Cleveland Heights Car Insurance

How much does car insurance cost in Cleveland Heights, OH? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Cleveland Heights?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Ohio has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Cleveland Heights typically pay around $109.79 per month compared to the national average of $140.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $140.68
Ohio $97.82
Cleveland Heights, Ohio $109.79

Cleveland Heights, OH Best Car Insurance Companies

car insurance in Cleveland Heights

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Cleveland Heights coming in around $73.48 per month. Other companies to consider if you live in Cleveland Heights is Clearcover with an average cost of $73.77 per month and State Farm which typically runs around $77.75 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Cleveland Heights.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $73.48-24.89%
2 Clearcover $73.77-24.59%
3 State Farm $77.75-20.52%
4 Buckeye Insurance Group $88.19-9.85%
5 American Family $89.42-8.59%
6 Auto-Owners Insurance Co $90.20-7.79%
7 Erie $92.54-5.40%
8 Safeco $99.571.78%
9 NatGen PPA $103.225.52%
10 Central Mutual Insurance Co $105.778.12%

How Much is Car Insurance in Cleveland Heights, OH?

how much is auto insurance in Cleveland Heights

Rates can vary from city to city. The residents of Akron typically pay $104.28 per month while people who live in Canton will pay $92.49 per month on average. See what people pay for car insurance in other cities in Ohio.

Ohio CitiesMonthly Average Rate
Akron $104.28
Canton $92.49
Cincinnati $112.95
Cleveland $114.69
Cleveland Heights $109.79
Columbus $115.32
Dayton $97.83
Groveport$108.88
Hamilton $96.56
Lima$87.88
Mansfield $84.20
Marion$78.50
Springfield $83.23
Toledo $110.05
Warren$82.85
Youngstown $96.34

Cheap Car Insurance in Cleveland Heights by Zip Codes

find cheap auto insurance in Cleveland Heights

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Ohio. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Cleveland Heights, OH ZIP CodeAverage Monthly Rate
44106$160.72
44112$136.14
44118$98.09
44121$106.01

Car Insurance Rates by Driver's Age Group in Cleveland Heights

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $130.28 per month in Cleveland Heights. Compare that to drivers in their 30’s who typically pay around $93.22 per month drivers in their 40s at $124.42 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
20s$130.28
30s$115.80
40s$93.22
50s$124.42
60s$80.89
70+$93.56

Cheapest Insurance for Teenage Drivers in Cleveland Heights

CompanyAverage Monthly Rate
No data available to show

Cheapest Insurance for 20 Year-olds in Cleveland Heights

20 year-olds in Cleveland Heights might want to consider Clearcover who, on average, offers car insurance rates around $80.78 per month. USAA , State Farm , Buckeye Insurance Group and American Family are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$80.78
USAA$89.42
State Farm$94.08
Buckeye Insurance Group$107.01
American Family$108.28

Cheapest Insurance for 30 Year-olds in Cleveland Heights

If you are in your 30s in Cleveland Heights our research has found that State Farm typically has the most affordable coverage coming in around $77.97 per month, followed by USAA at $77.99 and NatGen PPA at $85.83.

CompanyAverage Monthly Rate
State Farm$77.97
USAA$77.99
NatGen PPA$85.83
Auto-Owners Insurance Co$89.08
American Family$94.06

Cheapest Insurance for 40 Year-olds in Cleveland Heights

On average, USAA offers car insurance for 40 year-olds in Cleveland Heights for around $77.22 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$77.22
State Farm$86.66
Auto-Owners Insurance Co$96.57
American Family$97.55
Buckeye Insurance Group$100.81

Cheapest Insurance for 50 Year-olds in Cleveland Heights

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Cleveland Heights we found that USAA generally offers the most affordable coverage at $54.29 per month.

CompanyAverage Monthly Rate
USAA$54.29
State Farm$61.63
Buckeye Insurance Group$63.61
Auto-Owners Insurance Co$64.75
American Family$67.41

Cheapest Insurance for 60 Year-olds in Cleveland Heights

If you live in Cleveland Heights and you’re in your 60s, our data indicates that NatGen PPA usually has the best rates at $62.30 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
NatGen PPA$62.30
USAA$63.33
State Farm$63.48
Clearcover$65.78
Buckeye Insurance Group$68.97

Driver's Coverage Auto Insurance Rates in Cleveland Heights, OH

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Cleveland Heights, the average monthly rate for a driver who is currently insured is $99.12 while drivers who are not currently covered will pay around $121.40.

CoverageAverage Monthly Rate
Not Currently Insured $121.40
Currently Insured $99.12

Compare Recent Car Insurance Quotes in Cleveland Heights

auto insurance quotes in Cleveland Heights city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Cleveland Heights a driver of a 2004 Hyundai Sonata can expect to pay around $92.69 per month while someone that owns a 2019 Jeep Cherokee may pay around $102.01 per month. Check out the list of recent quotes in Cleveland Heights below.

VehicleAverage Monthly Rate
2004 Hyundai Sonata$92.69
2019 Jeep Cherokee$102.01
2006 Kia Rio$119.00
2019 Hyundai Elantra$261.44
2020 Honda Cr-V$229.17
2008 Honda Civic$66.82

FAQ's for Drivers in Cleveland Heights, OH

driver’s frequently asked question in Cleveland Heights

What Is the Minimum Liability Coverage Requirement in Cleveland Heights, OH?

Every state requires drivers to have a minimum amount of liability coverage. Ohio drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Ohio, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passengers in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

What Is the Blood Alcohol Concentration (BAC) limit in Cleveland Heights, OH?

It is illegal for an individual to operate a motor vehicle in Ohio with the following BAC percentages:

  • .08%+ @ 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .01%+ @ < 21 years old

What happens if I don’t have insurance or my coverage lapses?

The Ohio Department of Public Safety states possible risks as vehicle registration and license plates impounded, driver’s license and registration suspension, and your vehicle may be immobilized or forfeited. Liability insurance is a minimum requirement in Ohio (and most others), so be sure to have coverage at all times!

Check Out Other Rates in Cleveland Heights, OH Nearby Cities:

Cleveland, OH

Euclid, OH

 

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Commute Time in Cleveland Heights, OH

23.3 Miles
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Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Cleveland Heights, OH

641

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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