Cleveland, Ohio Auto, SR-22, Home, Renters & Motorcycle Insurance
Sitting both on the Cuyahoga River and Lake Erie, Cleveland has long been an economic powerhouse at the heart of the Midwest. It has weathered economic downturns and a sometimes-harsh climate. And it continues to develop as one of Americans' preferred mid-sized cities to settle down.
Cleveland is certainly a crossroads, not just for locals, but also for passersby. It's known for its traffic congestion, and why you might face significant accident risks when you drive in the area. To protect yourself, you need car insurance. So, if you're looking for an appropriate Ohio policy that comes with tailored coverage options, come to Cloverleaf Insurance.
You can start an online quote or call us at (800) 530-5822. It's fast, free and easy for all customers.
Cleveland Residents: Choose Cloverleaf Insurance
Question: Why do you need car insurance?
Answer: Car insurance helps you protect yourself, your car and your wallet in the event a wreck or other hazardous event damages the vehicle. Your policy is a source of financial assistance that can help you afford the often-high recovery costs that might accompany vehicle damage.
Your policy has to be specific to you, your car and the driving risks you face in and around Cleveland. That's why you need a local agent that's going to look out for your needs. Cloverleaf Insurance has a long-term investment in the people of the Forest City, and our dedicated agents are more than willing to help you receive coverage that's imperative to creating a security shield around your vehicle.
Ohio's Auto Insurance Requirements
The State of Ohio requires all drivers to carry auto liability insurance. It will pay third parties, like other drivers, for the losses you cause them if an accident is your fault. Your policy must include at least:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage total per accident
- $25,000 property damage coverage
Other Coverage Choices
You don't have to buy only the state's required car insurance; it's just a minimum required amount. You have a lot of leeway to increase your policy limits to create more wide-reaching protection. Ask your agent about some of the following policy additions:
- Higher liability coverage limits can pay more money if you face expensive liability losses.
- Collision insurance covers your car’s damage if you have a wreck.
- Comprehensive coverage pays for your car’s repairs if incidents not related to wrecks—theft, falling objects, fire, vandalism, severe weather — damage it.
- Medical payments protection helps you cover your own injury costs resulting from wrecks.
- Uninsured/underinsured coverage pays you when another driver is at-fault for your losses but does not have the right liability insurance to repay you.
Non-Standard Auto Insurance
If you have a non-standard vehicle or a few black marks on your driving record, you might worry that you won't be able to get car insurance, or that you'll pay high prices for your policy. Cloverleaf Insurance can insure a huge diversity of drivers, and we'll do it affordably. We can assist:
- DUI and ticket recipients
- SR-22 penalty recipients
- Motorcyclists and RV owners
Cleveland, OH Car Insurance Frequently Asked Questions
On average, Ohio's statewide car insurance rate is $700 per year. However, your precise premium will vary based on numerous factors — such as your vehicle value, chosen policy limits and your location in Cleveland.
Cleveland, because it is a large city, tends to have higher average car insurance rates than the statewide average. The city's average clocks in at around $1,300 per year, or a bit more than $100 per month.
Cleveland's citywide average is not a guarantee of how much you will pay for your coverage. First, car insurance rates vary considerably based on your risk profile. Second, each insurer uses different risk evaluations and cost parameters to set premiums for their subscribers. Cloverleaf Insurance is able to compare multiple policies from multiple providers. That way, we can make sure you always get the one that's most-effective for your cost needs.
Call us at (800) 530-5822 or request your free quote estimate now!