Cleveland Car Insurance Cost – Rates, Rankings, Comparisons

• Average Cleveland car insurance cost is $2,088 per year, or about $174 per month.
• Compact crossovers and SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Toyota Corolla Cross, and Hyundai Venue get the nod for cheap car insurance in Cleveland.
• Models with the most affordable auto insurance in Cleveland for their automotive segment include the Jaguar E-Pace at $1,952 per year, Nissan Titan at $1,950 per year, Acura Integra at $1,854 per year, and Chevrolet Tahoe at $1,960 per year.
• Auto insurance quotes in Cleveland can range significantly from as little as $28 per month for a liability-only policy to well over $681 per month for drivers requiring a high-risk policy.

How much is car insurance in Cleveland?

Average auto insurance cost in Cleveland is $2,088 per year, or approximately $174 per month for full coverage auto insurance. It costs 6.2% less to insure the average vehicle in Cleveland, OH, than the U.S. average rate of $2,221.

In the state of Ohio, average auto insurance cost is $1,948 per year, so the cost in Cleveland averages $140 more per year. The cost of auto insurance in Cleveland compared to other Ohio cities is around $62 per year more expensive than in Columbus, $102 per year more than in Akron, and $46 per year more than in Cincinnati.

The chart below shows average auto insurance rates in Cleveland for 2024 model year vehicles not only by driver age, but also by policy deductible amounts.

Average rates in the chart above range from $1,464 per year for a 60-year-old driver with $1,000 deductibles for comprehensive and collision coverage to $4,886 per year for a 20-year-old driver with $250 deductibles. Throughout our site, the rate used for comparing different vehicles or locations is a 40-year-old driver with $500 comprehensive and collision coverage deductibles, which is an average cost of $2,088 per year.

As a monthly amount, the average cost of car insurance in Cleveland ranges from $122 to $407 for the same annual rate data shown in the chart above.

Cleveland car insurance rates can have a very wide price range and can also be very different depending on the company. Since there can be such a large difference in rates, it stresses the need to get multiple auto insurance quotes when shopping around for cheaper auto insurance.

Driver age has the biggest impact on the price of auto insurance, so the list below illustrates this point by breaking out average car insurance rates in Cleveland for different driver ages.

Average car insurance rates in Cleveland, OH, for drivers age 16 to 60

• 16-year-old rated driver – $7,436 per year or $620 per month
• 17-year-old rated driver – $7,204 per year or $600 per month
• 18-year-old rated driver – $6,456 per year or $538 per month
• 19-year-old rated driver – $5,879 per year or $490 per month
• 20-year-old rated driver – $4,202 per year or $350 per month
• 30-year-old rated driver – $2,228 per year or $186 per month
• 40-year-old rated driver – $2,088 per year or $174 per month
• 50-year-old rated driver – $1,848 per year or $154 per month
• 60-year-old rated driver – $1,732 per year or $144 per month

Popular models in Cleveland tend to be compact or midsize cars like the Hyundai Elantra and Nissan Altima and compact and midsize SUVs like the Nissan Rogue, Chevy Equinox, and Jeep Grand Cherokee.

Some additional popular vehicles from other vehicle segments include luxury models like the Acura ILX, Lexus RX 350, and Cadillac XT5 and sports cars like the Ford Mustang, Chevy Corvette, and Porsche 911.

We will explore rates for lots more vehicles a little farther down this article, but before we get into that, let’s make a quick review of some of the ideas that were presented so far.

• Cleveland average car insurance cost is less than the U.S. average – $2,088 (Cleveland average) versus $2,221 (U.S. average)
• Lower deductible insurance is more expensive than high deductible – A 20-year-old driver pays an average of $1,122 more per year for a policy with $250 deductibles versus $1,000 deductibles.
• Car insurance cost decreases as you age – Insurance rates for a 40-year-old driver in Cleveland are $2,114 per year cheaper than for a 20-year-old driver.
• Monthly car insurance cost ranges from $144 to $620 – That’s the average car insurance cost range for insured drivers age 16 to 60 in Cleveland.
• Insurance for teenagers can be very expensive – Rates can range from $4,974 to $7,436 per year to insure a teenage driver in Cleveland, OH.
• Cleveland car insurance prices are more expensive than the Ohio state average – $2,088 (Cleveland average) compared to $1,948 (Ohio average)

Which autos have the cheapest car insurance in Cleveland?

The vehicles with the best auto insurance prices in Cleveland tend to be crossovers and small SUVs like the Subaru Crosstrek, Kia Soul, Buick Envision, and Toyota Corolla Cross.

Average car insurance prices for those small SUVs cost $1,696 or less per year, or $141 per month, for a policy with full coverage.

Some other models that rank towards the top in our car insurance price comparison are the Acura RDX, Honda CR-V, Buick Encore, and Ford Bronco Sport. Rates are slightly higher for those models than the small SUVs at the top of the rankings, but they still have an average cost of $152 or less per month.

The next table ranks the 30 models with the cheapest car insurance in Cleveland, ordered by cost.

A table of 30 vehicle rankings is not really the best way to show the complete picture of Cleveland car insurance cost. A more efficient way to look at rates for many more vehicles is to break them out by the segment they belong to.

The section below goes into more detail about the different automotive segments and the average cost of car insurance in Cleveland. The average rates shown will provide a decent idea of the types of vehicles that have the least expensive average auto insurance rates. After the chart, the next six sections will break out the vehicles with the cheapest insurance rates for the primary segments.

Cleveland auto insurance rates by vehicle segment

If you’re shopping for a new vehicle, it’s in your best interest to know which types of vehicles are more affordable to insure. To illustrate this, some common questions are if compact SUVs are cheaper to insure than midsize SUVs or if midsize pickups have cheaper auto insurance than full-size pickups.

The chart below shows average car insurance cost by vehicle segment in Cleveland. From an overal segment perspective, compact SUVs, vans, and midsize pickups tend to have the most affordable rates, while sports cars and performance luxury models have the most expensive overall car insurance rates.

Rates by different vehicle segments are sufficient to make an overall comparison, but cost varies quite a lot within each vehicle segment listed above.

For example, in the midsize SUV segment, average Cleveland auto insurance rates range from the Honda Passport costing $1,664 per year for a full coverage policy up to the Rivian R1S at $2,568 per year. Also, in the midsize truck segment, the average cost of insurance ranges from the Chevrolet Colorado at $1,838 per year to the Rivian R1T costing $2,604 per year.

In the following sections, we will remove much of this variability by looking at car insurance rates on a model level rather than a segment level.

Cheapest car insurance rates in Cleveland, Ohio

Ranking at the top for the lowest-cost Cleveland auto insurance rates in the sedan or hatchback segment are the Subaru Impreza, Nissan Leaf, Honda Civic, Toyota GR Corolla, and Nissan Sentra. Auto insurance rates for these models average $1,920 or less per year.

Not the cheapest in the list, but still ranking well, are cars like the Honda Accord, Chevrolet Malibu, Toyota Prius, and Kia K5, with average cost of $2,034 per year or less.

Some additional cars on the list include the Hyundai Ioniq 6, Toyota Crown, Mitsubishi Mirage G4, and Hyundai Sonata, which average between $2,034 and $2,158 per year for full-coverage insurance.

Auto insurance rates for this segment in Cleveland starts at around $151 per month, depending on the company and your location.

The most affordable non-luxury compact car to insure in Cleveland is the Toyota GR Corolla at $1,814 per year. For midsize cars, the Kia K5 has the cheapest rates at $2,012 per year. And for full-size non-luxury cars, the Chrysler 300 is cheapest to insure at $1,988 per year.

The next table ranks the twenty cars with the cheapest car insurance rates in Cleveland.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Looking for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Ohio.

Cheapest SUVs to insure in Cleveland, OH

When comparing 2024 models, the top five cheapest non-luxury SUVs to insure in Cleveland are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Average insurance rates for for these vehicles range from $1,542 to $1,664 per year.

Also ranking in the top 10 are SUVs like the Toyota Corolla Cross, Buick Envision, Ford Bronco Sport, and Mazda CX-5, with average annual insurance rates of $1,708 per year or less.

In the bottom half of the top 20, SUVs like the Volkswagen Tiguan, Honda HR-V, Subaru Outback, Honda CR-V, and Buick Envista cost between $1,708 and $1,818 per year for auto insurance.

On a monthly basis, auto insurance rates in Cleveland on this segment can cost as low as $129 per month, depending on your location and insurance company.

The comparison table below ranks the SUVs with the most affordable auto insurance rates in Cleveland.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Is your SUV not in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Ohio.

Cheapest pickups to insure in Cleveland, Ohio

For 2024 models, the five cheapest pickup trucks to insure in Cleveland are the Chevrolet Colorado, Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. Insurance rates for these five models range from $1,838 to $2,026 per year.

Not the cheapest pickups to insure, but still very reasonable, are trucks like the Toyota Tacoma, Honda Ridgeline, GMC Sierra 2500 HD, and Hyundai Santa Cruz, with an average car insurance cost of $2,148 per year or less.

Full-coverage insurance in this segment starts at an average of $153 per month, depending on your location and insurance company. The table below ranks the twenty pickups with the lowest-cost average car insurance rates in Cleveland, starting with the Chevrolet Colorado at $153 per month and ending with the Ram Truck at $201 per month.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see your pickup in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Cleveland car insurance quotes from top auto insurance companies in Ohio.

Cheapest sports cars to insure in Cleveland

The four lowest-cost sports cars to insure in Cleveland are the Mazda MX-5 Miata at $1,930 per year, Toyota GR86 at $2,198 per year, Ford Mustang at $2,296 per year, and BMW Z4 at $2,308 per year.

Also ranking well are cars like the Nissan Z, Subaru BRZ, BMW M2, and Lexus RC F, with average insurance cost of $2,500 per year or less.

As a cost per month, car insurance rates on this segment in Cleveland for a middle-age safe driver starts at an average of $161 per month, depending on the company and where you live.

The comparison table below ranks the sports cars with the cheapest insurance rates in Cleveland.

Don’t see your sports car in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Ohio.

Cheapest luxury cars to insure in Cleveland, Ohio

Ranking in the top five for the lowest-cost Cleveland auto insurance rates in the luxury car segment are the Mercedes-Benz CLA250, BMW 330i, Lexus IS 300, Acura Integra, and Acura TLX. Car insurance quotes for these vehicles average $2,158 or less per year, or around $180 per month.

Additional luxury cars that have cheaper rates include the Lexus ES 350, Lexus RC 300, Mercedes-Benz AMG CLA35, and Cadillac CT4, with an average cost to insure of $2,194 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the BMW 330e, Cadillac CT5, Lexus ES 250, Audi S3, Lexus IS 350, and Lexus ES 300h cost between $2,194 and $2,340 per year for auto insurance in Cleveland.

Full-coverage auto insurance in Cleveland for this segment starts at around $155 per month, depending on the company and your location.

The most budget-friendly small luxury car to insure in Cleveland is the Acura Integra at $1,854 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,146 per year. And for full-size models, the Audi A5 is most affordable to insure at $2,478 per year.

The comparison table below ranks the twenty cars with the cheapest insurance rates in Cleveland, starting with the Acura Integra at $1,854 per year ($155 per month) and ending with the Audi S3 at $2,340 per year ($195 per month).

See our guide for luxury car insurance to compare rates for all makes and models.

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Ohio.

Cheapest luxury SUV insurance rates in Cleveland, Ohio

The four highest ranking luxury SUVs with the lowest-cost average auto insurance rates in Cleveland are the Acura RDX at $1,746 per year, Lexus NX 250 at $1,848 per year, Cadillac XT4 at $1,884 per year, and Jaguar E-Pace at $1,952 per year.

Additional luxury SUVs that rank well include the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus NX 450h, and Lincoln Corsair, with average cost of $2,012 per year or less.

Ranked between 10th and 20th place, SUVs like the Mercedes-Benz GLA250, Infiniti QX50, Cadillac XT6, Lexus NX 350, Acura MDX, and Mercedes-Benz AMG GLB35 average between $2,012 and $2,096 per year for insurance in Cleveland.

Full-coverage insurance in Cleveland for this segment for an average middle-age driver starts at around $146 per month, depending on your location. The comparison table below ranks the luxury SUVs with the lowest-cost average car insurance rates in Cleveland.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see your luxury SUV in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Cleveland car insurance quotes from top-rated auto insurance companies in Ohio.

What to expect when shopping for Cleveland car insurance

To reinforce the extent to which auto insurance premiums can change from one person to the next (and also emphasize the importance of accurate rate quotes), the examples below present detailed car insurance rates for four popular models in Cleveland: the Chevrolet Silverado, Honda Civic, Honda CR-V, and Toyota Highlander.

The example for each vehicle uses a variety of risk profiles to demonstrate the difference in average cost based on minor driver risk profile changes.

Chevrolet Silverado insurance rates

In Cleveland, Chevrolet Silverado insurance averages $2,310 per year, or around $193 per month, and ranges from $1,912 to $5,362 per year.

The Chevrolet Silverado is classified as a full-size truck, and additional similar models include the Ram Truck, Nissan Titan, Toyota Tundra, and GMC Sierra.

Honda Civic insurance rates

Auto insurance for a Honda Civic in Cleveland averages $1,848 per year, or around $154 per month, and has a range of $1,538 to $4,194 annually.

The Honda Civic is part of the compact car segment, and other popular models in the same segment include the Toyota Corolla, Hyundai Elantra, and Volkswagen Jetta.

Honda CR-V insurance rates

In Cleveland, Honda CR-V insurance costs an average of $1,780 per year ($148 per month) and ranges from $1,480 to $4,088 per year.

The Honda CR-V is considered a compact SUV, and other top-selling models from the same segment include the Chevrolet Equinox, Subaru Forester, Nissan Rogue, and Ford Escape.

Toyota Highlander insurance rates

Insurance for a Toyota Highlander in Cleveland averages $1,902 per year ($159 per month) and ranges from $1,578 to $4,344 annually.

The Toyota Highlander is part of the midsize SUV segment, and other similar models include the Ford Edge, Ford Explorer, and Honda Pilot.

How to find cheaper Cleveland auto insurance

Shrewd drivers are always searching for ways to pay less for car insurance So look through the savings tips in this next list and maybe you can save a few bucks on your next policy.

• Consider raising your deductibles. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Save money with better credit. Having a high credit score of 800+ may save up to $328 per year over a credit score ranging from 670-739. Conversely, a not-so-perfect credit rating could cost up to $380 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Stay claim free. Insurance companies give a discount for not having any claims. Insurance should only be used in the case of large financial hits, not minor claims that should be paid out-of-pocket.
• Violations and tickets cost more than a fine. In order to get affordable auto insurance in Cleveland, it pays to drive safe. Just a few driving offenses could result in raising the price of a policy as much as $554 per year. Serious misdemeanor violations like DUI or reckless driving could raise rates by an additional $1,940 or more.
• Buy vehicles that are cheaper to insure. The performance of the vehicle you drive is a big factor in the cost of car insurance in Cleveland. As an example, a Honda CR-V costs $1,364 less per year to insure in Cleveland than a Dodge Challenger. Choose cheaper models and save money.
• Shop around for better prices. Setting aside a few minutes before every renewal to get some free car insurance quotes could save you more than you think. Rates change quite often and you do not even have to wait until your policy renewal date to switch.
• Remove unneeded coverage on older cars. Deleting comprehensive and collision coverage from older vehicles that are not worth a lot can cut the cost of auto insurance considerably.