How Much Does Car Insurance Cost in Cleveland, OH?
Average annual car insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.032 – $2.580
-14% vs national average
$1.032$1.806$2.580
LowNational avg: $2.100High
Cleveland vs State & National Average
| Category | Cleveland | Ohio Avg | National Avg |
|---|---|---|---|
| Average cost | $1.806 | $1.821 | $2.100 |
| Low estimate | $1.032 | $1.366 | $1.575 |
| High estimate | $2.580 | $2.367 | $2.730 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Liability only | $344 | $774 | per year |
| Full coverage | $1.032 | $2.580 | per year |
| Good driver discount | $-172 | $-430 | savings |
| Young driver surcharge | $430 | $1.720 | additional |
Car Insurance in Nearby Cities
Frequently Asked Questions
How much does car insurance cost in Cleveland?
In Cleveland, OH, car insurance typically costs between $1.032 and $2.580. The average is $1.806, which is 14% below the national average.
Is Cleveland expensive for car insurance?
Cleveland has a cost-of-living index of 86 (100 = national average). Car Insurance costs are 14% lower than the national average of $2.100.
What factors affect car insurance costs in Cleveland?
Key factors include local labor costs, cost of materials, market competition, Ohio state regulations, and Cleveland's overall cost of living (index: 86/100). Prices can also vary by season and specific requirements.