Cheapest Car Insurance Quotes in Clarks Hill

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Clarks Hill Car Insurance

^$ 20

/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 Clarks Hill

The car insurance rate in Clarks Hill is $620 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $376, making it a popular choice for budget-conscious drivers. Rates in Clarks Hill 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 Clarks Hill

$620

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Clarks Hill

1st place: AutoOwners Insurance Co

At $376 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $381 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $475 for six months, making it the third cheapest auto insurance company in Clarks Hill.

Clarks Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clarks Hill, IN is AutoOwners Insurance Co, offering policies at just $376 for a six-month term. This is followed by Westfield, which has an average six-month premium of $381.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1149 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clarks Hill drivers find the best deals.

Cheap Car Insurance Companies in Clarks Hill, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$376	$62
Westfield	$381	$65
Nationwide	$475	$80
American Family	$492	$83
USAA	$525	$88
Hastings Mutual	$530	$89
Travelers	$586	$99
Hastings Insurance	$597	$101
Progressive	$613	$103
Auto-Owners	$635	$107
State Farm	$851	$143
Farm Bureau	$857	$146
Allstate	$1149	$193

Key Takeaways

Way's key takeaways about car insurance in Clarks Hill

The auto insurance costs in Clarks Hill fall around $376 for six months.
The cheapest auto insurance company in Clarks Hill is Westfield.
Teen drivers pay the highest rate in Clarks Hill at $511 per month.

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Cheapest Minimum Liability Car Insurance in Clarks Hill

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 Clarks Hill are given below.

Westfield provides the cheapest minimum car insurance coverage in Clarks Hill. Their Average 6 Month Premium is $116. Farmers is the most expensive at $210 for the same period.

Cheapest Liability Coverage in Clarks Hill, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$116	$20
USAA	$149	$25
Auto-Owners Insurance Co	$154	$26
Hastings Mutual	$166	$28
Indiana Farmers	$171	$29
American Family	$188	$32
Auto-Owners	$188	$32
Progressive	$199	$33
Grange	$205	$34
Travelers	$210	$35
SafeAuto	$227	$38
State Farm	$243	$41
Farm Bureau	$276	$47
Allstate	$453	$76
Farmers	$210	$35

Cheapest Full Coverage Car Insurance in Clarks Hill

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 Clarks Hill is AutoOwners Insurance Co at $62 per month and $376 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clarks Hill, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$376	$62
Westfield	$381	$65
Nationwide	$475	$80
American Family	$492	$83
USAA	$525	$88
Hastings Mutual	$530	$89
Travelers	$586	$99
Hastings Insurance	$597	$101
Progressive	$613	$103
Auto-Owners	$635	$107
State Farm	$851	$143
Farm Bureau	$857	$146
Allstate	$1149	$193

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Average Car Insurance in Clarks Hill 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 Clarks Hill, IN increasing?

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

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

Car Insurance Premiums by Age in Clarks Hill

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	$399
40s	USAA	$374
50s	USAA	$353
60s	USAA	$368
70s	Buckeye Insurance Group	$393

Cheapest Car Insurance Rates for Teen Drivers in Clarks Hill,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Clarks Hill at $23 per month. At $3005 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
Auto-Owners Insurance Co	$199	$33
Grange	$216	$36
USAA	$442	$74
Travelers	$669	$113
Progressive	$774	$130
American Family	$1348	$227
Auto-Owners	$1796	$299
State Farm	$1867	$317
Allstate	$2221	$370
Farm Bureau	$3005	$511

Teen Car Insurance Rates in IN by Age

Way Tip

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

As young drivers face the highest rates in Clarks Hill, USAA offers the cheapest auto insurance rates at $399 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 Clarks Hill, Westfield is the cheapest car insurance provider. At $221 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 Clarks Hill is State Farm, offering rates of around $2713 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$221	$37
Nationwide	$259	$44
Grange	$276	$47
Travelers	$613	$103
Progressive	$646	$109
USAA	$707	$120
American Family	$757	$127
Allstate	$917	$154
Farm Bureau	$1746	$291
Auto-Owners	$1884	$320
State Farm	$2713	$452

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Car Insurance Rates with An Accident in Clarks Hill

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 Clarks Hill, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Clarks Hill

The cheapest car insurance companies after an at-fault accident in Clarks Hill include AutoOwners Insurance Co and Indiana Farmers, offering $216 and $221, respectively. Allstate is an expensive provider with an average six-month premium of $1828.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$216	$36
Indiana Farmers	$221	$37
Grange	$243	$41
Farmers	$282	$48
USAA	$376	$63
Travelers	$436	$73
Auto-Owners	$447	$75
Progressive	$481	$81
State Farm	$513	$86
American Family	$701	$118
Farm Bureau	$1276	$213
Allstate	$1828	$311

Clarks Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clarks Hill IN. For example, the car insurance in Clarks Hill after a DUI increases to $701 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Clarks Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$763	$127
One Med/PIP claim	$763	$129
Not-at-fault accident	$806	$135
Two Med/PIP claims	$817	$139
One comp claim	$823	$138
Failure to show documents	$862	$147
Failure to wear a seat belt	$868	$144
Two comp claims	$873	$149
Child safety restraint	$884	$147
Driving without lights	$884	$151
Driving with expired registration	$917	$153
Speeding 6 - 10 MPH over limit	$934	$159
Driving too slowly	$939	$156
Failure to yield	$939	$160
Following too closely	$939	$156
Illegal turn	$939	$160
Speeding in school zone	$939	$156
Cell phone violation	$945	$161
Speeding 11 - 15 MPH over limit	$945	$157
Texting while driving	$945	$161
Wrong way/wrong lane	$945	$157
Failure to stop at a red light	$950	$162
Improper passing	$956	$159
Speeding 16 - 20 MPH over limit	$956	$163
At-fault accident - less than $1000	$967	$161
Passing school bus	$983	$167
Speeding 21 - 25 MPH over limit	$1033	$172
At-fault accident - $1000-$2000	$1066	$181
In 65 MPH zone	$1083	$180
At-fault accident - greater than $2000	$1088	$185
Operating a vehicle without permission	$1165	$194
Open container	$1176	$200
Racing	$1430	$238
Reckless driving	$1436	$245
Refusal to submit to a chemical test	$1453	$242
DUI	$1464	$249
Leaving scene of an accident/hit and run	$1492	$248
Driving with a suspended license	$1503	$256

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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 Clarks Hill 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 Clarks Hill.

The cheapest car insurance premiums in Clarks Hill are offered by Grange at $342 for a six-month policy. However, it can be as expensive as $1746 with companies like Hastings Mutual.

Clarks Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$342	$57
Travelers	$458	$77
Progressive	$498	$84
USAA	$547	$92
American Family	$763	$128
State Farm	$889	$150
Farm Bureau	$1016	$171
Allstate	$1060	$179
Auto-Owners	$1430	$241
Hastings Mutual	$1746	$297

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 Clarks Hill are offered by Westfield at $143. However, it can be as expensive as $1430 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Clarks Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$143	$24
Auto-Owners Insurance Co	$199	$33
State Farm	$436	$73
Travelers	$475	$80
USAA	$486	$83
American Family	$498	$84
Progressive	$519	$87
Auto-Owners	$669	$112
Farm Bureau	$1028	$175
Allstate	$1430	$238

Car Insurance Price Trends in Clarks Hill, Indiana

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

The average cost of full coverage in the Clarks Hill remained steady at $125 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Clarks Hill remained steady at $36 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Clarks Hill?

The car insurance in Clarks Hill is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Clarks Hill?

The cheapest car insurance in Clarks Hill is $62 per month for full coverage.

How much is car insurance in Clarks Hill 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 Clarks Hill?

The average cost of car insurance is $667 for a six-month policy. It will cost around $104 per month to insure your car in Clarks Hill.

Is car insurance expensive in Clarks Hill?

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

Cheapest Car Insurance Quotes in Clarks Hill

Why you can trust Way?

How Much Is Car Insurance in Clarks Hill

Avg. Car Insurance in Clarks Hill

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Clarks Hill

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Clarks Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Clarks Hill, IN

Way's key takeaways about car insurance in Clarks Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clarks Hill

Cheapest Liability Coverage in Clarks Hill, IN

Cheapest Full Coverage Car Insurance in Clarks Hill

Cheapest Full Coverage Car Insurance Quotes in Clarks Hill, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clarks Hill by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Clarks Hill, IN increasing?

Car Insurance Premiums by Age in Clarks Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clarks Hill,IN

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

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 Clarks Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Clarks Hill

Clarks Hill Car Insurance Rates by Violation

Clarks Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clarks Hill after a DUI

Clarks Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clarks Hill after Speeding ticket

Car Insurance Price Trends in Clarks Hill, Indiana

Average Car Insurance Cost in Clarks Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clarks Hill, IN

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

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