Cleveland Car Insurance

Everything You Need to Know About Car Insurance in Cleveland, OH

Find the right car insurance policy for you.

Cleveland, OH is one of the most popular tourist destinations in the state, thanks to the Rock and Roll Hall of Fame, the beautiful views along Lake Erie and world-renowned health care at the Cleveland Clinic. Whether you’re on your way to the NFL stadium to cheer on the Cleveland Browns or you’re fighting rush hour traffic to get home from work at the Cleveland Clinic, you can expect jam-packed streets in this city around the clock. Make sure you’re prepared with comprehensive Cleveland car insurance. Our Independent Insurance Agents specialize in matching Cleveland drivers with affordable auto insurance options that protect against this busy city’s common roadway threats.

  • National average cost per year: $1,311
  • Ohio average cost per year: $843
  • #50 most expensive auto premium in the U.S.

Cleveland drivers have to put up with a lot of traffic and frequent stops, but they also enjoy some of the lowest car insurance rates in the country. Our agents can help you save even more money on your annual premium by providing rate quotes on multiple policies. Take time to compare quotes before you choose a plan and you'll enjoy incredible savings on your auto insurance each year. 

Ohio Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): not required
  • Minimum liability limits: 25/50/25

All drivers in Ohio are legally required to have car insurance. Minimum coverage limits are $25,000 for individual injuries, $50,000 total for all injuries in an accident and $25,000 for any resulting property damage. It’s always smart to purchase as much coverage as your budget will allow just in case of a major accident. If the cost of damage repair exceeds your coverage limit, you have to pay the difference out of pocket.

Number of Uninsured Motorists in Ohio

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Ohio drivers: 13.5%

Uninsured drivers cause ongoing problems across Ohio. It’s especially concerning in Cleveland where the winter months bring heavy snow and ice, which leads to frequent car accidents. If you are hit by a driver who has no insurance, you have to pay for your own car repairs, an unexpected expense that could leave you without a working vehicle for weeks or even months. You can offset this risk by choosing a Cleveland auto insurance plan that includes full protection against uninsured motorists, giving you peace of mind that you’re always covered in an accident even if the other driver isn’t.

Number of Auto Thefts in Ohio

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Ohio: 2.00

While reports of auto theft are fairly low across most of Ohio, Cleveland is the exception. This city consistently struggles with crime, and car thefts are increasingly common. Take steps to protect your vehicle by adding a security alarm and keeping the doors locked at all times. Most importantly, choose auto insurance that includes protection against theft.

Find a Great Cleveland Car Insurance Policy

If you’re searching for reliable auto insurance in Cleveland, start with a call to an experienced Independent Insurance Agent. Our friendly agents can answer your questions, explain your coverage options and help you find the best rates on car insurance in Cleveland. 

Contact an agent to get a free customized quote on Cleveland auto insurance today.

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