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Finding the cheapest car insurance quotes in Clarkdale 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 Clarkdale
The car insurance rate in Clarkdale is $1400 for a six-month policy, which is $347 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $497, 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.
At $497 for a six
month policy, Country Financial offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto
insurance rates at $656 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Georgia Farm Bureau
Georgia Farm Bureau offers auto insurance
rates at $964
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, GA is Country Financial, offering policies at just $497 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $656.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2252 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.
Way's key takeaways about car insurance in Clarkdale
The auto insurance costs in Clarkdale fall around $497 for six
months.
The cheapest auto insurance company in Clarkdale is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Clarkdale at $1350 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 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.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Clarkdale. Their Average 6 Month Premium is $293.
State Farm is the most
expensive at $1035 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 Clarkdale is Country Financial
at $82 per month and $497
for six months.
Cheapest Full Coverage Car Insurance Quotes in Clarkdale,
GA
Get Your Car Insurance Quote in Clarkdale
Instantly!
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, GA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Clarkdale, Georgia, may be increasing due to several external factors.
Georgia 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
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Cheapest Car Insurance Rates for Teen Drivers in
Clarkdale,GA
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners Insurance Co provides the cheapest car
insurance in the Clarkdale at $69
per
month. At $8019 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Clarkdale.
As young drivers face the highest rates in Clarkdale, 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 Clarkdale,
Country Financial is
the cheapest car insurance provider. At $411 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 Allstate, offering
rates of around $3365 for six
months.
Save up to $971/yr on car insurance rates in Clarkdale.
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, GA,
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 AutoOwners Insurance Co
and Country Financial, offering $435
and $672,
respectively. State Farm is an expensive provider
with an average six-month premium of
$2757.
Here is a list of driving violations that can increase your car
insurance rates in Clarkdale GA. For example, the car
insurance in Clarkdale
after a DUI increases to $1438 for a six
month policy. While the rate increases by $451 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
$1690
$282
One Med/PIP claim
$1690
$287
One comp claim
$1698
$283
Two Med/PIP claims
$1698
$289
Not-at-fault accident
$1706
$285
Two comp claims
$1730
$294
Driving without lights
$2039
$339
Failure to wear a seat belt
$2039
$347
Child safety restraint
$2062
$343
Failure to show documents
$2062
$351
Cell phone violation
$2109
$351
Texting while driving
$2109
$359
Driving too slowly
$2141
$356
Speeding 6 - 10 MPH over limit
$2141
$364
Speeding in school zone
$2141
$356
Speeding 11 - 15 MPH over limit
$2149
$366
Driving with expired registration
$2157
$359
Failure to yield
$2157
$367
Following too closely
$2157
$359
Illegal turn
$2157
$367
Failure to stop at a red light
$2165
$360
Improper passing
$2165
$368
Speeding 16 - 20 MPH over limit
$2165
$360
Wrong way/wrong lane
$2165
$368
Speeding 21 - 25 MPH over limit
$2188
$364
Passing school bus
$2228
$379
In 65 MPH zone
$2236
$372
Open container
$2268
$386
At-fault accident - less than $1000
$2276
$379
Operating a vehicle without permission
$2306
$392
At-fault accident - $1000-$2000
$2480
$414
At-fault accident - greater than $2000
$2496
$424
Refusal to submit to a chemical test
$2923
$487
Reckless driving
$3010
$512
Racing
$3082
$513
Driving with a suspended license
$3090
$525
DUI
$3128
$521
Leaving scene of an accident/hit and run
$3208
$545
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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 $505 for a six-month policy.
However, it can be as
expensive as $2560 with companies
like State Farm.
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 $339. However,
it can be as expensive as $2276
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Clarkdale after Speeding ticket
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 dipped by
$285 in January
compared to $299 of December. In other words, there has been an decrease by $14 when you
compare January and December.
The average cost of liability insurance in the Clarkdale dipped to $94 in January,
compared to $96 in December.
This represents an decrease of $2
when comparing January and December.
Average Car Insurance Cost in Clarkdale by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Clarkdale. At $N/A for a
six-month policy, insuring
your car at N/A 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 Clarkdale?
The car insurance in Clarkdale is $49 per month, which is lower than the national average.
What is the cheapest car insurance in Clarkdale?
The cheapest car insurance in Clarkdale
is $82 per month
for full coverage.
How much is car insurance in Clarkdale for teenagers?
Car insurance for teenagers costs $419 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 $1053 for a six-month
policy. It will cost around $235 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,
GA?
The best car insurance company in Clarkdale
GA is
Country Financial, offering $497 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Clarkdale, GA
Car Insurance Rates by State in the USA (2025 Update)
Clarkdale Car Insurance
