Find the Best Car Insurance Companies in Cleveland, OH

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:

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.