Cheapest Car Insurance Quotes in Clanton

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Clanton Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Clanton

The car insurance rate in Clanton is $908 for a six-month policy, which is $28 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $490, making it a popular choice for budget-conscious drivers. Rates in Clanton can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Clanton

$908

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Clanton

1st place: AutoOwners Insurance Co

At $490 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $639 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $692 for six months, making it the third cheapest auto insurance company in Clanton.

Clanton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clanton, AL is AutoOwners Insurance Co, offering policies at just $490 for a six-month term. This is followed by State Farm, which has an average six-month premium of $639.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1942 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clanton drivers find the best deals.

Cheap Car Insurance Companies in Clanton, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$490	$81
State Farm	$639	$108
Travelers	$692	$116
Country Financial	$709	$119
Cincinnati	$731	$123
USAA	$755	$127
Auto-Owners	$807	$136
Nationwide	$1019	$174
Allstate	$1037	$175
Progressive	$1170	$197
Farmers	$1942	$324

Key Takeaways

Way's key takeaways about car insurance in Clanton

The auto insurance costs in Clanton fall around $490 for six months.
The cheapest auto insurance company in Clanton is Cincinnati.
Teen drivers pay the highest rate in Clanton at $1134 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Clanton

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Clanton are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Clanton. Their Average 6 Month Premium is $127. Farmers is the most expensive at $737 for the same period.

Cheapest Liability Coverage in Clanton, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$127	$21
Mercury	$139	$23
Country Financial	$213	$36
Auto-Owners Insurance Co	$219	$37
USAA	$219	$37
State Farm	$225	$38
Travelers	$242	$41
Auto-Owners	$276	$47
Progressive	$392	$66
Nationwide	$415	$69
Allstate	$455	$77
Farmers	$737	$123

Cheapest Full Coverage Car Insurance in Clanton

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Clanton is AutoOwners Insurance Co at $81 per month and $490 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clanton, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$490	$81
State Farm	$639	$108
Travelers	$692	$116
Country Financial	$709	$119
Cincinnati	$731	$123
USAA	$755	$127
Auto-Owners	$807	$136
Nationwide	$1019	$174
Allstate	$1037	$175
Progressive	$1170	$197
Farmers	$1942	$324

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Average Car Insurance in Clanton by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Clanton, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Clanton, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Clanton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Clanton

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Clanton,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Clanton at $23 per month. At $6736 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$139	$23
Country Financial	$219	$37
Travelers	$1354	$228
USAA	$1642	$276
State Farm	$1711	$288
Auto-Owners	$2610	$444
Allstate	$3371	$567
Nationwide	$4102	$697
Progressive	$5906	$994
Farmers	$6736	$1134

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Clanton, Cincinnati is the cheapest car insurance provider. At $178 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Clanton is Farmers, offering rates of around $3140 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$178	$30
Country Financial	$306	$52
Nationwide	$415	$69
Travelers	$870	$146
USAA	$1043	$174
Progressive	$1245	$210
Allstate	$1970	$329
State Farm	$2264	$385
Auto-Owners	$2501	$417
Farmers	$3140	$534

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Car Insurance Rates with An Accident in Clanton

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Clanton, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Clanton

The cheapest car insurance companies after an at-fault accident in Clanton include Cincinnati and AutoOwners Insurance Co, offering $196 and $306, respectively. Farmers is an expensive provider with an average six-month premium of $2691.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$196	$33
Auto-Owners Insurance Co	$306	$52
Country Financial	$306	$51
Safeway	$380	$64
Travelers	$553	$93
State Farm	$617	$104
USAA	$766	$129
Auto-Owners	$818	$138
Allstate	$1297	$218
Progressive	$1884	$317
Nationwide	$1930	$322
Farmers	$2691	$458

Clanton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clanton AL. For example, the car insurance in Clanton after a DUI increases to $784 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Clanton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$945	$157
One Med/PIP claim	$945	$161
One comp claim	$974	$162
Two Med/PIP claims	$974	$166
Not-at-fault accident	$980	$163
Two comp claims	$1025	$175
Driving without lights	$1123	$187
Failure to wear a seat belt	$1135	$193
Failure to show documents	$1141	$190
Child safety restraint	$1147	$195
Cell phone violation	$1164	$194
Driving with expired registration	$1164	$198
Driving too slowly	$1170	$195
Speeding 6 - 10 MPH over limit	$1170	$199
Speeding in school zone	$1170	$195
Texting while driving	$1170	$199
Speeding 11 - 15 MPH over limit	$1181	$197
Wrong way/wrong lane	$1181	$201
Failure to yield	$1187	$198
Following too closely	$1187	$202
Illegal turn	$1187	$198
Speeding 16 - 20 MPH over limit	$1187	$202
Failure to stop at a red light	$1193	$199
Improper passing	$1193	$203
Passing school bus	$1233	$206
Speeding 21 - 25 MPH over limit	$1239	$210
At-fault accident - less than $1000	$1250	$209
In 65 MPH zone	$1268	$215
At-fault accident - $1000-$2000	$1366	$228
Operating a vehicle without permission	$1394	$237
At-fault accident - greater than $2000	$1406	$235
Open container	$1435	$243
Reckless driving	$1590	$265
Driving with a suspended license	$1660	$282
Racing	$1682	$280
Refusal to submit to a chemical test	$1694	$288
DUI	$1729	$288
Leaving scene of an accident/hit and run	$1797	$306

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Clanton after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Clanton.

The cheapest car insurance premiums in Clanton are offered by Cincinnati at $265 for a six-month policy. However, it can be as expensive as $2587 with companies like Farmers.

Clanton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$265	$45
Country Financial	$357	$60
Travelers	$680	$114
State Farm	$1019	$172
USAA	$1141	$192
Allstate	$1204	$203
Progressive	$1210	$204
Auto-Owners	$1533	$258
Nationwide	$2575	$430
Farmers	$2587	$439

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Clanton are offered by Cincinnati at $133. However, it can be as expensive as $2483 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Clanton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$133	$22
Country Financial	$190	$32
Auto-Owners Insurance Co	$253	$43
State Farm	$427	$72
Travelers	$657	$111
USAA	$697	$118
Auto-Owners	$847	$142
Allstate	$1274	$216
Progressive	$1763	$294
Farmers	$2483	$422

Car Insurance Price Trends in Clanton, Alabama

Car insurance rates in Clanton have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Clanton rose by $192 in December compared to $189 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Clanton rose to $49 in December, compared to $48 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Clanton?

The car insurance in Clanton is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Clanton?

The cheapest car insurance in Clanton is $81 per month for full coverage.

How much is car insurance in Clanton for teenagers?

Car insurance for teenagers costs $139 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Clanton?

The average cost of car insurance is $936 for a six-month policy. It will cost around $152 per month to insure your car in Clanton.

Is car insurance expensive in Clanton?

Car insurance can be expensive in Clanton if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Clanton can be affordable.

Cheapest Car Insurance Quotes in Clanton

Why you can trust Way?

How Much Is Car Insurance in Clanton

Avg. Car Insurance in Clanton

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Clanton

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Clanton Car Insurance Rates by Company

Cheap Car Insurance Companies in Clanton, AL

Way's key takeaways about car insurance in Clanton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clanton

Cheapest Liability Coverage in Clanton, AL

Cheapest Full Coverage Car Insurance in Clanton

Cheapest Full Coverage Car Insurance Quotes in Clanton, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clanton by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Clanton, AL increasing?

Car Insurance Premiums by Age in Clanton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clanton,AL

If you are in your twenties N/A is the best choice for car insurance in Clanton.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Clanton

Cheapest Car Insurance Companies after an At-Fault Accident in Clanton

Clanton Car Insurance Rates by Violation

Clanton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clanton after a DUI

Clanton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clanton after Speeding ticket

Car Insurance Price Trends in Clanton, Alabama

Average Car Insurance Cost in Clanton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clanton, AL

Car Insurance Rates by State in the USA (2025 Update)

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