GEICO, Nationwide, and USAA Offer Cheap Car Insurance in Cleveland, Ohio
GEICO, Nationwide, and USAA Offer Cheap Car Insurance in Cleveland, Ohio
Cleveland Ohio car insurance

There are a variety of companies in the Cleveland area that offer auto insurance. Some of these companies are GEICO, Nationwide, and USAA. The State of Ohio also offers insurance. You can compare insurance rates and choose the best one for your needs. Regardless of which company you choose, make sure to read the fine print and understand your coverage options.


There are many benefits of dealing with a GEICO Cleveland Ohio car insurance agent. For example, you'll find that your insurance rates will be lower with a GEICO agent in North Olmsted. In addition, you'll get great customer service and have the benefit of a policy that's right for your needs.

The company also offers discounts for safe drivers. If you've never had an accident, you'll likely qualify for a "good driver" discount, which will save you $18 each month. On the other hand, if you've been in a serious accident or speeded, you'll pay at least $575 more each year.

Another benefit of GEICO Cleveland Ohio car insurance is their free roadside assistance program. This program helps stranded drivers get back on the road. In addition, their Freeway Safety Patrol provides emergency medical assistance and traffic control at accident sites. You can also get additional insurance coverage from GEICO, such as travel and umbrella insurance. Even pets are covered. The company also offers a mobile app with tips on car repair and safety.

Geico Cleveland Ohio car insurance rates are competitive with other insurers in the area. Its average rate for full coverage is $1,257 per year, which is $281 less than the next lowest-priced insurer, State Farm, and the Ohio average. Unlike most auto insurance providers, Geico does not consider your credit score when determining your rates. However, poor credit is a factor in your rate, as poor-credit drivers have a higher risk of filing claims. As a result, people with bad credit tend to pay $698 more than drivers with good credit.


Nationwide offers an affordable selection of Ohio auto insurance policies. Depending on your needs, you can choose from a variety of coverage levels. Bodily injury limits can range from $25,000 to $50,000 per accident, with $25,000 of coverage for property damage. Other features of a Nationwide car insurance policy include accident forgiveness and roadside assistance.

The non-collision portion of coverage covers damage to your car after non-collision-related incidents, including fire, vandalism, and glass breakage. You can also choose collision coverage for damage caused by collisions with another object or vehicle. Both of these coverages pay for repairs and replacement regardless of age.

Homeowners insurance in Cleveland Ohio is important for many reasons. The city has an older housing stock, low-lying areas, and weather conditions. While most homeowners know they need to get home insurance, many of them may have questions about the basic policy coverage or additional options. A Nationwide agent can help answer your questions about dwelling coverage, contents coverage, replacement cost, flood insurance, and more.

State of Ohio

The minimum liability coverage for your car insurance in the State of Ohio is $25,000 per person. However, if you've been in a few accidents and have been cited, you may be eligible for an assigned risk program or conventional high-risk insurance. The cost of coverage depends on your driving record and state laws, but it's always a good idea to get several quotes. The cheapest option is to carry only the minimum liability coverage. Nevertheless, it's important to know that this coverage only protects other drivers and vehicles, and that you may have to pay for any damages out of your own pocket.

Having adequate insurance coverage is essential for driving legally in the State of Ohio. Drivers in the state must have bodily injury liability coverage and property damage liability coverage. It is illegal to drive without insurance and it is illegal to allow anyone else to use your car without insurance. You may also be required to present proof of insurance at accident scenes, traffic stops, and vehicle inspections.

Car insurance rates in the State of Ohio depend on several factors, such as your age, driving history, and credit score. These factors can increase your premiums, but a minimum policy in the State of Ohio will cost only $73 a month, or $880 a year. This is $203 less than full coverage.

Average policy cost

There are some factors that will affect your auto insurance policy's cost in Cleveland, Ohio. For example, your driving history will determine how much you pay. Drivers with a clean driving record can expect to pay less. A person with just one ticket or accident can expect to pay about $78 per month. To reduce your cost, be sure to drive carefully and follow all traffic rules. You should also check out different insurance companies to see which one offers the best deals.

Your ZIP code is also an important factor. The average policy cost for Cleveland car insurance varies significantly based on your ZIP code. If your ZIP code is known for high crime and uninsured motorists, your policy will probably cost more. If you live in a high-crime neighborhood, your rate will rise about nine percent.

Another factor that will increase your insurance premium is having recent at-fault accidents on your record. Drivers in Ohio with recent accidents pay about $1,358 annually for full coverage. Additionally, having a DUI on your driving record is a risk factor that can drive up your rates.

While car insurance premiums in Ohio are relatively low compared to the national average, they are still rising. You may want to consider getting a professional insurance broker to help you compare rates for the best policy.

Discounts for independent agents

There are a variety of discounts available to car insurance customers in Cleveland. Increasing your deductible can lower your monthly expenses while retaining the same insurance coverage. Bundling your insurance policies may also lower your rates. You can ask your agent about any other discounts available. Bundling your car insurance and home insurance can also save you money.

Some of the largest auto insurance companies in Ohio, like State Farm, can offer you a wide range of discounts. They have agents in dozens of cities across Ohio, and they can search for discounts for prospective policyholders. For example, if you're a student and live more than 100 miles away from home, you may be able to qualify for the Student Away at School discount. Additionally, many insurers will give you a discount for using telematics, such as GPS navigation systems or other car safety features.

Another great way to save money on car insurance is to work with a licensed insurance agent. You'll get comparative quotes from multiple companies. This will help you make an informed decision and choose the best policy for you. In Ohio, you'll need to carry bodily injury liability coverage, which pays for the medical costs of the other driver if you're involved in an accident. The minimum limit is $25,000 per person and $50,000 per accident, but most insureds choose higher limits.

If you're looking for car insurance in Cleveland, you'll want to shop around for a local insurance agent. This way, you'll save money while receiving excellent customer service.