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Find the Best Car Insurance Companies in Cleveland, OH

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. We researched the companies with the best car insurance in Cleveland to protect your vehicle and personal liability.

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EverQuote
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  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Cleveland

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Progressive
Overall satisfaction rating
  • InsuraMatch carrier
  • Bundle plans & save
  • Snapshot program
  • Available in Cleveland
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Liberty Mutual
Overall satisfaction rating
  • Available in Cleveland
  • 24/7 roadside assistance
  • Accident forgiveness
  • Free online quote
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The General
  • 50+ years of service
  • Available in Cleveland
  • Purchase policy online
  • Accepts drivers with a poor driving history
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Lake Shore Insurance Agency
  • Personalized quotes
  • Locally operated
  • Insures classic cars
  • Inures ATVs, RVs, boats
Location
735 Beta Dr.
Cleveland, OH 44143
(440) 446-1600
Advantage Auto Insurance Agency
  • Online quotes
  • Specialty in SR22 Bonds
  • Also located in Lyndhurst
  • Insures RVs and boats
Location
9695 Brookpark Rd.
Parma, OH 44129
(216) 485-7400
Nationwide Insurance Agent: Joseph Potts
  • M-F: 9am - 5:30pm
  • Sat: 10am - 1pm
  • Closed Sun
  • agency.nationwide.com
Location
12300 Lorain Ave.
Cleveland, OH 44111
(216) 251-7374
A & A Action
  • M-T: 9am - 5pm
  • W: 9am - 2pm
  • Th-F: 9am - 5pm
  • Sat: 10am - 2pm
Location
3421 Prospect Ave.
Cleveland, OH 44115
(216) 361-8988
Ohio Insurance Quote
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • ohioinsurancequote.net
Location
2565 Noble Rd.
Cleveland Heights, OH 44121
(216) 691-9227
Assured Insurance Agency
  • M-F: 10am - 4pm
  • Closed Sat and Sun
  • assuredinsurance.net
Location
4715 State Road
Cleveland, OH 44109
(216) 485-5775
Acceptance Auto Insurance
  • M-F: 7am - 9pm
  • Sat: 8am - 5pm
  • Closed Sun
  • acceptanceinsurance.com
Location
3360 Warren Rd.
Cleveland, OH 44111
(216) 889-9966
Brown Brown Insurance Services
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • brownbrowninsuranceservices.com
Location
3691 Lee Rd., Ste. 210
Shaker Heights, OH 44120
(216) 751-2713
Loya Insurance Group
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • youngamericaauto.com
Location
5308 Memphis Ave.
Cleveland, OH 44144
(216) 535-2634
Superior Auto Insurance
  • M-F: 10am - 6pm
  • Sat: 10am - 2pm
  • Closed Sun
  • superiorautoinsuranceoh.com
Location
13217 Superior Ave. E.
Cleveland, OH 44112
(216) 592-8367
Insurance Cleveland
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • insurancecleveland.com
Location
5602 State Rd.
Parma, OH 44134
(440) 866-0155
Allstate Insurance Agent: Teresa C. Paez
  • M-F: 9am - 6pm
  • Sat: 9am - 1pm
  • Closed Sun
  • agents.allstate.com/teresa-c-paez-cleveland-oh.html
Location
15105 Puritas Ave.
Cleveland, OH 44135
(216) 362-6526
Furlong Insurance
  • M-F: 9am - 5:30pm
  • Sat: 9am - 1pm
  • Closed Sun
  • furlonginsurance.com
Location
569 E. 185th St.
Euclid, OH 44119
(216) 486-4170
Insure Ohio
  • M-F: 9am - 9pm
  • Sat: 10am - 8pm
  • Closed Sun
  • insohio.com/home-insurance
Location
7803 Brookpark Rd.
Parma, OH 44129
(216) 712-7850

How to choose a car insurance company in Cleveland

cleveland Skyline

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:

Location Price National Average
Cleveland West (44111) $468 - 64%
Cleveland East (44110) $468 - 64%
Cleveland Downtown (44113) $467 - 65%
Lakewood (44107) $435 - 67%
Bedford (44146) $468 - 64%
Solon (44139) $450 - 66%
Broadview Heights (44147) $444 -67%
North Olmsted (44070) $420 - 68%

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.

Cleveland Car Insurance Companies Reviews

Progressive

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.

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Liberty Mutual

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.

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The General

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.

The General

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.

Lake Shore Insurance Agency

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.

Advantage Auto Insurance Agency