Cheap Car Insurance in Euclid, OH
Everything You Need to Know About Auto Insurance in Ohio
Euclid became a city in 1930. At that time, this Cuyahoga County town focused on farming, producing wheat and grapes, and eventually incorporated other industries, including shipbuilding and opening a saltworks, a sawmill, and a gristmill. By 1931, the town’s population reached almost 13,000, and by 2023, the population was about 48,000. Euclid, known as the Lakefront City, sits on Lake Erie’s southern shore. Several major thoroughfares run through Euclid, including OH-283 and the Lakeland Freeway.
Before you hop on over to Lake Erie for a day of fun, make sure you’re protected with the best auto policy. Buckeye State residents who drive must have car insurance in Ohio. Keep reading to learn about auto coverage in Euclid, including policy requirements, average rates at different ages, and how to find discounts.
How Much Does Car Insurance Cost in Euclid, Ohio?
You can expect your insurance rates in Euclid to be about $30 a month for liability coverage and about $97 a month for full coverage. The national monthly average is $48 for liability and $147 for full coverage.
Getting a Free Auto Insurance quote with Freeway is easy!
What Does Full vs. Minimum Mean?
Say you’re driving home after a long day at work, and you turn onto the wrong side of the median from Lakeshore Boulevard to East 222nd Street. You brake and swerve, but it’s too late. You’ve caused a fender bender.
But don’t worry. If you’ve got the minimum state-mandated liability coverage, your policy will cover the property damage and medical expenses you’ve caused the other driver, up to your policy limits. Even better — if you have full coverage, your insurer will cover your own damage (after you pay your deductible).
Affordable Car Insurance Rates Comparison by Cities in Ohio
Euclid drivers pay about the same for their auto policy rates as residents in some other Ohio cities, as shown in the following chart:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Euclid | $97 | $30 |
| Dayton | $98 | $41 |
| Cincinnati | $98 | $45 |
| Akron | $101 | $30 |
| Springfield | $98 | $34 |
Affordable Euclid Car Insurance Rates by Zip Code
Some people who live in different zip codes might be surprised to find their policy rates are a lot different. That’s because auto theft and insurance claim rates vary from zip code to zip code. But that’s not the case in Euclid.
While other factors besides your residence zip code go into determining your premium, residents in each of the five zip codes can expect to pay about the same average rates:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 44117 | $100 | $31 |
| 44119 | $101 | $31 |
| 44123 | $97 | $30 |
| 44132 | $95 | $30 |
| 44143 | $93 | $30 |
Low-Cost Car Insurance Rates by Age in Euclid
Statistics show people of different ages pose different risks — teenagers (along with other new drivers) and older people are at greater risk of an accident.
Euclid residents can expect to pay around the following rates at each of the following ages:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $442 | $163 |
| 20s | $112 | $35 |
| 30s | $97 | $30 |
| 40s | $87 | $28 |
| 50s | $81 | $27 |
| 60s | $84 | $29 |
| 70s | $104 | $37 |
* Methodology: We used the following demographic to determine the average monthly premiums for Euclid residents: a 30-year-old male carrying the state’s minimum liability requirements and the state’s full coverage requirements. Premiums vary due to factors such as age, deductible amount, liability limits, discount program eligibility, type of car, and more.
Driving Conditions in Euclid
How Many Fatal Accidents Happen in Euclid?
There were four fatal accidents in Euclid in 2022.
How Are the Road Infrastructure and Bridges in Euclid?
Euclid’s Streets and Sewers Department maintains the 143 lane miles of roads, including street sweeping, curb replacement, and leaf and snow removal. The city works with the Ohio Department of Transportation on some projects, such as the Euclid Avenue resurfacing project and the East 185th Street rehabilitation project, completed in 2022.
The Ohio Department of Transportation (ODOT) inspects, repairs, and replaces bridges on state and U.S. routes. Stay alert for changes in traffic patterns in construction and maintenance zones.
Minimum Car Insurance Requirements in Euclid
It’s illegal for Ohio residents to drive without the following minimum coverage:
- Bodily injury liability for one person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability: $25,000
Just remember, this coverage only pays for damage you cause someone else in an accident that’s your fault. You’ll need to pay for anything beyond these limits and for your own property damage and medical bills.
Shelling out a little investment for full coverage now can save you a future bundle in the case of an emergency on the road.
What Are the Penalties for Driving Without Insurance in Euclid, Ohio?
If you’ve been putting off buying a policy because you’re trying to save yourself a little cash, you might see all those savings go out the window if a police officer catches you driving uninsured. The consequences you face include:
- Driver’s license suspension
- Loss of vehicle license plates
- Loss of vehicle registration
- Various fees (license reinstatement fee, court costs, etc.)
- High-risk coverage for three to five years
- Vehicle forfeiture for repeat offenders
If you have an accident, you’ll be responsible for even more expenses because you’ll have to pay for all the damage.
If you’re one of the 17% of Ohio drivers without auto coverage, do yourself a favor and talk to a Freeway agent about how you can get the cheapest auto insurance to protect you and your bank account.
Find an office near you to help with your auto insurance
Factors Allowed in Euclid Car Insurance Rates
Agents review several factors when determining your premium, including:
- How old you are
- Where you live
- What you do for a living
- Your car’s age
- Your car’s make and model
- Your driving history
The current cost of medical care and auto repair and replacement are also factors. When these rates go up, you’ll most likely see an increase in rates. You may be able to help offset these rate increases by adding safety equipment to your car, such as a LoJack for vehicle tracking or a steering wheel lock to help prevent auto theft.
What Happens If I Damage Property?
If you cause an accident, first make sure everyone is okay. If there is an injury, call emergency services and wait for help to arrive.
If you’ve hit non-vehicle property like a building, fence, mailbox or light pole, first determine whether you or anyone else, like a passenger or a passerby, has injuries. If so, again, call for emergency services. If there are no injuries, try to locate the property owner.
In either case, call your insurance company as soon as possible. They can guide you through what to do in your unique situation. Your liability coverage should pay for the damage you’ve caused up to your policy’s limits.
What Are the Best Discounts for Car Insurance in Euclid, OH?
It’s always a good day when you can save a few dollars. Insurance is no different. Ask your agent about available discounts for which you might qualify. Here are a few examples:
If you have served or are serving in the military, you may qualify for the military auto insurance discount and save up to 15% off your monthly bill. Just ask your agent what paperwork is required (for instance, a DD-214, a discharge certificate, or active-duty military orders) to prove your military status.
Get an Online Quote for Car Insurance in Euclid Today!
Heading out to Sims Park? Be sure you’ve got the best car policy to protect you on the way.
Just have the helpful Freeway Insurance agents find you the cheapest car insurance in Euclid. It’s easy! Just fill out a quick online form, visit us in person at our Euclid office, or call us at (800) 777-5620.