What is the Best Cheap Auto Insurance in Cleveland, Ohio?

One of the more important considerations that are looked at to determine the amount you pay for auto insurance is where you call home in Cleveland. Areas with high crime rates or more dense population tend to pay more, whereas areas with less crime or weather claims have the luxury of lower rates.

The following table ranks the highest-priced places in Ohio in which to buy car insurance. Cleveland is ranked #3 with an annual cost of $1,235 for the average policyholder, which is approximately $103 each month.

How much does car insurance cost in Cleveland, OH?
Rank City Annual Rate
1 Toledo $1,279
2 Youngstown $1,247
3 Cleveland $1,235
4 Columbus $1,211
5 Cincinnati $1,210
6 Cleveland Heights $1,202
7 Euclid $1,164
8 Hamilton $1,135
9 Akron $1,135
10 Dayton $1,108
11 Springfield $1,105
12 Newark $1,095
13 Lakewood $1,063
14 Canton $1,058
15 Fairfield $1,053
16 Beavercreek $1,047
17 Strongsville $1,041
18 Middletown $1,035
19 Parma $1,027
20 Mansfield $1,022
21 Kettering $1,020
22 Cuyahoga Falls $1,007
23 Mentor $988
24 Elyria $975
25 Lorain $975
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Premium costs are comparative as vehicle location can raise or lower premium rates substantially.

Having seen where Cleveland ranks on price, establishing which insurers offer the most affordable insurance rates in Cleveland will take a little more effort in order to find the best price. Each insurance company has a different formula to establish rates, so let’s take a look at the overall cheapest insurance companies in Cleveland.

It’s important to understand that Cleveland insurance rates are determined by lots of factors which can substantially decrease or increase the price of coverage. Simply getting older, moving across town, or getting a reckless driving citation can trigger changes in premium that can now make some companies more affordable than others.

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Rankings for the cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $635
2 Allied $669
3 Erie $681
4 Frankenmuth $701
5 USAA $719
6 Travelers $726
7 Merchants Insurance Group $755
8 Cincinnati Insurance $756
9 Grange Mutual $804
10 General Casualty $813
11 Motorists Mutual $816
12 Central Mutual $848
13 State Farm $858
14 Hastings Mutual $866
15 Westfield $918
16 Atlantic States $931
17 Western Reserve $941
18 Nationwide $988
19 Auto-Owners $988
20 Progressive $991
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Utica National quotes some of the cheapest car insurance rates in Cleveland at around $635 each year. This is $405 less than the average rate paid by Ohio drivers of $1,040. Allied, Erie, Frankenmuth, and USAA would also make the list of some of the cheapest Cleveland, OH auto insurance companies.

As shown in the table above, if you currently buy coverage from Erie and switched to Utica National, you might achieve an annual premium reduction of upwards of $46. Policyholders with Frankenmuth could save as much as $66 a year, and USAA insureds might lower prices by $84 a year.

Bear in mind that those premiums are averaged for all insureds and vehicles and and are not calculated with an exact zip code location in Cleveland. So the insurer that is most affordable for your situation may not even be in the top 33 companies in the list above. That’s why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The type of vehicle you are buying coverage for is one of the biggest factors that determines whether or not you find the cheapest insurance in Cleveland. Vehicles with lower acceleration and performance, good safety features, or a positive history of liability claims will cost less to insure than high performance models. The next list outlines coverage prices for the cheaper automobiles to insure in Ohio.

Cheapest Vehicles to Insure in Cleveland, OH
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,246
Ford Escape Limited 4WD $1,350
Honda Accord EX 4-Dr Sedan $1,426
Toyota RAV4 Limited 4WD $1,474
Toyota Camry LE $1,482
Toyota Tacoma Double Cab 4WD $1,502
Hyundai Elantra GLS 4-Dr Sedan $1,550
Volkswagen Jetta 2.0T 4-Dr Sedan $1,578
GMC Sierra SL Crew Cab 2WD $1,584
Nissan Rogue S AWD $1,580
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,606
GMC Sierra 2500HD SLT Crew Cab 4WD $1,654
Ford Edge Limited 2WD $1,660
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate information does not factor in your specific Cleveland, OH location which can modify prices greatly.

Looking at the data, cars like the Honda CR-V, Ford Escape, Honda Accord, Toyota RAV4, and Toyota Camry will definitely be a few of the most budget-friendly vehicles to insure for drivers in Cleveland.

The information below demonstrates how deductible levels can influence insurance costs when getting quotes for cheap insurance in Cleveland. The premium estimates are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

As shown above, a 40-year-old driver could lower their policy premium by $216 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $324 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 category, could drop their prices $718 every year just by choosing higher deductibles.

If you make the decision to raise deductibles, it will be important to have emergency funds available to allow you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.