Cleveland Car Insurance (OH)

Cleveland is the second largest city in the state of Ohio and boasts a population of more than 452,000 people according to the latest US Census data.

In 2005, the state of Ohio was ranked 13th for the lowest rates of car insurance in the country. If you are looking to secure car insurance as a resident in the city of Cleveland, you can expect to pay an annual premium in the neighborhood of $1356.

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Car Insurance Requirements in Cleveland, OH

The basic coverage package for insurance in Ohio is known as 12.5/25/7.5. Cleveland residents are required to have liability insurance on their vehicles. Coverage for bodily injury liability is at a minimum of $12,500 per injured person for up to a total payout of $25,000 per accident. The state of Ohio also requires vehicle owners to have coverage for personal injury liability set at a minimum limit of $7,500.

Cleveland residents are not required to carry uninsured motorist coverage but purchasing this type of coverage is a practical and recommended idea. The state of Ohio is a no fault state, meaning any driver who has an accident with a motorist that is uninsured must pay the expenses related to their personal medical and vehicle repair services. The recovery of any monies from incurred expenses must go through a court of law if the injured party wants to receive a reimbursement from the uninsured driver. Having a policy that covers uninsured motorist will assist in recovering money for both the expense of medical costs and the costs to repair the vehicle. Uninsured motorist coverage will also protect the victim in a hit-and-run scenario.

Ways to Save on Cleveland Car Insurance

In order to ensure the best rates for your personal vehicle insurance, you should compare the rates of various companies and seek out a reliable and local insurance agent who is knowledgeable of the regulations and requirements of Cleveland.

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