Greatest Low-cost Automobile Insurance in Cleveland For 2021 – Bankrate.com
Getting the best auto insurance in Cleveland, Ohio doesn't have to cost you more than any other area of the state. The average annual cost of car insurance in Cleveland is $ 435 per year and $ 1,362 per year for full insurance. While premiums are above the Ohio average, the city's rates are much lower than the national average for fully comprehensive insurance of $ 1,674 per year.
With the help of Bankrate, you may be able to find coverage that is below average. We've reviewed several auto insurance options, including updated annual premiums collected by Quadrant Information Services and customer reviews from the best insurance companies in Cleveland, to give you the top carriers to consider. The goal is to help you find cheap car insurance rates in Cleveland that will not weigh on your budget.
The best cheap auto insurance in Cleveland
To find the best cheap auto insurance in Cleveland, we first assessed the average premiums from some of the best auto insurance companies in the city. We then delved deeper and found policy and discount options, as well as customer satisfaction scores from the J.D. Power Auto Insurance Study 2021 in the North Central region, which includes Ohio. The following four vendors stand out for offering one of the best coverage for the price.
|insurance company||J.D. Power-Score (north-center)||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|USAA *||895/1000||$ 298||$ 920|
|Erie||857 / 1,000||$ 319||$ 1,227|
|Geico||837 / 1,000||$ 341||$ 975|
|District farm||851/1000||$ 365||$ 1,079|
* The USAA is not eligible for the official ranking at J.D. due to admission restrictions. Power entitled.
Based on positive customer reviews and cheap auto insurance, USAA is among the most competitive in town as a provider of some of the cheapest auto insurance in Cleveland. The J.D. The airline's power score is the highest in almost every annual study, though it is not eligible for official rankings due to its military-grade membership requirement. Base and full coverage fares are the lowest of any airline, averaging $ 298 and $ 920 per year, respectively. USAA's only downside is its limited availability. Because coverage is only available to members with military affiliation and relatives, it can be a perfect option for military families.
Learn more: USAA insurance review
Erie Insurance's rates are also low, especially for minimum insurance. However, Erie's full coverage is higher than any of the other airlines on our list. You might not want to fire Erie simply because their full coverage rates are higher – you get lots of extras included in the price. The provider's fully comprehensive insurance includes auto glass repairs, pet insurance that covers veterinary bills if your pets are injured in an accident, and locksmith service up to $ 75 per incident if you're locked out of your vehicle.
Learn more: Erie Insurance Review
Geico may be the best USAA alternative when it comes to positive customer reviews and low rewards. The carrier makes their offer transparent and provides most of the information you need to make an informed decision in a clear and simple format. One of the reasons Geico stands out as an affordable option is because of the 16 discounts available. You can stack them to maximize savings. Some of the major discounts are multiple vehicle coverage with 25% off your bill and safety equipment such as airbags and ABS brakes with 23% off.
Learn more: Geico Insurance Review
State Farm is the largest airline in the country and one of the top auto insurers in Cleveland. If your lender or car leasing company requires you to purchase fully comprehensive insurance, State Farm's collision and fully comprehensive insurance can be a great option. Best of all, full insurance is cheap averaging $ 1,070 per year, which is less than $ 90 per month to protect your vehicle financially and against third party claims.
Learn more: Review of state farm insurance
Cheapest auto insurance in Cleveland
The average cost of auto insurance in the state of Ohio is $ 1,034 per year. Average prices in Cleveland are higher at $ 1,362 annually. You could beat the average by making smart decisions about your vehicle coverage. The right carrier can make all the difference in the cost of auto insurance, as you will see in the breakdown of the largest insurance companies in Cleveland by market share with the cheapest premiums:
|insurance company||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|USAA||$ 298||$ 920|
|Erie||$ 319||$ 1,227|
|Geico||$ 341||$ 975|
|District farm||$ 365||$ 1,079|
|Allstate||$ 407||$ 1,553|
USAA is the cheapest on average for both minimum and full coverage and has the highest customer satisfaction rating. Unfortunately, not everyone can access their products. Erie is the next cheapest option for basic insurance, while Geico could be a close alternative if you need full auto insurance.
While State Farm and Allstate are on the low end of the cheapest Cleveland auto insurance, they're good options worth considering. They are among the largest airlines in the country and offer a wide range of coverage options and add-ons for drivers who may want more extensive coverage.
Cleveland Insurance Requirements
The state of Ohio requires all drivers to have at least minimum liability insurance to legally drive. The minimum values are:
- Liability in the event of bodily harm / death: $ 25,000 per person in an accident
- Liability in the event of bodily harm / death: $ 50,000 total per accident
- Liability for property damage: $ 25,000 per accident
The minimum coverage from the options on our "cheap" list can only be $ 298 per year. However, the coverage limits may not be sufficient. If you lease or finance a car, your lender will likely ask for full coverage. Also, damage or injury in excess of the $ 25,000 / $ 50,000 limit should come out of your pocket. In view of the own costs, the purchase of fully comprehensive insurance can be more attractive for many drivers, despite the surcharge.
Car insurance discounts in Cleveland
There are ways to further reduce your premiums, especially if you have fully comprehensive insurance, which is usually more than double the cost of basic insurance. The following discounts can be good options for Cleveland residents:
- Bundling: Getting auto and home or renter insurance with the same insurance company can save you money across the board.
- Safe driver: With an undemanding history and a clean driving report, you can access the lowest tariffs.
- Vehicle equipment: Cars equipped with safety features such as multiple airbags and a safety system could be cheaper to insure.
- Driving safety training: Most airlines can provide you with a list of approved courses to take on defensive and safe driving. Passing one usually lowers your premiums.
The most significant discounts can be achieved through driver safety training and bundling your insurance. If you pass a recognized defensive driving course, most auto insurances will extend the discount over three years, which will save you money in the long run. When bundling, the discount is usually applied to all types of coverage with the carrier for greater impact.
frequently asked Questions
What is the Best Auto Insurance in Ohio?
There are over a dozen quality transportation companies operating in the state. Which car insurance is best depends on your personal requirements. While USAA may be the best for some families, its availability is limited. Other airlines like State Farm, Geico, and Erie are strong contenders for cheap, high-quality coverage. The best way to determine the best insurance company is to get quotes from several to compare prices and coverage options.
How Much Auto Insurance Do I Need in Cleveland?
The state of Ohio requires all drivers to have a minimum of $ 25,000 personal liability insurance per person, a minimum of $ 50,000 per accident liability insurance, and $ 25,000 or more for property damage. However, you can increase the minimum limits if you can afford to cover you in the event of a more serious accident.
How much does car insurance cost in Cleveland?
You will find that Cleveland auto insurance is cheaper than the national average of $ 1,674 per year. The average cost of auto insurance in Cleveland is $ 435 per year and $ 1,362 for full insurance.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all postcodes and airlines in all 50 states and Washington, DC Coverage Limits:
- $ 100,000 personal injury liability per person
- $ 300,000 liability per accident
- $ 50,000 property damage liability per accident
- $ 100,000 personal injury from an uninsured motorist per person
- $ 300,000 personal injury to an uninsured driver per accident
- $ 500 deductible in case of collision
- $ 500 deductible
To set the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes can be different.