Car Insurance in Cleveland
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Car Insurance in Cleveland, OH
Whether heading to the Flats for fun or cheering on the teams in "Believeland," Clevelanders have a ton of options for entertainment. They also have lots of choices for cheap car insurance in Cleveland, so shopping around is a must.
Ohio's second-largest city doesn't have any unusual traffic laws compared to the rest of Ohio, but the lay of the land does make for some interesting features. Cleveland drivers have to deal with lake effect snow and the traffic from bridges that may pause road traffic to allow ships to pass. Now for some good news: Drivers in Cuyahoga County don't need insurance beyond the minimum amount required by Ohio state law.
Whether you live in the Land or are just passing through, be sure to compare car insurance rates. Shopping around is important, as prices vary based on the company, your driving record, age, and even whether you live in Shaker Heights or Lakewood.
How much is car insurance in Cleveland, OH?
The cost of car insurance in Cleveland can range widely depending on the coverage you choose and your driving history. If you want a general idea of how much you might pay, here are the average prices for the three most popular types of coverage in Cleveland, helping you better understand what to expect:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Cleveland?
Finding the cheapest cars to insure in Cleveland can be a tough job, given all the variables involved. However, if you’re eyeing newer models that generally come with lower insurance rates, we’ve got you covered. Here are the top 10 cars in Cleveland that offer the lowest insurance premiums, making them great choices for cost-conscious drivers:Rank | Make and Model | Average Monthly Premium |
---|---|---|
1 | Dodge Grand Caravan | $129 |
2 | Subaru Forester | $130 |
3 | Honda Cr-V | $130 |
4 | Ford F-150 | $136 |
5 | Ford Fusion | $136 |
6 | Kia Sol | $136 |
7 | Toyota Tacoma | $138 |
8 | Jeep Cherokee | $138 |
9 | Toyota Corolla | $139 |
10 | Toyota Rav4 | $142 |
Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 |
How do claims and violations impact my total cost?
Incidents on the road, from small accidents to severe crashes or traffic violations, can raise your insurance rates in Cleveland. The more serious the incident, the more you’ll likely see an increase in your premium. Check out this breakdown of how common violations affect insurance costs in Cleveland, ranked from the least impactful to the most significant:
Violation or Claim | Average Monthly Cost | Price Difference |
---|---|---|
None | $142 | +0% |
Not at-fault Accident | $151 | +6% |
Driving with expired registration | $181 | +27% |
Speeding Ticket | $188 | +32% |
At-fault Accident | $231 | +63% |
DUI | $267 | +88% |
Hit and Run | $271 | +91% |
Driving with a suspended license | $278 | +96% |
What car insurance discounts can I get in Cleveland?
Potential Discounts | Average Monthly Cost | Monthly Savings |
---|---|---|
Multi-Policy Home | $128 | +$14 |
Paid in Full | $132 | +$10 |
Low Mileage | $134 | +$8 |
Multi-Policy Renters | $134 | +$8 |
Electronic Funds Transfer | $139 | +$3 |
Renewal discount | $141 | +$1 |
Paperless | $141 | +$1 |
None | $142 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.