Cleveland drivers pay an average of $1,530/year — $241 less than the national average. With 5,609 crashes per year and a 3.3 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $486/year.
(888) 217-6781Estimated full coverage auto insurance rates for Cleveland, OH from top carriers. Rates are adjusted for Cleveland's 5,609 annual crashes, 3.3 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $579 | $96/mo |
| Erie Insurance | $612 | $102/mo |
| Progressive | $652 | $109/mo |
| State Farm | $718 | $120/mo |
| Allstate | $871 | $145/mo |
Estimates based on 2026 rate filings for ZIP 44113. GEICO is cheapest at ~$96/mo. Actual rates vary by driver profile and exact Cleveland location.
These Cleveland-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Cleveland, OH. Takes under 2 minutes.
(888) 217-6781As a major city in Ohio with 372,624 residents, Cleveland combines urban traffic density with suburban sprawl. This mix creates varied driving conditions — from congested downtown arteries to high-speed suburban connectors — that influence insurance pricing. Vehicle theft and accident rates in Cleveland track above the state average due to the metro area's size, but savvy drivers find competitive rates by comparing multiple carriers.
For official Ohio insurance regulations, visit the Ohio Department of Insurance. For driver licensing, see the Ohio BMV.
Your specific ZIP code within Cleveland can swing your premium by hundreds of dollars. Here's how rates compare across Cleveland neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 44116 | Cleveland South Side | $1,444/yr | $120/mo |
| 44117 | Cleveland North Side | $1,467/yr | $122/mo |
| 44121 | Cleveland West Side | $1,509/yr | $126/mo |
| 44123 | Cleveland East Side | $1,584/yr | $132/mo |
| 44113 | Cleveland Downtown/Central | $1,651/yr | $138/mo |
The cheapest ZIP is 44116 (Cleveland South Side) at $1,444/yr. The most expensive is 44113 (Cleveland Downtown/Central) at $1,651/yr — a $207/year difference for the same driver.
Your Cleveland ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Cleveland. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,213/yr | $268/mo | +110% vs avg |
| Young Adult (20-25) | $2,142/yr | $179/mo | +40% vs avg |
| Adult (26-35) | $1,530/yr | $128/mo | 0% vs avg |
| Mid-Career (36-50) | $1,346/yr | $112/mo | -12% vs avg |
| Senior (51-65) | $1,270/yr | $106/mo | -17% vs avg |
| 65+ | $1,362/yr | $114/mo | -11% vs avg |
Teens in Cleveland pay an average of $3,213/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,270/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Ohio cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Cleveland drivers can save up to $486/year. ZIP 44116 (Cleveland South Side) has the lowest rates starting at $1,444/yr.
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