Cleveland Car Insurance Guide

Cleveland Rocks, and your car insurance coverage should too

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Spinning your wheels trying to get the best car insurance in Cleveland? The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident. 

You can drive with confidence in Cleveland knowing you’re covered with Lemonade Car

Insurance requirements and limitations in Cleveland are determined by the state of Ohio. But don’t sweat the details. When you apply for Lemonade Car, we’ll automatically get you hooked up with the coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.

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Read on to learn about how you can get the best rates on car insurance in Cleveland. Here’s what we’ll discuss:

What car insurance coverage is required in Cleveland?

The state of Ohio requires all Cleveland drivers to have car insurance. 

Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.

For example, Ohio drivers are required to have a minimum of $25,000/$50,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)

To comply with Ohio’s car insurance coverage requirements, Cleveland drivers need the following coverages and minimum coverage amounts:

Required Minimum Coverages for Cleveland DriversMinimum Amount Required
Bodily injury liability coverage$25,000/50,000
Property damage liability coverage$25,000

Keep in mind: Your levels of bodily injury and property damage liability coverage don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.

Additional coverages available to Cleveland drivers

Cincinnati drivers who drive with Lemonade Car can (and arguably should) add the following coverages to their auto insurance policy to boost their protection behind the wheel. 

What add-on coverages does Lemonade Car offer?What can it help pay for?
Collision coverageTo repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Comprehensive coverageTo fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Medical payments coverage (aka MedPay)Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Uninsured motorist coverage/underinsured motorist bodily injury coverageMedical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Uninsured motorist property damage coverageTo repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Temporary transportation coverageTransportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Extended glass coverageTo replace your windshield, your sunroof, or your back glass if it’s damaged.

Want to dive into the nitty-gritty of what Ohio car insurance has to offer? Get the full scoop here

How much does Lemonade Car insurance cost in Cleveland?

Well, that depends. 

Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles. 

But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price for your car insurance policy.

When you buy a Lemonade Car policy, you’ll have the chance, over every six-month term, to prove your safe driving habits and potentially lower your price. Those habits can boost your Lemonade Safety Score and possibly lower your cost of car insurance (especially if you maintain a clean driving record).

Here’s a shout-out to our low-mileage drivers—the less you drive, the more you save. Along with lots of other factors, we consider how much you drive (or how little in your case) to come up with your price, making Lemonade especially ideal for the low-mileage driver.  

The right car insurance combines the coverage you need with a rate and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and how you can lower the cost of your rates. 

The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website

Click below to get your car insurance quote in Cleveland. 

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Best day trips around Cleveland 

Cleveland car insurance
You can easily go chasing waterfalls, just a half hour drive from Cleveland, at Ohio’s only National Park

Looking to get away for the day? Buckle up: These quick road trips can satisfy your wanderlust without taking you too far from Cleveland.

Cuyahoga Valley National Park

Ohio’s only National Park, Cuyahoga Valley National Park, is just about a half an hour away from Cleveland. It features over 125 miles of hiking trails, waterfalls, biking trails, a canal exploration center, farmers markets, and more.

The Holden Arboretum

Located just a half an hour from Cleveland, in Kirtland, The Holden Arboretum is the 12th largest public garden in the United States. See amazing foliage in the fall, climb up the Kalberer Emergent Tower to get a 360 degree view of the gardens and its surroundings, stand in awe of Patrick Dougherty’s amazing stick sculptures, and more.

The Rock and Roll Hall of Fame

Rock and Roll never dies. Located in Cleveland, on the shores of Lake Erie, The Rock and Roll Hall of Fame is a shrine to the legends of Rock and Roll. Learn about the lives of your favorite rock stars, take a look at the artifacts that made history- performance outfits, hand-written first drafts, and more. And if you’re there on a Sunday during football season, you can take the opportunity to see a Browns game at First Energy Stadium just across the way.

Cedar Point

Only about an hour outside of Cleveland—and spanning 365 acres—this 150 year old amusement park is considered to be one of the best amusement parks in the world. Cedar Point hosts 70 rides, from thrilling roller coasters, to more sedate water rides. While you’re there, you can also check out the town of Sandusky, which offers a maritime museum, a merry-go-round museum, as well as wonderful dining and attractions.

The Pro Football Hall of Fame

The Pro Football Hall of Fame celebrates the National Football League and its players. The Hall of Fame is located just an hour away from Cleveland, in Canton, Ohio, where the National Football League was founded in 1920. During your visit you can learn about football history and the stories of your favorite Hall of Famers as well as currently NFL players. If you’re not into football, but are a history and science buff, Canton is also home to the McKinley Museum and Presidential Library. The museum, named after President William McKinley, focuses on science and the life and times of our 25th president.

The Akron Art Museum

The Akron Art Museum was founded in 1850 in the city Akron, just 45 minutes from Cleveland. The museum focuses on modern and contemporary art, as well as art education. Additionally, in 2007, the iconic John S. and James L. Knight building was adjoined to the original 1899 building, making the museum structure itself into a work of art.

Other ways of getting around Cleveland 

Cleveland car insurance
Bikes are welcome and free on RTA’s buses and trains year-round, making it even easier to make your daily commute in Cleveland car-free

While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.

RTA,  the The Greater Cleveland Regional Transit Authority, operates a number of public transit options throughout the Cleveland area—including buses, trains, and trolleys. Like many US cities, Cincinnati residents who choose not to drive can get around using bikeshares and electric scooters, as well as rideshares.

Since Cleveland offers an expanse of suburbs, as a whole it’s not considered the most walkable city in America. But there are still some neighborhoods, such as Downtown Cleveland, Ohio City, and University City, that are easy to get around on foot, with Walk Sores ranging from 90 to 74.

At Lemonade Car, we reward low-mileage drivers with lower premiums. Columbus drivers who are behind the wheel fewer than 9,000 miles a year (around 22 miles daily) could be eligible for low-mileage car insurance discounts. 

Because of that, we encourage you—whenever possible—to go out and about without your car.  

How accessible are hybrid and electric vehicles in Cleveland?

As accessibility, efficiency, and upfront costs of hybrid and electric vehicles (EV) improve, the trends of drivers heading towards the future do, too. The market is expected to continue growing exponentially as new makes and models, legislation, and incentives become available.

Cleveland is part of the The Northeast Ohio Areawide Coordinating Agency(NOACA). With an investment of $3 million, NOACA’s Transportation Improvement Plan includes installing 120 electric vehicle charging stations in public places throughout the Northeast Ohio area. You can see a map of the planned locations for these charging stations here.

In addition, this year the Ohio EPA has allocated $8 million of the $11 million  it was awarded from the Volkswagen Mitigation Trust Fund to installing DC fast charging EV stations throughout 25 Ohio counties.

You can check out where your nearest EV charging stations are here.

At Lemonade Car, we support Cleveland drivers who make environment-friendly choices. We offer awesome protection and perks for hybrids and EVs—like coverage for your home charging station or a portable charger. Side note: Lemonade Renters and Homeowners policies can also be customized to include extra coverage for certain types of e-bikes, if that’s how you like to cruise.  

Fast car facts about Cleveland 

Cleveland isn’t just the second-biggest city in Ohio—it’s also a haven for those who love cars, car culture, and transportation history. Here are a few Cleveland-oriented car-centric tidbits: 

The Crawford Auto Aviation Museum

Located in the Western Reserve Historical Society in Cleveland, the Crawford Auto Aviation Museum “bring(s) the history of transportation alive,” featuring over 170 antique automobiles as well as other vehicles including aircrafts and even sleighs. It’s a testament to the importance of Northeastern Ohio to automotive history.

The National Packard Museum

Located in Canton, just an hour away from Cleveland, the National Packard Museum celebrates the influence the Packard Company has had on the automotive industry. The Packard Company was responsible for numerous automotive innovations—including the steering wheel, front and rear bumpers, the glove compartment, and much more. The museum features rotating exhibits of restored Packard automobiles as well as historical documents related to the automotive industry.

The Cleveland Auto Show

Spanning over a week at the end of February and the beginning of March, the Cleveland Auto Show is the place to be, if you’re a  car lover. It features a classic car show, ride n’drives, vehicle give away contests, and more. First starting in the early 20th century, the show has been rated one of the top five auto shows in the US. It’s a spectacle that’s definitely worth cruising through.  

Cuyahoga Valley Scenic Railroad

Located in the Cuyahoga Valley National Park (see above) the railroad has been offering scenic tours to  park visitors for 50 years and counting. In addition, it operates themed rides as well as bike aboard and kayak aboard options. These options allow you to bring your bike or kayak aboard the train and hop on and off the train at will.

Before we drive off into the sunset…

Cleveland drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on the I- 71/I-480!

Lemonade offers top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy, and coverage starts at just $30/month.

Our great coverage and super fast claims resolution don’t stop at Lemonade Car, though. Did you know that we also offer Homeowners, Renters, Pet, and Life Insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your Lemonade policies through the same app you use for Lemonade Car.

Let’s drive.

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Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.

This post is general in nature.  Any statement in this post does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence.  The terms, conditions, exclusions, or limitations applicable to your policy depend upon your unique circumstances, and you are encouraged to discuss your specific circumstances with your own professional advisors.  The purpose of this post is merely to provide you with information and insights you can use to make such discussions more productive.  Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them.

Coverages and other features described may not be available in all states.

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Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.