When shopping for car insurance, compare premiums while considering variables like deductibles, coverage limits and optional coverage. Liability insurance is mandated for all Ohio drivers to cover injuries and property damage to others. Our partners at ConsumerAffairs have researched the companies with the best car insurance in Cleveland to protect your vehicle and personal liability.
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How to choose a car insurance company in Cleveland
Good news, Ohio is one of the least expensive states for auto insurance in the U.S. The national average premium is $1,318, about 65 percent higher than in the Cleveland area. Rates within the city limit do not fluctuate much and tend to be slightly lower in the suburbs.
Annual car insurance rates in Cleveland:
Cleveland West (44111)
Cleveland East (44110)
Cleveland Downtown (44113)
Broadview Heights (44147)
North Olmsted (44070)
Note: Rates based on a 40-year-old male, state minimum liability coverage only.
In 2013, Ohio's minimum liability coverage requirements were raised for the first time in 44 years. Ohio drivers must now maintain $25,000 of coverage for bodily injury per person and a total of $50,000 per accident. A minimum of $25,000 of coverage for property damage is also required.
Many people choose more liability coverage than the state required minimums. Premiums increase with higher limits and additional coverage. Here are examples of add-on policy coverages:
Collision coverage pays for repairs to your vehicle from an accident and is required by lenders when financing.
Comprehensive coverage is added for unusual events, such as striking a deer, theft or vandalism. The value of your vehicle will affect this cost.
Uninsured motorist coverage is for damage caused by another driver without insurance coverage, or if they were to flee the scene—a “hit-and-run.”
Underinsured motorist coverage is for when damages exceed the at-fault driver's insurance coverage limits.
About 13 percent of U.S. motorists drive without the mandatory auto insurance coverage. Ohio is average with an estimated 12 percent. Natural disasters aren't much of a concern in Ohio with no hurricanes, limited flooding and infrequent hail storms. In 2017, the state had only two minor hail events reported.
Your history of driving, infractions and insurance claims affect rates. Insurers also consider age, credit score and marital status. Young and old drivers are charged more. Data shows married drivers are less likely to be in accidents. And those who use their vehicle for work, such as food delivery, are likely to pay more.
Overall, Ohio's low car insurance rates are largely based on competition. Only Illinois and Texas have more insurers.
*InsuraMatch companies are in good standing with regulatory authorities, have been vetted and approved by InsuraMatch and are represented by InsuraMatch or its affiliates.
Progressive is a leading national provider of car insurance that is headquartered in Mayfield, a Cleveland suburb. They have several local offices in the area and are among the region’s largest employers. Online customer reviews show that those with claims are generally satisfied with the process.
Liberty Mutual is an international company that offers dozens of types of insurance in addition to automobile. They have local offices in the eastern, western and southern parts of Cleveland. Their agent in the Westlake office has excellent reviews from customers who enjoy the personal service received.
The General advertises heavily in the Cleveland market. Customers may shop for a policy online or contact one of their many insurance agents in the area. Local customers say they are satisfied by The General’s low rates.
Lake Shore Insurance Agency
Lake Shore Insurance Agency is an independent, local agency in Cleveland that also offers property, business, life and health insurance. For car insurance, they seem to promote policies with Progressive most heavily. Reviews from customers say that they offer exceptional customer service and support.
Advantage Auto Insurance Agency
Advantage Auto Insurance Agency is a local agency with a western office in Parma and an eastern office in Lyndhurst. The insurers they represent are more regional than the large nationally-recognized names. Customer reviews indicate that agency representatives are friendly and personable.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.