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Last updated: September 5, 2025Best Cheap Car Insurance in Cleveland 2025
Nationwide offers the cheapest full coverage auto insurance in Cleveland ($1,207 annually), and Westfield offers the cheapest minimum coverage ($379 annually).
Best for Customer Satisfaction
Editor's Rating: 5/5
Average Cost in Cleveland
- Full Coverage Monthly: $104
- Minimum Coverage Monthly: $36
Best for Low Mileage
Editor's Rating: 4.8/5
Average Cost in Cleveland
- Full Coverage Monthly: $101
- Minimum Coverage Monthly: $49
Best for Digital Tools
Editor's Rating: 4.2/5
Average Cost in Cleveland
- Full Coverage Monthly: $125
- Minimum Coverage Monthly: $46
Table of Contents
- Summary List
- Compare the Best Cheap Auto Insurance in Cleveland
- Detailed List
- Cleveland Best Cheap Picks Satisfaction Summary
- Cheapest Full Coverage Car Insurance in Cleveland
- Cheapest Minimum Coverage Car Insurance in Cleveland
- How many car accidents happen in Cleveland?
- Minimum Auto Insurance Requirements in Ohio
- FAQs
- Methodology
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Key Takeaways
- Cleveland’s auto insurance rates are higher than the Ohio average but lower than the national average. Full coverage in Cleveland averages $1,662 annually, and minimum coverage averages $738.
- Erie, Nationwide and GEICO offer some of the lowest auto insurance rates in Cleveland. These companies also fare well in third-party customer satisfaction surveys.
- Auto insurance rates vary significantly based on your vehicle, driving history and the type of coverage you choose. Compare multiple quotes to find the best rates.
Our Top Picks for the Best Cheap Auto Insurance in Cleveland
- Best for Customer Satisfaction: Erie
- Best for Low Mileage: Nationwide
- Best for Digital Tools: GEICO
- Best for Discounts: Progressive
- Best for Local Agents: Cincinnati Insurance
Compare the Best Cheap Auto Insurance in Cleveland
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | North Central Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| Erie | $1,245 | $432 | Above average |
| Nationwide | $1,207 | $588 | Above average |
| GEICO | $1,504 | $553 | Above average |
| Progressive | $1,463 | $443 | Below average |
| Cincinnati Insurance | Data unavailable | Data unavailable | Above average |
| Cleveland | $1,662 | $738 | – |
Detailed List of the Best Cheap Providers in Cleveland
1. Best for Customer Satisfaction - Erie
What We Like Most:
- Ranked #1 for customer satisfaction in the North Central region
- Cheap rates
- Option to lock in your insurance rate
Why we chose it
On average Erie offers the second-cheapest full and minimum coverage auto insurance in Cleveland (after Nationwide and Westfield, respectively). Notably, the company also scored first in customer satisfaction in J.D. Power’s Auto Insurance Study for the North Central region. In addition to its excellent customer service, Erie is known for having auto insurance rates well below the national average. Erie also gives customers the option to lock in their insurance rates with its Rate Lock feature, which helps keep premiums stable over time.
Who it’s best for
Erie is great for drivers who are seeking consistently affordable rates and excellent customer service. The company keeps its rates low by catering to drivers with a clean driving record, but those with a DUI or an at-fault accident may also find lower rates with Erie. If you’re a safe driver, you can save even more with Erie’s YourTurn program, which rewards safe driving habits with gift cards or prepaid Visa cards.
Cleveland Pricing
| Erie | Full Coverage | Minimum Coverage |
|---|---|---|
| Monthly | $104 | $36 |
| Annual | $1,245 | $432 |
| Difference from Cleveland average | -25% | -41% |
FYI:
Erie is available in only 12 states (including Ohio) and Washington, D.C.
2. Best for Low Mileage - Nationwide
What We Like Most:
- Cheapest rates for full coverage
- Discounts for bundling
- Usage-based programs for low-mileage drivers
Why we chose it
Nationwide offers the cheapest full coverage in Cleveland, on average, and it scores well on J.D. Power satisfaction surveys. The company also offers a pay-per-mile option, Nationwide SmartMiles, which is a good option for infrequent drivers (e.g., retirees, remote workers, households with an extra car). Thanks to Nationwide’s low rates and quality service, we named it one of the best car insurance providers in Ohio.
Who it’s best for
Drivers looking for full coverage or those who drive infrequently will likely find the lowest rates with Nationwide. The company is also known for offering affordable rates for drivers with low credit scores.
GOOD TO KNOW:
Nationwide does not offer rideshare coverage, so rideshare drivers will need to look elsewhere for their coverage.
Cleveland Pricing
| Nationwide | Full Coverage | Minimum Coverage |
|---|---|---|
| Monthly | $101 | $49 |
| Annual | $1,207 | $588 |
| Difference from Cleveland average | -27% | -20% |
3. Best for Digital Tools - GEICO
What We Like Most:
- Competitive rates in Cleveland
- Easy-to-use online platforms
- Discounts for military and federal employees
Why we chose it
GEICO offers lower-than-average full and minimum coverage rates in Cleveland and fares above average in the North Central J.D. Power auto insurance survey. It also offers a wide variety of discounts to help reduce rates. It’s easy to get a quote and purchase a policy fully online.
Who it’s best for
GEICO is a great option for Cleveland drivers who are looking for low rates and strong online policy management tools. Like Nationwide, GEICO is known for having lower-than-average rates for drivers with low credit scores. The company also offers a federal employee discount, which makes it a great option for current and former federal employees.
Cleveland Pricing
| GEICO | Full Coverage | Minimum Coverage |
|---|---|---|
| Monthly | $125 | $46 |
| Annual | $1,504 | $553 |
| Difference from Cleveland average | -10% | -25% |
4. Best for Discounts - Progressive
What We Like Most:
- Wide variety of discounts
- Below-average rates for DUI
- Offers rideshare insurance
Why we chose it
Progressive has lower-than-average rates for full and minimum coverage in Cleveland. Although the company’s third-party customer satisfaction rating is slightly lower than the study average, this well-established insurer offers a wide variety of discounts. If you like to manage your auto insurance policy online, you can get a discount from Progressive for going paperless.
Who it’s best for
Progressive is worth looking into if you’re an Orlando driver with low credit, a DUI, or speeding ticket on your record. It’s also a strong pick if you’re seeking to add rideshare coverage or manage your policy online.
Cleveland Pricing
| Progressive | Full Coverage | Minimum Coverage |
|---|---|---|
| Monthly | $122 | $37 |
| Annual | $1,463 | $443 |
| Difference from Cleveland average | -12% | -40% |
>>RELATED: Explore our in-depth GEICO vs. Progressive review to see how the two providers compare.
5. Best for Local Agents - Cincinnati Insurance
What We Like Most:
- Headquartered in Ohio
- Independent Cleveland agents
- Offers gap coverage and new car replacement
Why we chose it
Pricing data is not available for Cincinnati Insurance, but it’s known for offering lower-than-average rates in Ohio and a high level of customer service. It scored highly in the North Central region on J.D. Power’s customer satisfaction study, and made the honor roll on the CRASH Network insurer report card. Cincinnati Insurance offers customizable auto insurance, including classic car coverage and gap coverage. The company sells policies through local agents, allowing you to easily compare rates from other providers as well.
Who it’s best for
Cincinnati Insurance is a top contender for Orlando drivers who value local, personalized customer service. Unlike Progressive and GEICO, it only sells policies through agents (rather than digitally). Its Antique and Collector Car Insurance also makes it a go-to option for vintage vehicle aficionados.
Cleveland Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – North Central1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| Erie | 684 | A- | 733 | 0.68 |
| Nationwide | 674 | C | 728 | 0.90 |
| GEICO | 651 | C- | 692 | 0.75 |
| Progressive | 634 | C | 672 | 0.10 |
| Cincinnati Insurance | 667 | B | Not rated | 0.29 |
| Average | 643 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Cleveland
Nationwide offers the cheapest full coverage auto insurance in Cleveland, with an average annual premium of $1,207 — 27 percent lower than the citywide average. Erie, Auto-Owners and Progressive offer the next-lowest full coverage rates, on average.
| Company | Annual full coverage | Monthly full coverage |
|---|---|---|
| Nationwide | $1,207 | $101 |
| Erie | $1,245 | $104 |
| Auto-Owners | $1,460 | $122 |
| Progressive | $1,463 | $122 |
| GEICO | $1,504 | $125 |
| Westfield | $1,793 | $149 |
| Grange | $2,039 | $170 |
| Farmers | $2,198 | $183 |
| State Farm | $2,367 | $197 |
| Allstate | $2,414 | $201 |
| Cleveland average | $1,662 | $139 |
| Ohio average | $1,401 | $117 |
| National average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Cleveland
Westfield offers the cheapest minimum coverage auto insurance in Cleveland. With an average annual rate of $379, or just $32 per month, Westfield’s rate is 49 percent lower than the citywide average. Erie ($432 annually), Progressive ($443 annually) and Auto-Owners ($444 annually) have the next-lowest average rates in the city.
| Company | Annual minimum average | Monthly minimum coverage |
|---|---|---|
| Westfield | $379 | $32 |
| Erie | $432 | $36 |
| Progressive | $443 | $37 |
| Auto-Owners | $444 | $37 |
| GEICO | $553 | $46 |
| Nationwide | $588 | $49 |
| Grange | $732 | $61 |
| Allstate | $974 | $81 |
| Farmers | $993 | $83 |
| State Farm | $1,236 | $103 |
| Cleveland average | $738 | $62 |
| Ohio average | $504 | $42 |
| National average | $635 | $53 |
How many car accidents happen in Cleveland?
On average, there are around 15,000 car accidents in Cleveland per year. Some of the most common causes of accidents in the city are speeding, distracted driving and reckless driving. Poor road conditions, including icy roads and potholes, also contribute.5 In 2023, there were a total of 26 motor vehicle accident deaths per 100,000 residents in Cleveland.6
DRIVE SAFELY:
I-71, I-77, I-90 and Lorain Avenue are statistically some of the most dangerous roads in Cleveland. These areas are known for frequent rear-end collisions, sudden slowdowns, and accidents involving pedestrians. Stay vigilant and practice extra caution when driving in these areas.
Minimum Auto Insurance Requirements in Ohio
Ohio is an at-fault state, meaning the at-fault driver is responsible for covering the cost of medical care and property damage. At a minimum, all Ohio drivers must carry the following legal liability limits:
- Bodily injury liability: $25,000 per person / $50,000 per accident
- Property damage liability: $25,000 per accident7
Ohio does not require personal injury protection, but it can be added as an optional coverage.
Frequently Asked Questions
Who has the lowest car insurance rates in Ohio?
USAA offers the cheapest full coverage in Ohio, with an average cost of $980 annually, or $82 monthly. It also has the lowest minimum coverage rate: $273 annually, or $23 monthly. USAA rates in Cleveland specifically are not available, so get a quote to see how much you’ll pay. USAA is limited to veterans, members of the military, and their families. For those without a military affiliation, GEICO, Erie and Travelers offer the lowest rates in Ohio.
Who has the best and cheapest car insurance?
The cheapest and best auto insurance depends on multiple factors, including your age, driving history, location and vehicle. We named State Farm, GEICO and Allstate among the best car insurance companies thanks to their competitive rates and customer service. In addition, USAA, Progressive and Travelers are known nationwide for having some of the lowest rates.
How do I get lower car insurance rates?
One of the best ways to get the lowest rates possible is to maintain a clean driving record, as an at-fault accident, speeding ticket or DUI on your record can significantly increase your rates. Other ways to lower the cost of car insurance include shopping around for discounts, bundling multiple policies, and improving your credit score. Always compare quotes from at least two providers to make sure you’re getting a good rate.
Does credit score affect car insurance?
In most states, a low credit score will increase the cost of your auto insurance. On average, a bad credit score increases your rates by 80 percent (almost as much as a DUI does). Note that California, Michigan, Hawaii and Massachusetts have laws that prevent insurers from considering credit score when setting your rates. Learn more about how credit scores affect auto insurance.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Cleveland, Ohio for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person / $300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person / $100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Staff Writer
Kate Romain combines her dedication to research with her love for writing and communications to deliver informative, comprehensive articles for those exploring insurance options. Her years of professional experience in writing and communications have well-equipped her to assist customers get the information they need to make smart insurance choices. Kate has also written for GigWolf, Boston Medical Center, and non-profit Writers Without Margins. She holds a BA in History and Politics and an MA in Creative Writing, both from the University of East Anglia.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmCleveland, OH Car Accident Statistics & Settlements. Sobo & Sobo Personal Injury Attorneys. (2025).
https://sobolaw.com/car-accident/cleveland-oh-car-accident-statistics-settlements/2023 Annual Violence & Injury Report. City of Cleveland. (2024, May 31).
https://www.clevelandhealth.org/assets/documents/health/health_statistics/Annual_Violence_Injury_Report_2023.pdfMandatory Insurance. Ohio Bureau of Motor Vehicles. (2025).
https://www.bmv.ohio.gov/dl-mandatory-insurance.aspx
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