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Cheap Car Insurance in Cleveland, Ohio

Illustration of van driving by Freeway Insurance headquarters

The Cleveland-Elyria, Ohio area is located within the greater Cleveland area and situated at the forks of the Black River. Some of the most popular attractions in the area include the 10-acre Cleveland Botanical Garden, the Charlet Recreation Area with its 700-foot chutes, and the Boston Mills-Brandywine Ski Resort with more than 88 acres of snowy fun.

To get to and from these attractions, we recommend that all Cleveland-Elyria drivers carry at least the minimum, state-required coverage for car insurance. Without the right Ohio car insurance, a single car accident can wreck your finances for years.

Quick Facts

  • Expect to pay an average monthly rate of $121 per month in Cleveland, Ohio and $92 per month in Elyria, Ohio for full coverage car insurance.
  • There were 48 fatal traffic crashes in Cleveland and one fatal traffic crash in Elyria in 2019.

How Much Does Car Insurance Cost in Cleveland-Elyria, Ohio?

The average cost of car insurance in Cleveland and Elyria is $121 and $92 per month, respectively, for full coverage. For the state-required minimum or liability insurance, Cleveland’s average is $43 per month, while Elyria is $37 per month. The state of Ohio’s average monthly rate for full coverage insurance falls a tick less at $86 and the average for state-required minimum or liability car insurance is $27 per month. The national average monthly rate is much higher at $161 for full coverage car insurance and $47 per month for the minimum liability.

Ohio is an at-fault state, so your state-required minimum or liability car insurance will go towards paying for the other driver’s injuries and damages, not yours, if you are at fault. If you are not at fault, the other driver’s insurance will pay for your injuries and damages – assuming they have insurance. Either way, you could be left with lots of financial debt after an accident.

Full coverage car insurance is another option. It includes the liability you need, plus the added protection of collision and comprehensive. These two types of insurance will help you recover financially from damage to your vehicle. You can add as much or as little as you want in added insurance protection, including for medical costs.

For comparison, here is a breakdown of the average monthly car insurance rate by major nearby cities:

City Full Coverage Insurance Liability Insurance Coverage
Cleveland-Elyria $106 $40
Cincinnati $116 $43
Dayton $114 $40
Toledo $119 $44
Columbus $105 $40

Low-Cost Cleveland Car Insurance Rates by Zip Code

Insurance rates vary significantly depending on your location, differing even from one zip code to another. For example, some zip codes have a higher theft, vandalism, and overall crime rate than others. These factors force the cost of insurance premiums upward for every resident living within that zip code.

Here is a breakdown of the monthly average car insurance rate by zip code in Cleveland-Elyria:

Zip Code Full Coverage Insurance Liability Insurance Coverage
44035 $92 $37
44102 $120 $42
44103 $123 $42
44104 $126 $43
44105 $119 $42
44106 $118 $42
44108 $115 $41
44109 $115 $41
44110 $122 $42
44111 $113 $41
44112 $117 $41
44113 $117 $41
44114 $119 $42
44115 $121 $43
44118 $111 $41
44119 $114 $41
44120 $118 $41
44121 $111 $41
44124 $101 $41
44125 $102 $39
44126 $96 $38
44127 $122 $42
44128 $119 $42
44129 $94 $38
44130 $95 $38
44134 $95 $38
44135 $111 $41
44143 $103 $41
44144 $100 $38

Cleveland-Elyria Affordable Car Insurance Rates by Age

In addition to your location, other factors, such as your age, affect the cost of your monthly insurance premium. For example, younger age groups can pay triple the rates of others due to a riskier collective driving record.

Expect to pay these average monthly rates for your age group in Cleveland-Elyria:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $491 $193
20s $287 $111
30s $121 $43
40s $116 $42
50s $110 $40
60s $106 $39
70s $116 $44

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Cleveland-Elyria, Ohio

How Many Fatal Accidents Happen in Cleveland-Elyria?

In 2019, there were 48 reported fatal accidents in Cleveland and one in Elyria. All of these vehicle accidents resulted in 53 fatalities with a total of 111 people involved, including 13 pedestrians.

How Are the Conditions of the Road Infrastructure and Bridges in Cleveland, Ohio and Elyria, Ohio?

The Cleveland-Elyria area is constantly undergoing improvements to its road infrastructure and bridges because Ohio roadways and bridges transport the third-highest freight volume in the country.

According to the American Society of Civil Engineers, Ohio earned a C+ grade across more than ten infrastructure categories. The recently passed $1.2 trillion infrastructure bill promises to fund many overdue projects to boost Ohio roadways, with roughly $480 million earmarked for bridges and another $9.2 billion for its highways.

Get a Quote for Car Insurance in Ohio Today!

Minimum Car Insurance Requirements in Cleveland-Elyria, Ohio

All Ohio drivers are required to carry state-minimum or liability mandated car insurance.

In Ohio, the minimum liability insurance coverage required is as follows:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 in property damage

We highly recommend all Ohio drivers carry lower deductibles and higher coverage limits on all policies. Even a single accident can have a total cost of damages that exceed the above minimum limits resulting in out-of-pocket costs that could derail your finances for years.

What Are the Penalties for Driving Without Insurance in Cleveland-Elyria?

Ohio laws mandate that all drivers carry an active car insurance policy.

Penalties for driving without car insurance in Ohio are steep – and expensive. For example, if a driver is caught without the minimum car insurance, first-time offenders can expect to pay $160 in fees, including reinstatement, compliant, and registrar service fees, along with a suspended registration until an SR-22 is filed for three years.

Subsequent offenses typically see a one to two year registration suspension, file SR-22 certificate for five years and pay reinstatement fees.

Factors Allowed in Cleveland-Elyria Car Insurance Rates

When deciding on insurance premiums, insurance carriers take into consideration dozens of factors. Some of the factors insurance carriers use to determine your costs include:

  • Age
  • Gender
  • Driving record
  • Marital Status
  • Credit score

Ohio drivers can save on car insurance using discounts despite your age, gender, and other qualifiers outside of your control.

Discounts for Car Insurance in Cleveland-Elyria

In Ohio, drivers can qualify for a variety of discounts. Even a single discount is good enough to shave 10% to 15% off your monthly bill, making your household expenses more manageable.

Some insurance discounts that may be available through your carrier include:

  • Blue icon of a blue car

    Good driver

  • Pink icon of a thief

    Anti-theft systems

  • Orange icon of a document with a checklist

    Bundled policy

  • Hands holding a box with a check mark

    Safety features

  • Illustration of a smiling person

    Customer loyalty

  • Graphic of a man driving a car

    Defensive driving course completion

If you want to lower your insurance, it’s a good idea to call your insurance carrier every six months to see if you qualify for new deals, especially if your circumstances change.

Get an Online Quote for Low-Cost Car Insurance in Cleveland, Ohio Today!

Downtown Cleveland city skyline

We hope this guide on Cleveland-Elyria, Ohio car insurance has motivated you to find the best policy for you and your family.

Fortunately, Freeway Insurance is ready to help you with the best and cheapest car insurance policies in Cleveland-Elyria. So get started with a quote online, visit us at a Cleveland-Elyria office near you, or call us today at (800) 777-5620 for a quote.