Cheapest Car Insurance Quotes in Clarkdale

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Clarkdale Car Insurance

^$ 37

/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 Clarkdale

The car insurance rate in Clarkdale is $868 for a six-month policy, which is $65 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in Clarkdale 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 Clarkdale

$868

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Clarkdale

1st place: Root Insurance Company

At $436 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $575 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $602 for six months, making it the third cheapest auto insurance company in Clarkdale.

Clarkdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clarkdale, AZ is Root Insurance Company, offering policies at just $436 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $575.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1011 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clarkdale drivers find the best deals.

Cheap Car Insurance Companies in Clarkdale, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$436	$73
Auto-Owners Insurance Co	$575	$98
Farmers	$602	$100
Mercury	$618	$105
Hartford	$646	$108
Iowa Farm Bureau	$652	$111
Travelers	$691	$116
State Farm	$868	$146
Progressive	$895	$151
USAA	$900	$152
Auto-Owners	$967	$163
Allstate	$1039	$175
The Hartford	$1238	$206
CSAA	$1879	$319
Nationwide	$1011	$168

Key Takeaways

Way's key takeaways about car insurance in Clarkdale

The auto insurance costs in Clarkdale fall around $436 for six months.
The cheapest auto insurance company in Clarkdale is Mercury.
Teen drivers pay the highest rate in Clarkdale at $817 per month.

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Cheapest Minimum Liability Car Insurance in Clarkdale

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 Clarkdale are given below.

Mercury provides the cheapest minimum car insurance coverage in Clarkdale. Their Average 6 Month Premium is $221. Allstate is the most expensive at $387 for the same period.

Cheapest Liability Coverage in Clarkdale, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$221	$37
Travelers	$259	$44
Auto-Owners	$282	$47
Auto-Owners Insurance Co	$287	$49
Country Financial	$293	$48
USAA	$293	$49
Root Insurance Company	$299	$49
Farmers	$315	$54
Progressive	$321	$54
Iowa Farm Bureau	$331	$57
State Farm	$337	$57
Allstate	$387	$65

Cheapest Full Coverage Car Insurance in Clarkdale

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 Clarkdale is Root Insurance Company at $73 per month and $436 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clarkdale, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$436	$73
Auto-Owners Insurance Co	$575	$98
Farmers	$602	$100
Mercury	$618	$105
Hartford	$646	$108
Iowa Farm Bureau	$652	$111
Travelers	$691	$116
State Farm	$868	$146
Progressive	$895	$151
USAA	$900	$152
Auto-Owners	$967	$163
Allstate	$1039	$175
The Hartford	$1238	$206
CSAA	$1879	$319
Nationwide	$1011	$168

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Average Car Insurance in Clarkdale 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 Clarkdale, AZ increasing?

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

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

Car Insurance Premiums by Age in Clarkdale

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$501
40s	USAA	$457
50s	USAA	$432
60s	USAA	$445
70s	USAA	$525

Cheapest Car Insurance Rates for Teen Drivers in Clarkdale,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Clarkdale at $45 per month. At $4906 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$265	$45
Travelers	$265	$45
Root Insurance Company	$304	$52
Progressive	$315	$52
USAA	$321	$55
Country Financial	$342	$57
State Farm	$342	$58
Allstate	$387	$65
Farmers	$387	$66
Auto-Owners Insurance Co	$392	$65
Iowa Farm Bureau	$409	$70
Auto-Owners	$2320	$387
CSAA	$4906	$817

Teen Car Insurance Rates in AZ by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Clarkdale.

As young drivers face the highest rates in Clarkdale, USAA offers the cheapest auto insurance rates at $501 for six months.

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 Clarkdale, Mercury is the cheapest car insurance provider. At $254 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 Clarkdale is Hartford, offering rates of around $607 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$254	$43
Travelers	$321	$55
Root Insurance Company	$381	$63
Progressive	$387	$66
Country Financial	$409	$68
Farmers	$458	$78
Nationwide	$470	$78
Allstate	$525	$89
Iowa Farm Bureau	$597	$100
Hartford	$607	$103

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Car Insurance Rates with An Accident in Clarkdale

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 Clarkdale, AZ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Clarkdale include Root Insurance Company and Country Financial, offering $376 and $381, respectively. CSAA is an expensive provider with an average six-month premium of $3049.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$376	$62
Country Financial	$381	$65
Auto-Owners Insurance Co	$447	$74
Travelers	$447	$75
State Farm	$597	$100
Noblr	$630	$107
Root	$685	$114
USAA	$724	$122
General Casualty	$857	$142
Progressive	$862	$145
Auto-Owners	$1227	$205
Farmers	$1265	$213
Mercury	$1315	$221
Allstate	$1342	$226
Farm Bureau Mutual (IA Group)	$1359	$227
Metromile	$1547	$263
General Agents Group	$1740	$290
Country	$1840	$312
The Hartford	$1950	$325
Encompass	$2000	$340
Nationwide	$2149	$358
Safeway	$2447	$416
Permanent General	$2646	$441
MetLife	$3016	$512
CSAA	$3049	$508

Clarkdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clarkdale AZ. For example, the car insurance in Clarkdale after a DUI increases to $1122 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Clarkdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1088	$181
One Med/PIP claim	$1088	$185
Not-at-fault accident	$1094	$182
One comp claim	$1138	$193
Two Med/PIP claims	$1138	$190
Two comp claims	$1182	$201
Failure to wear a seat belt	$1243	$207
Child safety restraint	$1293	$219
Driving without lights	$1293	$216
Failure to show documents	$1293	$219
Speeding 6 - 10 MPH over limit	$1315	$219
Driving too slowly	$1364	$232
Speeding 11 - 15 MPH over limit	$1364	$228
Speeding in school zone	$1364	$232
Driving with expired registration	$1375	$230
Speeding 16 - 20 MPH over limit	$1375	$233
Cell phone violation	$1381	$231
Failure to stop at a red light	$1381	$235
Failure to yield	$1381	$231
Following too closely	$1381	$235
Illegal turn	$1381	$231
Texting while driving	$1381	$235
Wrong way/wrong lane	$1381	$231
Improper passing	$1403	$239
Speeding 21 - 25 MPH over limit	$1420	$236
In 65 MPH zone	$1442	$246
Passing school bus	$1458	$243
At-fault accident - less than $1000	$1497	$255
Operating a vehicle without permission	$1574	$262
At-fault accident - $1000-$2000	$1618	$275
At-fault accident - greater than $2000	$1641	$273
Open container	$1723	$293
Reckless driving	$1911	$319
Driving with a suspended license	$1973	$336
DUI	$2210	$368
Refusal to submit to a chemical test	$2210	$376
Racing	$2259	$377
Leaving scene of an accident/hit and run	$2270	$386

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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 Clarkdale 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 Clarkdale.

The cheapest car insurance premiums in Clarkdale are offered by Mercury at $293 for a six-month policy. However, it can be as expensive as $1663 with companies like Nationwide.

Clarkdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$293	$50
Root Insurance Company	$331	$55
Country Financial	$415	$71
Travelers	$508	$86
Progressive	$513	$86
Hartford	$519	$86
State Farm	$547	$92
Farmers	$834	$140
USAA	$1110	$187
Allstate	$1646	$274
Nationwide	$1663	$283

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 Clarkdale are offered by AutoOwners Insurance Co at $287. However, it can be as expensive as $387 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Clarkdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$287	$49
State Farm	$293	$48
Travelers	$293	$50
Mercury	$315	$52
Progressive	$337	$58
Country Financial	$342	$57
Root Insurance Company	$376	$64
Farmers	$387	$64

Car Insurance Price Trends in Clarkdale, Arizona

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

The average cost of full coverage in the Clarkdale rose by $113 in December compared to $110 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 Clarkdale rose to $50 in December, compared to $48 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Clarkdale?

The car insurance in Clarkdale is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Clarkdale?

The cheapest car insurance in Clarkdale is $73 per month for full coverage.

How much is car insurance in Clarkdale for teenagers?

Car insurance for teenagers costs $265 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 Clarkdale?

The average cost of car insurance is $933 for a six-month policy. It will cost around $146 per month to insure your car in Clarkdale.

Is car insurance expensive in Clarkdale?

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

What is the best car insurance in Clarkdale, AZ?

The best car insurance company in Clarkdale AZ is Root Insurance Company, offering $436 for a six-month policy.