

While the above companies are a good starting point, your personal rates can vary widely based on factors like your age, driving record, address, and more. That’s why it’s so important to compare rates from companies that offer affordable coverage to drivers with a similar profile to yours.

To get you started, the table below shows the cheapest companies for a variety of backgrounds and coverages, according to our data.

Driver/Coverage Type	Cheapest Insurer	Insurer’s Average Monthly Premium
State-minimum coverage	State Farm	$51
Full coverage	State Farm	$84
Teens	State Farm	$106
Seniors	State Farm	$40
Drivers with a speeding ticket	State Farm	$66
Drivers with an at-fault accident	State Farm	$71
Drivers with a DUI	State Farm	$74
Drivers with excellent credit	State Farm	$42
Drivers with poor credit	State Farm	$75

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

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Cheapest state-minimum coverage: State Farm

All Ohio drivers need auto insurance to legally drive on public roads, and the state has specific minimum limits you must purchase. In Ohio, that’s 25/50/25 liability coverage (more on that later).

The average rate for this type of minimum coverage in Cleveland is $82 per month, according to Compare.com data.

But most experts recommend purchasing more coverage than the state requires.^[1] After all, with vehicle prices^[2] and medical costs on the rise,^[3] minimum liability limits might not be enough to fully protect you after a serious accident.

But if you need only bare-bones coverage that meets Ohio’s minimum requirements, we’ve highlighted the five cheapest companies in the chart below.

Cheapest full coverage: State Farm

Most drivers should consider full coverage for better protection, which typically includes comprehensive and collision coverage in addition to the state’s minimum requirements. These added coverages help protect your vehicle against theft, vandalism, and accidents.

Plus, lenders will require you to purchase full coverage if you finance or lease your car.^[4] This requirement helps protect their investment in your vehicle, according to the Consumer Financial Protection Bureau.

The average rate for full coverage in Cleveland is $150 per month, our data shows. But even with these higher rates, several insurers tend to offer full coverage for close to the average cost of basic liability insurance in Cleveland, including the five insurers featured in the chart below.

Cheapest for teens: State Farm

Teens have some of the most expensive insurance of any age group, primarily due to their lack of driving experience and higher likelihood of accidents. In fact, teen drivers are nearly three times as likely to be in a fatal crash as drivers age 20 and older, according to the Centers for Disease Control and Prevention.^[5]

We found that, nationwide, the average teen pays nearly double that of someone 20 or older. As for Cleveland specifically, the average rate for teens is $249 per month. But it’s still possible to find a good deal if you’re a teen driver.

To get you started, the chart below shows the five cheapest insurers in Cleveland for teens, according to Compare.com data.

Cheapest for seniors: State Farm

On the other end of the spectrum, seniors tend to have some of the cheapest rates of any age group. This is largely because they have decades of driving experience and typically drive fewer miles. In fact, the Insurance Institute for Highway Safety (IIHS) found that senior drivers are less likely to drive at night and during peak traffic hours, which reduces their risk of accidents.^[6]

The average rate for seniors in Cleveland is $99 per month, according to Compare.com data. But even with these low average rates, you can likely find a better deal from several companies, like the ones shown below.

Cheapest after a ticket: State Farm

Getting a ticket can cause your rates to go up the next time your policy renews. That’s because insurance companies see tickets as a sign that you’re more likely to be involved in an accident in the future.^[7]

Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide. In Cleveland, the average rate for people with a recent ticket is $155 per month, according to our data. But several insurers offer lower rates to many Cleveland drivers, regardless of their driving history.

The chart below shows the five cheapest insurers in Cleveland for people with a recent ticket, according to Compare.com data.

Cheapest after an accident: State Farm

Causing an accident can cause your rates to jump even more since it indicates to insurers that you’re more likely to file a claim in the future. In fact, our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.

Our data shows that the average rate for people with a recent accident in Cleveland is $166 per month, but you can often find a better deal with one of the five insurers highlighted in the chart below.

Cheapest after a DUI: State Farm

A DUI conviction causes the sharpest increase in car insurance rates of any incident. Our research shows average rates increase by a staggering 59% nationwide after a DUI conviction.

On top of these higher rates, getting a DUI can make it difficult to find coverage at all.^[8] But fortunately, some insurers specialize in high-risk drivers, including people with DUIs.

The average rate for people with a DUI conviction in Cleveland is $169 per month, according to Compare.com data, but you’re not necessarily stuck with sky-high rates. If you’re looking for cheaper coverage, it’s worth checking out the five insurers in the chart below.

Cheapest for bad credit: State Farm

Some insurance companies look at your credit history when calculating your rates. Insurance companies use something called a credit-based insurance score to determine your likelihood of defaulting on your bill or filing claims in the future. Studies have shown a correlation between credit history and insurance claims, which is why many insurers use this factor in their pricing.^[9]

That means drivers with spotty credit histories typically pay a lot more for car insurance. In fact, our research shows drivers with poor credit pay 40% more than people with excellent credit scores.

The average rate for people with poor credit in Cleveland is $145 per month, according to Compare.com data. But not all companies look at your credit, and some offer extremely affordable rates, regardless of your credit history.

Check out the chart below to find the five cheapest insurers in Cleveland for drivers with bad credit, according to our data.

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Ohio Auto Insurance Requirements

Ohio, like nearly every state, requires all drivers to have car insurance. No matter where you live in the Buckeye State, this includes:^[10]

• Bodily injury liability per person: $25,000

• Bodily injury liability per accident: $50,000

• Property damage liability: $25,000

Cleveland Auto Insurance FAQs