Best Car Insurance Companies in Cleveland, OH

Selecting the right car insurance provider depends on your individual requirements and driving history. Cincinnati Insurance is Cleveland's best overall and best cheap auto insurance provider. It is also an excellent option for customer satisfaction, young adults and senior drivers. Look into Auto-Owners Insurance if you're a teen driver, Erie if you have driving violations or Travelers if you have a new vehicle.

MoneyGeek has also compiled a list of the cheapest auto insurance companies in Cleveland for those seeking low-cost options.

The best auto insurance companies in Cleveland are:

• Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($804 per year)
• Erie: MoneyGeek score of 82 out of 100 ($624 per year)

Cincinnati Insurance is our top pick among the 13 ranked providers because of its highest customer satisfaction ratings and excellent scores for affordability. This means that policyholders receive quality service at a great price.

USAA is among the top providers in Cleveland for those with military backgrounds and their families, with an overall MoneyGeek score of 85 out of 100.

Erie ranks as the best car insurance company in Ohio, offering an annual rate of $533, demonstrating that Cleveland's average premiums are comparatively higher than those of other cities in the state.

Cincinnati Insurance emerged as our top pick among 13 insurance providers in Cleveland, OH, due to its excellent customer service ratings and relatively affordable rates. With an annual premium of $804, it ranked 10th in affordability.

While Cincinnati Insurance offers competitive rates on average, it is still $276 more expensive than Nationwide, the cheapest option. American Family received the highest coverage options rating but fell short in terms of customer satisfaction.

The rates mentioned are for full coverage policies. MoneyGeek only assigned scores to companies with sufficient data for each scoring component, including affordability, customer service and financial stability.

Setting cost aside, the following companies stand out as the best car insurance providers in Cleveland:

• Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($804 per year)
• Erie: MoneyGeek score of 70 out of 100 ($624 per year)

Cincinnati Insurance earned the highest customer satisfaction rating and the third-highest claims management score. However, it may be a relatively expensive option compared to other providers.

During stressful situations like a vehicle breakdown, having reliable customer service from your insurance provider is crucial. Providers that efficiently process claims and promptly address policyholders’ concerns can make a big difference.

While Cincinnati Insurance received the highest rating for customer satisfaction, it received slightly lower claims processing scores than Erie and Auto-Owners Insurance. Although Erie offers more affordable rates, it falls short in customer satisfaction.

Based on an analysis of affordability and service quality for policies that only meet Ohio’s minimum coverage requirements, the best companies in Cleveland are:

• Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($364 per year)
• Erie: MoneyGeek score of 84 out of 100 ($217 per year)

Although minimum coverage policies tend to be more cost-effective, they may not offer sufficient liability coverage and do not typically cover damages to your own vehicle. Keep in mind that Ohio's minimum car insurance requirements apply to all cities within the state.

For the best minimum coverage policies, car insurance providers should offer affordable premiums while maintaining excellent customer service. Cincinnati Insurance is a prime example, providing quality service despite not being the cheapest option. Cincinnati Insurance outperformed Erie in terms of customer satisfaction.

Young adults can find the best auto insurance in Cleveland from the following companies:

• Cincinnati Insurance: MoneyGeek score of 85 out of 100 ($976 per year)
• Erie: MoneyGeek score of 82 out of 100 ($788 per year)

Cincinnati Insurance received top ratings for customer service and coverage options, ensuring high-quality service for policyholders. We also assessed the best car insurance providers for young drivers to help you choose the best option.

Young drivers in Cleveland shopping for the best auto insurance providers should prioritize companies with exceptional service quality, affordable policies and discounts tailored to their age group. Cincinnati Insurance meets all of these criteria, providing relatively inexpensive policies, outstanding customer service and a discount option for young drivers. While Erie may offer more budget-friendly rates, it fell short in the customer service category.

The following are the top car insurance providers in Cleveland for adding a 16-year-old to a family policy:

• Auto-Owners Insurance: MoneyGeek score of 81 out of 100 ($2,303 per year)
• GEICO: MoneyGeek score of 72 out of 100 ($2,015 per year)

Auto-Owners Insurance scored the highest in affordability among the eight insurers in our evaluation. It also received a favorable rating for customer satisfaction, making it a top choice for those prioritizing cost without sacrificing quality.

Car insurance for teens can be costly, but adding them to their parent’s existing policy can save them money compared to buying standalone coverage. By doing so, teens in Cleveland could save an average of $2,527 per year by being added to a family policy.

Our guide on the best car insurance for teens can help you make an informed decision.

When car insurance policies for teen drivers, looking for providers offering affordable rates, quality service, discounts and coverages designed specifically for teens is essential. These may include good student discounts and accident forgiveness coverage.

Auto-Owners Insurance is the top choice for teen drivers in Cleveland, thanks to its affordable rates, outstanding customer service, claims processing and discounts tailored for teenagers. Although it may not score as highly as GEICO for customer service, it has a better claims management rating.

These companies offer the best car insurance in Cleveland for seniors:

• Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($740 per year)
• Erie: MoneyGeek score of 82 out of 100 ($611 per year)

Cincinnati Insurance offers the best car insurance for seniors, with the highest rating for customer satisfaction and a good affordability score. Typically, drivers in their 60s pay rates comparable to those in their 30s through 50s, but those in their 70s often face higher premiums.

Seniors in their 60s generally pay lower rates for car insurance than those in other age groups. The best policies for older drivers will include affordable full coverage with personal injury protection (PIP), which provides better coverage for medical expenses. While Cincinnati Insurance does not offer senior-specific discounts, its outstanding service and claims management set it apart from other insurers.

Drivers in Cleveland with violations on their driving record can find the best car insurance from the following providers:

• Erie: MoneyGeek score of 81 out of 100 ($1,022 per year)
• American Family: MoneyGeek score of 80 out of 100 ($726 per year)

Car insurance rates can vary depending on the severity of the offense, with more severe violations resulting in higher rates. In Cleveland, drivers with a speeding ticket or a DUI offense will pay approximately $193 and $564 more, respectively, than those with clean records. The annual cost for drivers without violations is $937.

Choosing one of the best auto insurers for drivers with bad records can help you save money on car insurance.

The best auto insurance provider for drivers with a poor record offers reasonably-priced rates, multiple discounts and important coverages like accident forgiveness or roadside assistance. While Erie does not offer roadside assistance, it stands out for providing other vital add-ons, affordable rates and high-quality customer service. Though it offers cheaper rates, American Family has room for improvement in customer service and claims processing.

Travelers is the best insurance provider for new car owners in Cleveland. The top-two insurers for new car owners are:

• Travelers: MoneyGeek score of 76 out of 100 ($744 per year)
• Farmers: MoneyGeek score of 58 out of 100 ($991 per year)

We based our rankings for this category on the affordability and quality of service offered to Ohio drivers with 2022 car models. We also only considered insurers that provide better or new car replacement coverage.

With new car replacement coverage, the cost of a brand-new car of the same make and model is covered if your vehicle is totaled in an accident. Travelers stands out with its new car replacement coverage, affordable rates and quality customer service.

New car drivers should opt for an auto insurance company that offers new or better car replacement coverage to save money if their vehicle is totaled in a covered accident. Travelers is the top insurer due to its affordability and new car replacement protection. Farmers comes in second with more expensive policies costing $991 per year — $247 more on average than Travelers.

Choosing the best car insurance provider in Cleveland depends on your needs and driver profile. To help you make an informed decision, we've compiled answers to some commonly asked questions below.