For a 40-year-old driver with a clean record, Cleveland car insurance averages about $158 a month ($1,894 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 15% above the Ohio average of $137 a month. Progressive has the lowest full-coverage average of the four insurers we price, at about $106 a month.
Cleveland is the second-most expensive of our seven Ohio city guides, behind Columbus. Our benchmark driver pays about $21 a month more here than the state average and about $11 a month more than in Akron.
Our data covers 27 ZIP codes with a Cleveland mailing address, including suburban ZIP codes south and west of the city. They range from about $136 a month in 44130 and 44144 to $179 in 44104.
Cost data comes from the auto rates insurers file with state regulators, priced across all 27 Cleveland ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.
How Much Is Car Insurance in Cleveland, OH?
Full coverage in Cleveland averages $1,894 a year, or about $158 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $536 a year ($45 a month), and 50/100/50 liability with comprehensive and collision averages $1,893 ($158 a month).
- Full coverage (100/300/100, $500 deductibles): $1,894 a year ($158 a month)
- 50/100/50 with $500 deductibles: $1,893 a year ($158 a month)
- Liability only (15/30/10): $536 a year ($45 a month)
- Cuyahoga County: $1,769 a year ($147 a month) for full coverage
- Ohio average: $1,638 a year ($137 a month) for full coverage
- ZIP code range: $136 (44130 and 44144) to $179 (44104) a month for full coverage
Cheap Car Insurance in Cleveland: Companies Compared
- Lowest average in our data, full coverage: Progressive, at about $106 a month ($1,274 a year).
- Next lowest: GEICO, at about $139 a month, then Erie at $155.
- Lowest liability-only average (15/30/10): Progressive, at about $28 a month, then Erie at $36.
- State Farm (Nov. 2025 rates)*: about $144 a month for full coverage, the latest rates we have for it here.
- Estimated: USAA at about $100 a month, Grange at $123, Auto-Owners at $159, Westfield at $174 and Travelers at $220 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $231 a month, $1,499 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the four insurers in our Cleveland rate data. USAA, Grange, Auto-Owners, Travelers and Westfield aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates. The published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA, which sells only to military families; others put Travelers or Auto-Owners first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among the insurers we price, at about $28 a month, followed by Erie at $36.
Full-coverage averages by insurer in Cleveland
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $332 | $28 | $1,274 | $106 |
| GEICO | $524 | $44 | $1,672 | $139 |
| Erie | $430 | $36 | $1,857 | $155 |
| Allstate | $860 | $72 | $2,773 | $231 |
| State Farm (Nov. 2025 rates)* | $477 | $40 | $1,729 | $144 |
| USAA (military families)* | $298 | $25 | $1,194 | $100 |
| Grange Insurance* | $303 | $25 | $1,477 | $123 |
| Auto-Owners* | $421 | $35 | $1,904 | $159 |
| Westfield* | $432 | $36 | $2,090 | $174 |
| Travelers* | $768 | $64 | $2,644 | $220 |
| Cleveland average | $536 | $45 | $1,894 | $158 |
This table uses Cleveland ZIP codes only. See how we calculated these rates.
Cleveland Car Insurance Rates by ZIP Code
Across the 27 Cleveland ZIP codes we price, full coverage for our driver ranges from about $136 a month in 44130 and 44144 to $179 in 44104, a gap of $511 a year. Suburban ZIP codes with Cleveland mailing addresses, such as 44130 and 44134 around Parma, are the least expensive in our data, and east-side ZIP codes such as 44103, 44104 and 44110 are the most expensive.
Lowest-priced Cleveland ZIP codes
Highest-priced Cleveland ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Cleveland’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 44102 | $539 | $45 | $1,928 | $161 | +2% |
| 44103 | $559 | $47 | $2,138 | $178 | +13% |
| 44104 | $563 | $47 | $2,146 | $179 | +13% |
| 44105 | $553 | $46 | $2,062 | $172 | +9% |
| 44106 | $538 | $45 | $1,981 | $165 | +4% |
| 44108 | $562 | $47 | $2,066 | $172 | +9% |
| 44109 | $525 | $44 | $1,882 | $157 | -1% |
| 44110 | $556 | $46 | $2,070 | $173 | +9% |
| 44111 | $531 | $44 | $1,823 | $152 | -4% |
| 44112 | $559 | $47 | $2,060 | $172 | +9% |
| 44113 | $534 | $45 | $1,907 | $159 | +1% |
| 44114 | $535 | $45 | $1,915 | $160 | +1% |
| 44115 | $552 | $46 | $2,038 | $170 | +8% |
| 44118 | $552 | $46 | $1,937 | $161 | +2% |
| 44119 | $538 | $45 | $1,850 | $154 | -3% |
| 44120 | $550 | $46 | $2,006 | $167 | +6% |
| 44121 | $536 | $45 | $1,843 | $154 | -3% |
| 44124 | $532 | $44 | $1,774 | $148 | -6% |
| 44125 | $534 | $45 | $1,860 | $155 | -2% |
| 44126 | $498 | $42 | $1,659 | $138 | -13% |
| 44128 | $558 | $47 | $2,055 | $171 | +8% |
| 44129 | $504 | $42 | $1,658 | $138 | -13% |
| 44130 | $501 | $42 | $1,635 | $136 | -14% |
| 44134 | $502 | $42 | $1,654 | $138 | -13% |
| 44135 | $528 | $44 | $1,772 | $148 | -6% |
| 44143 | $543 | $45 | $1,790 | $149 | -6% |
| 44144 | $503 | $42 | $1,636 | $136 | -14% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Cleveland?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Cleveland data: with the same $500 deductibles, full coverage averages $1,894 a year and 50/100/50 averages $1,893. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 in our data, so with those insurers you’d pay less for more coverage.
Is Car Insurance Going Up in Cleveland?
Not for our benchmark driver. Comparing the same insurers in the same Cleveland ZIP codes, full coverage averaged $1,993 a year in rates as of Nov. 30, 2025, and $1,894 as of Aug. 31, 2026, a 5.0% drop. Progressive cut its Cleveland average 19.4% and Erie 4.3%, while Allstate’s and GEICO’s averages were about unchanged. State Farm isn’t in the August 2026 rates, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 4.5%, led by Progressive, which cut its liability-only average 24.4%.
Why Does Car Insurance Cost More in Cleveland?
Cuyahoga County averages about $147 a month for full coverage, the eighth-most expensive of the 86 Ohio counties we price. Cleveland itself costs more than the county as a whole. Neighboring Lake County averages $126, Lorain County $121 and Medina County $122.
Many Cuyahoga County suburbs cost less: Strongsville averages about $124 a month, Berea $125 and Bay Village $127, while Euclid, east of the city, averages $152. Where you live is one of the factors Ohio insurers use, so your ZIP code can move your price.
How Cleveland Car Insurance Compares With Other Ohio Cities
More Ohio cities and towns are in the Ohio rates by city table, and you can compare states on our car insurance rates by state page.
Akron, about 30 miles south, averages $147 a month, and Canton, about 50 miles south, $134. Toledo averages $150 and Columbus $161.
What Car Insurance Is Required in Cleveland?
Drivers in Cleveland follow Ohio’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
Uninsured and underinsured motorist coverage is optional in Ohio, and insurers don’t have to include it, so check whether your policy has it. Our Ohio requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Cleveland
- Compare Progressive and GEICO first. They have the two lowest full-coverage averages in our Cleveland data, about $106 and $139 a month.
- Quote several insurers. In our Cleveland data, the lowest and highest insurer averages are about $125 a month apart for the same driver and car.
- Ask about uninsured motorist coverage. It’s optional in Ohio and insurers don’t have to include it, so add it if you want protection when a driver with no insurance or too little insurance injures you.
- Compare at every renewal. Since November 2025, Progressive has cut its Cleveland average 19.4% and Erie 4.3%, so the order in our table can shift.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Cleveland home insurance rates.
Ready to compare
How We Calculated Cleveland Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 108 full-coverage premiums from four insurers across 27 Cleveland ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Ohio averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Ohio’s minimum has been 25/50/25 since December 2013, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Other insurers: USAA, Grange, Auto-Owners, Travelers and Westfield aren’t in the Quadrant rate data we analyze, so their rows are estimated from published 2026 Ohio rate studies and aren’t included in our averages or rankings. State Farm isn’t in the August 2026 Quadrant rate data for Ohio, so its row shows its November 2025 rates, marked with an asterisk, and it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Ohio law and the Ohio Department of Insurance. We refresh these figures when new rate data is released.
Cleveland Car Insurance FAQ
For our benchmark driver, full coverage in Cleveland averages about $158 a month ($1,894 a year) and liability-only coverage about $45 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 15% above the Ohio average of $137 a month.
Progressive has the lowest full-coverage average in our Cleveland rate data, at about $106 a month, followed by GEICO at $139. For liability-only coverage, Progressive has the lowest average, at about $28 a month. USAA, Grange, Auto-Owners, Travelers and Westfield aren’t in the Quadrant rate data we analyze, but the published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Often, for our benchmark driver. Strongsville averages about $124 a month for full coverage, Berea $125 and Bay Village $127, compared with $158 in Cleveland. Euclid, east of the city, is closer to Cleveland’s average, at $152.
In our data, 44130 and 44144 share the lowest full-coverage average in Cleveland, at about $136 a month, and 44104 the highest, at about $179. The ZIP code table on this page lists all 27.
In our Cleveland data, full coverage (100/300/100 with $500 deductibles) averages about $158 a month and liability-only coverage at 15/30/10 limits about $45, a difference of about $113 a month ($1,358 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Cleveland full coverage fell 5.0% between November 2025 and August 2026, from about $1,993 to $1,894 a year. Progressive cut its Cleveland average 19.4% and Erie 4.3%. Liability-only coverage at 15/30/10 limits fell 4.5%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
