Compare average insurance rates in Cleveland for 2026
🏠
Home
$1380
/year
🚗
Auto
$1334
/year
🏥
Health
$484
/month
💰
Life
$23
/month
🏢
Renters
$14
/month
💡 Are you overpaying? Most Cleveland residents pay 15-30% more than they should.
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Home Insurance in Cleveland, OH
The average cost of homeowners insurance in Cleveland, Ohio is $1,380 per year in 2026. This compares to the state average of $1,500 per year.
$1,380per year (avg in Cleveland)
$874OH avg: $1,500$2024
Factors Affecting Home Insurance in Cleveland
🏠
Home Value Average: $210,000
🌪
Weather Risk medium
🌊
Flood Zone 4% of properties
📈
Cost Index 0.92 (100 = national avg)
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$168,000
$84,000
$100,000
$1,035
Standard (HO-3)
$210,000
$105,000
$300,000
$1,380
Premium (HO-5)
$262,500
$157,500
$500,000
$1,863
Auto Insurance in Cleveland, OH
The average annual cost of auto insurance in Cleveland is $1,334, compared to the Ohio state average of $1,450.
$1,334per year (avg in Cleveland)
$828OH avg: $1,450$1932
📋
Minimum Coverage in Ohio: 25/50/25
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$733
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,334
Premium
250/500/250
$250 deductible
$250 deductible
$1,734
Health Insurance in Cleveland, OH
The average monthly health insurance premium in Cleveland is $484 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$484per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$348
$7,000
$9,100
Healthy, low usage
Silver
$484
$4,500
$9,100
Moderate usage
Gold
$605
$1,650
$8,700
Regular medical needs
Platinum
$726
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Cleveland
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in Ohio are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$14
per month (avg in Cleveland)
Renters insurance in Cleveland covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Cleveland
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Cleveland, OH is $1,380 per year for a standard HO-3 policy. Rates range from $874 to $2,024 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Cleveland is $1,334 per year for full coverage. Liability-only coverage averages around $600 per year. Ohio requires minimum coverage of 25/50/25.
Insurance costs in Cleveland are close to the national average (cost index: 0.92). Home insurance averages $1,380/yr and auto insurance $1,334/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.92), moderate natural disaster risk, average home values ($210,000), your personal claims history, credit score, and at-fault insurance laws in Ohio.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Cleveland residents can potentially save $543+ per year.
Ohio requires minimum auto liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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