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Finding the cheapest car insurance quotes in Clayton shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Clayton
The car insurance rate in Clayton is $1282 for a six-month policy, which is $82 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $760, making it a popular choice for budget-conscious drivers. Rates in Clayton 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.
At $760 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $972 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Cal Casualty
Cal Casualty offers auto insurance
rates at $1005
for six months, making it
the third cheapest auto insurance company in Clayton.
Clayton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Clayton, DE is Travelers, offering policies at just $760 for a six-month term. This is followed by USAA, which has an average six-month premium of $972.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2245 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clayton drivers find the best deals.
Way's key takeaways about car insurance in Clayton
The auto insurance costs in Clayton fall around $760 for six
months.
The cheapest auto insurance company in Clayton is Travelers.
Teen drivers pay the highest rate in Clayton at $1550 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Clayton
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 Clayton are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Clayton. Their Average 6 Month Premium is $296.
Encompass is the most
expensive at $553 for the same
period.
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 Clayton is Travelers
at $128 per month and $760
for six months.
Cheapest Full Coverage Car Insurance Quotes in Clayton,
DE
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Instantly!
Average Car Insurance in Clayton 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 Clayton, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Clayton, Delaware, may be increasing due to several external factors.
Delaware has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Clayton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Clayton
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
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Cheapest Car Insurance Rates for Teen Drivers in
Clayton,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Clayton at $356
per
month. At $9302 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Clayton.
As young drivers face the highest rates in Clayton, N/A
offers the cheapest auto insurance rates at $N/A 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 Clayton,
Progressive is
the cheapest car insurance provider. At $1267 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
Clayton is Sentry, offering
rates of around $4724 for six
months.
Save up to $971/yr on car insurance rates in Clayton.
Car Insurance Rates with An Accident in Clayton
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 Clayton, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Clayton
The cheapest car insurance companies after an at-fault accident in
Clayton include USAA
and California Casualty, offering $693
and $731,
respectively. Sentry is an expensive provider
with an average six-month premium of
$6254.
Here is a list of driving violations that can increase your car
insurance rates in Clayton DE. For example, the car
insurance in Clayton
after a DUI increases to $1027 for a six
month policy. While the rate increases by $262 for a six-month policy in the case of
a speeding ticket.
Clayton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1195
$199
One Med/PIP claim
$1195
$203
Two Med/PIP claims
$1223
$204
One comp claim
$1234
$210
Not-at-fault accident
$1257
$210
Two comp claims
$1267
$215
Failure to show documents
$1362
$227
Driving with expired registration
$1424
$243
Failure to wear a seat belt
$1424
$237
Child safety restraint
$1441
$245
Driving without lights
$1441
$240
Speeding 11 - 15 MPH over limit
$1457
$248
Speeding 6 - 10 MPH over limit
$1457
$243
Driving too slowly
$1468
$250
Speeding in school zone
$1468
$244
Cell phone violation
$1474
$251
Following too closely
$1474
$245
Speeding 16 - 20 MPH over limit
$1474
$251
Texting while driving
$1474
$245
At-fault accident - less than $1000
$1491
$254
Failure to stop at a red light
$1491
$248
Failure to yield
$1491
$254
Illegal turn
$1491
$248
Improper passing
$1491
$254
Wrong way/wrong lane
$1491
$248
Speeding 21 - 25 MPH over limit
$1508
$257
Passing school bus
$1530
$255
Open container
$1620
$275
At-fault accident - $1000-$2000
$1647
$274
At-fault accident - greater than $2000
$1664
$283
In 65 MPH zone
$1675
$279
Operating a vehicle without permission
$1709
$290
Reckless driving
$2155
$359
Refusal to submit to a chemical test
$2205
$375
Driving with a suspended license
$2217
$369
DUI
$2222
$378
Racing
$2250
$375
Leaving scene of an accident/hit and run
$2323
$395
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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 Clayton 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 Clayton.
The cheapest car insurance premiums in
Clayton are
offered by Progressive at $1229 for a six-month policy.
However, it can be as
expensive as $4841 with companies
like Sentry.
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 Clayton are offered by American Family
at $614. However,
it can be as expensive as $6907
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Clayton after Speeding ticket
Car insurance rates in Clayton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Clayton rose by
$378 in January
compared to $308 of December. In other words, there has been an increase by $70 when you
compare January and December.
The average cost of liability insurance in the Clayton dipped to $74 in January,
compared to $84 in December.
This represents an decrease of $10
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Clayton. At $2564 for a
six-month policy, insuring
your car at 19938 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Clayton?
The car insurance in Clayton is $50 per month, which is lower than the national average.
What is the cheapest car insurance in Clayton?
The cheapest car insurance in Clayton
is $128 per month
for full coverage.
How much is car insurance in Clayton for teenagers?
Car insurance for teenagers costs $2116 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
Clayton?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $215 per month to insure your
car in Clayton.
Is car insurance expensive in Clayton?
Car insurance can be expensive in Clayton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Clayton can be
affordable.
What is the best car insurance in Clayton,
DE?
The best car insurance company in Clayton
DE is
Travelers, offering $760 for a
six-month policy.
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