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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Cleveland drivers pay an average of $116 per month for car insurance, our data shows. That’s higher than Ohio’s statewide average — $101. But despite Cleveland’s relatively high average rates, many companies offer rates well below this figure.
For example, Mile Auto, State Farm, and Auto-Owners stand out as the three insurers with the most affordable average rates in the city, with prices starting as low as $40 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.
Mile Auto offers the lowest average monthly rate in Cleveland, at $40.
Cleveland’s average rates are $84 per month for basic liability coverage and $148 for full coverage.
Ohio requires all drivers to have at least 25/50/25 in liability coverage.
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.
Company  | Average Monthly Premium |
|---|---|
| Mile Auto | $40 |
| State Farm | $49 |
| Auto-Owners | $57 |
| Erie | $57 |
| GEICO | $62 |
| USAA | $63 |
| Safeco | $70 |
| American Family | $70 |
| Nationwide | $74 |
| The General | $76 |
| Root | $78 |
| Progressive | $80 |
| Commonwealth Casualty | $88 |
| CSAA | $91 |
| Direct Auto | $99 |
| Clearcover | $100 |
| Dairyland | $100 |
| Bristol West | $105 |
| National General | $107 |
| Allstate | $108 |
| Travelers | $117 |
| GAINSCO | $119 |
| Farmers | $121 |
| Hugo | $126 |
| Liberty Mutual | $132 |
| Foremost | $164 |
| State Auto | $165 |
Mile Auto emerges as the most affordable option, with an average monthly rate of just $40. 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.
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 | Mile Auto | $40 |
| Full coverage | Mile Auto | $54 |
| Teens | Mile Auto | $84 |
| Seniors | Mile Auto | $28 |
| Drivers with a speeding ticket | Mile Auto | $52 |
| Drivers with an at-fault accident | Mile Auto | $55 |
| Drivers with a DUI | Mile Auto | $65 |
| Drivers with excellent credit | Mile Auto | $35 |
| Drivers with poor credit | Mile Auto | $46 |
Policies in Cleveland start as low as $40 per month.
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 $84 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.
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 $148 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.
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 $227 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.
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 $85 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.
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 $166 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.
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 $169 per month, but you can often find a better deal with one of the five insurers highlighted in the chart below.
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 $192 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.
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 $131 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.
Compare personalized quotes from Cleveland’s top insurers.
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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
Most experts recommend buying coverage above the state’s minimum limits. With higher coverage limits, you’ll have more protection if you cause a serious accident with multiple injuries or significant property damage.
Lenders also require comprehensive and collision coverage if you finance or lease your car to protect their investment in your vehicle.
The Ohio Department of Insurance recommends higher liability limits and additional coverages, such as comprehensive and collision, to ensure adequate protection in case of an accident.[11]
Here are answers to some commonly asked questions about car insurance in Cleveland.
The average car insurance rate in Cleveland is $84 per month for basic liability coverage and $148 for full coverage, according to our data.
Cleveland’s average rates are higher than Ohio’s statewide averages. The average rate in Cleveland is $116 per month, compared to the statewide average of $101. But ultimately, whether Cleveland car insurance is expensive depends on several factors, including your address, driving history, age, and more.
Mile Auto offers the lowest average rate in Cleveland, at $40 per month, according to our data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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