The average cost of car insurance in Cleveland and Elyria is $121 and $92 per month, respectively, for full coverage. For the state-required minimum or liability insurance, Cleveland’s average is $43 per month, while Elyria is $37 per month. The state of Ohio’s average monthly rate for full coverage insurance falls a tick less at $86 and the average for state-required minimum or liability car insurance is $27 per month. The national average monthly rate is much higher at $161 for full coverage car insurance and $47 per month for the minimum liability.
Ohio is an at-fault state, so your state-required minimum or liability car insurance will go towards paying for the other driver’s injuries and damages, not yours, if you are at fault. If you are not at fault, the other driver’s insurance will pay for your injuries and damages – assuming they have insurance. Either way, you could be left with lots of financial debt after an accident.
Full coverage car insurance is another option. It includes the liability you need, plus the added protection of collision and comprehensive. These two types of insurance will help you recover financially from damage to your vehicle. You can add as much or as little as you want in added insurance protection, including for medical costs.
For comparison, here is a breakdown of the average monthly car insurance rate by major nearby cities: