How Much Does Home Insurance Cost in Cleveland, OH?
Average annual homeowners insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$860 – $3.010
-14% vs national average
$860$1.935$3.010
LowNational avg: $2.250High
Cleveland vs State & National Average
| Category | Cleveland | Ohio Avg | National Avg |
|---|---|---|---|
| Average cost | $1.935 | $1.951 | $2.250 |
| Low estimate | $860 | $1.463 | $1.688 |
| High estimate | $3.010 | $2.536 | $2.925 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $1.000 | $1.200 | |
| Average | $2.025 | $2.475 | |
| High estimate | $2.800 | $3.500 |
Home Insurance in Nearby Cities
Frequently Asked Questions
How much does home insurance cost in Cleveland?
In Cleveland, OH, home insurance typically costs between $860 and $3.010. The average is $1.935, which is 14% below the national average.
Is Cleveland expensive for home insurance?
Cleveland has a cost-of-living index of 86 (100 = national average). Home Insurance costs are 14% lower than the national average of $2.250.
What factors affect home 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.