Find Cheap Car Insurance Policies in Cleveland, OH
As the second-largest city in Ohio, Cleveland’s roadways weave through a diverse array of communities, each contributing to the city’s unique charm. From the bustling downtown district with its towering skyscrapers to the serene suburban enclaves – It’s important for drivers to have car insurance that not only meets their needs but also fits within their budget. One of the best ways for Cleveland residents to find affordable car insurance rates is by getting multiple free auto insurance quotes and comparing them all in one place. With InsuranceQuotes’ easy-to-use quote form and real-time cost comparison tools from our database of the cheapest local and national insurance companies, drivers can easily see which policy offers them the most coverage at the lowest price.
What is the Average Cost for Car Insurance in Cleveland, OH?
- State minimum liability on average in Cleveland costs $73 a month or $877 a year. Full coverage auto policies costs around $249 a month or $2,990 a year in Cleveland.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Cleveland – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Cleveland, OH
- In Cleveland the cheapest car insurance companies on average are Erie, Progressive and GEICO. State minimum liability car insurance starts at $32 a month or $386 a year. The cheapest full coverage car insurance starts at $149 a month or $1,784 a year with Erie Insurance.
Here are the average policy rates from the cheapest local and national insurance providers in Cleveland from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Erie Insurance | $386 | $32 | $1,784 | $149 |
| Progressive | $525 | $44 | $2,251 | $188 |
| GEICO | $555 | $46 | $1,956 | $163 |
| Allstate | $708 | $59 | $2,819 | $235 |
| State Farm | $1,182 | $98 | $3,546 | $295 |
How Much Car Insurance Do I Need in Ohio?
In Ohio, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Ohio includes:
- Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Ohio requires minimum bodily injury liability coverage of:
- $25,000 per person injured in any one accident
- $50,000 for all persons injured in any one accident
- Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Ohio requires minimum property damage liability coverage of:
- $25,000 for injury to or destruction of property of others in any one accident
- Uninsured/Underinsured Motorist Bodily Injury Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages. Ohio requires minimum UM/UIM coverage of:
- $25,000 per person
- $50,000 per accident
These are the minimum coverage requirements mandated by Ohio law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection. It’s essential to carefully consider your coverage needs and budget when selecting car insurance in Ohio, ensuring you have adequate protection while complying with state requirements. Consulting with an insurance agent can help you tailor a policy that meets your specific needs and financial circumstances.
While the above coverages are required by law, Ohio also offers additional optional coverage types for drivers to consider, including:
- Collision Coverage: This coverage pays for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage pays for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
