Updated July 14, 2026

Who is Jerry?

Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

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Cheap car insurance in Cleveland, OH

Cleveland drivers pay an average of $264 a month for full coverage and $98 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$35

Lowest state minimum quote Jerry has found in last 12 months

$73

Lowest full coverage quote Jerry has found in last 12 months

$480

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

If you’re looking at car insurance in Cleveland, you’re looking at a bit of a mixed bag—but overall, it’s a win for your wallet. According to Jerry’s quoting data, Cleveland drivers pay slightly more than the Ohio state average, but still sit comfortably below the national baseline. Lake Erie brings lake effect snow, ice storms and severe winter weather each year, feeding comprehensive and collision claim activity that shapes full coverage pricing across the metro. Elevated vehicle theft exposure and the convergence of I-90, I-71 and I-77 through downtown add further claim frequency that carriers price into Cleveland rates. Within the city itself, claim frequency varies significantly across ZIPs, with west side neighborhoods averaging well below the east side and central areas.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Cleveland drivers starting as low as $73 per month for full coverage (Mile Auto) and $63 per month for state minimum (Progressive) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Cleveland drivers

Here are some recent quotes Jerry has pulled for drivers in Cleveland. These aren’t sample rates — they’re actual quotes pulled for Cleveland drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Cleveland?

Right now, GEICO is the cheapest average carrier for Cleveland drivers at around $51 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

Cleveland’s market shows a split between coverage tiers in our data, with one national carrier leading state minimum averages and a different national carrier leading full coverage. The gap between coverage tiers isn’t linear, which makes quote-by-quote comparison especially valuable here. Four observations to weigh as you compare quotes:

• The cheapest option for Cleveland drivers with clean records is Mile Auto. It leads the full coverage averages in our Cleveland data and produced one of the lowest individual quotes Jerry has pulled in the city. Worth pulling a quote whenever you’re comparing options here, especially if you’re shopping the more competitive end of the market on full coverage.

• Your coverage tier completely flips the script in Cleveland. A carrier dominating state minimums might tank on full coverage rates, meaning non-linear price gaps. Bottom line: Quote the actual coverage you plan to buy, because the cheapest insurer at one tier rarely holds the crown at another.

• Don’t underestimate the power of the bundle. Combining coverage across insurance types can be a total game-changer for your bottom line. Cleveland drivers who pair their car insurance with a homeowners or renters policy can trigger steep multi-line discounts. In fact, these loyalty price cuts are often massive enough to turn a typically expensive carrier into your cheapest local option.

• What you drive matters more in Cleveland than the headline averages suggest. While nationwide vehicle thefts have dropped from their pandemic highs, Cleveland has still wrestled with elevated auto theft rates in recent years, and insurers have noticed. Because certain makes and models are heavily targeted, two drivers with identical records can see vastly different quotes based entirely on what’s in their garage. If you’re driving a high-risk model, expect that premium spike to hit hardest on your comprehensive coverage. Before you sign a vehicle lease or purchase agreement, always run the VIN through a quote generator first to avoid an insurance surprise.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

GEICO is the cheapest car insurance company in Cleveland for state minimum coverage at an average of $51 per month. 

Cheapest carriers in Cleveland by average, state minimum coverage

Insurer	Average monthly cost	Cheapest quote we’ve found
GEICO	$51	$36
GEICO	$51	$36
Mile Auto	$51	$37
Progressive	$63	$35
Lemonade	$73	$59

GEICO

Average monthly cost

$51

Cheapest quote we’ve found

$36

GEICO

Average monthly cost

$51

Cheapest quote we’ve found

$36

Mile Auto

Average monthly cost

$51

Cheapest quote we’ve found

$37

Progressive

Average monthly cost

$63

Cheapest quote we’ve found

$35

Lemonade

Average monthly cost

$73

Cheapest quote we’ve found

$59

Last Updated Aug. 2, 2026

Based on Jerry data from the past 12 months.

Mile Auto is the cheapest car insurance company in Cleveland for full coverage at an average of $112 per month. 

Cheapest carriers in Cleveland by average, full coverage

Insurer	Average monthly cost	Cheapest quote we’ve found
Mile Auto	$112	$73
Lemonade	$126	$85
Branch	$170	$110
National General	$173	$111
Progressive	$180	$92

Mile Auto

Average monthly cost

$112

Cheapest quote we’ve found

$73

Lemonade

Average monthly cost

$126

Cheapest quote we’ve found

$85

Branch

Average monthly cost

$170

Cheapest quote we’ve found

$110

National General

Average monthly cost

$173

Cheapest quote we’ve found

$111

Progressive

Average monthly cost

$180

Cheapest quote we’ve found

$92

Last Updated Aug. 2, 2026

Based on Jerry data from the past 12 months.

Key takeaway: GEICO is the cheapest option for most Cleveland drivers, but Mile Auto can be more competitive for drivers with less-than perfect records or who need an SR-22 filed. Comparison shopping is especially valuable in a split market where different carriers lead different coverage tiers. Jerry shows you multiple quotes at once so you can compare and save.

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Why is car insurance expensive in Cleveland?

Drivers in Cleveland with clean records average $193/mo, which is above the OH state average ($160/mo) but below the national average of $260/mo. Cleveland’s position above the state average reflects the metro’s larger population, denser traffic and higher claim frequency than the rural and small-metro parts of Ohio. Lake Erie winter weather, vehicle theft exposure and the concentration of freeway traffic through downtown all shape claim activity meaningfully more here than in the rest of the state.

Cleveland car insurance rates by ZIP code

Cleveland’s ZIP-level data shows a wide east-west divide across the metro, with the cheapest west side and outer suburban neighborhoods averaging well below the east side and central-city ZIPs. The gap between cheapest and most expensive Cleveland ZIPs is more than double, one of the wider spreads in our Midwestern coverage.

Cheapest ZIP codes

The cheapest Cleveland ZIPs cluster in the west side and outer suburban areas, including Fairview Park, Parma, West Park and Middleburg Heights, plus Mayfield Heights on the east side. Lower historical claim frequency and demographic factors in these neighborhoods help keep premiums well below the city average.

Most expensive ZIP codes

The most expensive Cleveland ZIPs concentrate in the east side and central-city areas, including Central, Fairfax, Hough, East Cleveland, downtown and the St. Clair-Superior neighborhood. Higher historical claim frequency, vehicle theft concentration and demographic factors specific to these neighborhoods push premiums well above the city baseline.

Cleveland car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Cleveland data shows for each, and what it actually means for your quote.

By age

In the eyes of auto insurers, young drivers are a massive financial liability. If you are navigating Cleveland roads between the ages of 18 and 20, you are slapped with a premium surcharge that is a steep increase above the city baseline for both basic and full coverage. Jerry’s Cleveland data shows a rate cliff around 25, resulting in a $23/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $56/mo drop for full coverage. Because of how sharply insurers adjust their risk models at this specific milestone, pulling fresh quotes the week you turn 25 is the absolute smartest financial move a young driver can make. Letting your old policy auto-renew past this birthday means leaving real cash on the table.

Average cost of insurance in Cleveland by age group, state minimum

Average cost of insurance in Cleveland by age group, full coverage

By driving record

Having at-fault accidents adds 14% on average for Cleveland Jerry users. Driving record affects Cleveland rates very differently across coverage tiers in our data, with several unusual patterns showing up on both. On state minimum coverage, DUI drivers actually less than clean-record drivers on average, while at-fault accidents add a percentage. The full coverage gradient shows single speeding tickets actually correlating with slightly lower premiums than a clean record, while at-fault accidents and DUIs both add a bit more.

The compressed and negative state minimum surcharge patterns almost certainly reflect how Cleveland’s non-standard carrier mix sorts violation drivers into a different segment of insurers than the standard market. Drivers needing an SR-22 filing face a narrower carrier pool, which is another reason to compare quotes broadly after a violation.

Average cost of state minimum coverage in Cleveland, by driving record

Average cost of full coverage in Cleveland, by driving record

By credit score

Ohio permits credit-based insurance scoring as one auto rating factor, and your credit score wields massive power over your car insurance bill in Cleveland. The most dramatic price gaps hit drivers at the absolute opposite ends of the credit spectrum, where people with excellent credit scores land the steepest discounts and those with poor credit face the heaviest penalties. However, if your score sits comfortably in the middle tiers between fair and good, the math gets much less predictable. Because individual insurance companies interpret middle-tier credit risk completely differently, one carrier might give you a decent rate while another treats you like a major hazard. This lack of consistency makes shopping around absolutely vital.

Average cost of state minimum coverage in Cleveland, by credit score

Average cost of full coverage in Cleveland, by credit score

How Jerry finds car insurance savings for Cleveland drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry helps Cleveland drivers find more affordable coverage by comparing up to 17 insurers in just minutes. Here’s a look at real quotes Jerry customers in Cleveland found when they shopped around.

Recent quotes

Learn more: Best car insurance in Ohio

Calculate your car insurance costs

If you’re looking to find the cheapest car insurance in Ohio, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Drivers in Cleveland can often save money just by comparing quotes from a few different insurers. Each insurer rates your profile in their own way, so one company might offer a lower quote than another for the exact same coverage. Here you can see how much quotes differ for the same level of protection:

Recent customer quotes

Jerry Agent Tip 2: Apply discounts to maximize your savings

Simple things like being a good driver, getting your quote early, or switching to paperless billing can bring your insurance costs down. Since it’s hard to know which discounts actually apply, Jerry checks for your eligible savings so you don’t miss out on extra savings.

Jerry Agent Tip 3: Review coverage to maximize savings and protection

Choosing the right mix of coverage helps drivers in Cleveland strike a balance between saving money and staying well protected.

While state minimum coverage keeps costs lower, adding more protection like full coverage and roadside assistance can give peace of mind if something unexpected happens. It’s all about finding what works best for your budget and your needs, so you feel confident on the road without paying for coverage you don’t need.

Here are the coverage options Cleveland drivers can choose from to find the right combination of price and protection:

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

Get personalized car insurance rates now.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

Ohio car insurance minimums: What’s required in Cleveland

Ohio requires liability coverage on every registered vehicle.  Here are the minimum requirements in Ohio:

• $25,000 in bodily injury liability per person.

• $50,000 in bodily injury liability per accident.

• $25,000 for property damage liability.

Driving without the required coverage in Ohio can result in fines, license suspension and vehicle impoundment. Ohio does not require uninsured or underinsured motorist coverage, though insurers must offer it. The Ohio Department of Insurance encourages drivers to consider carrying UM/UIM coverage given the state’s claim environment.

Many Cleveland drivers benefit from carrying liability limits above the state minimum and adding UM/UIM coverage given the metro’s claim frequency and Ohio’s modified comparative negligence framework.

Jerry can help you find affordable car insurance starting at just $35/mo.

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes