Cheapest Car Insurance Quotes in Clay City

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Clay City Car Insurance

^$ 22

/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 Clay City

The car insurance rate in Clay City is $707 for a six-month policy, which is $40 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Clay City 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 Clay City

$707

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Clay City

1st place: AutoOwners Insurance Co

At $428 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 $435 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $542 for six months, making it the third cheapest auto insurance company in Clay City.

Clay City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clay City, IN is AutoOwners Insurance Co, offering policies at just $428 for a six-month term. This is followed by Westfield, which has an average six-month premium of $435.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1310 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clay City drivers find the best deals.

Cheap Car Insurance Companies in Clay City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$428	$71
Westfield	$435	$74
Nationwide	$542	$91
American Family	$561	$94
USAA	$598	$101
Hastings Mutual	$604	$102
Travelers	$668	$112
Hastings Insurance	$681	$116
Progressive	$699	$118
Auto-Owners	$724	$122
State Farm	$970	$163
Farm Bureau	$976	$166
Allstate	$1310	$220

Key Takeaways

Way's key takeaways about car insurance in Clay City

The auto insurance costs in Clay City fall around $428 for six months.
The cheapest auto insurance company in Clay City is Westfield.
Teen drivers pay the highest rate in Clay City at $582 per month.

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Cheapest Minimum Liability Car Insurance in Clay City

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 Clay City are given below.

Westfield provides the cheapest minimum car insurance coverage in Clay City. Their Average 6 Month Premium is $133. Farmers is the most expensive at $240 for the same period.

Cheapest Liability Coverage in Clay City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$133	$22
USAA	$170	$29
Auto-Owners Insurance Co	$176	$30
Hastings Mutual	$189	$32
Indiana Farmers	$195	$33
American Family	$214	$36
Auto-Owners	$214	$36
Progressive	$227	$38
Grange	$233	$39
Travelers	$240	$40
SafeAuto	$259	$43
State Farm	$277	$47
Farm Bureau	$315	$54
Allstate	$516	$87
Farmers	$240	$40

Cheapest Full Coverage Car Insurance in Clay City

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 Clay City is AutoOwners Insurance Co at $71 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clay City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$428	$71
Westfield	$435	$74
Nationwide	$542	$91
American Family	$561	$94
USAA	$598	$101
Hastings Mutual	$604	$102
Travelers	$668	$112
Hastings Insurance	$681	$116
Progressive	$699	$118
Auto-Owners	$724	$122
State Farm	$970	$163
Farm Bureau	$976	$166
Allstate	$1310	$220

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Average Car Insurance in Clay City 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 Clay City, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Clay City, 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, Clay City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Clay City

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	$455
40s	USAA	$426
50s	USAA	$403
60s	USAA	$420
70s	Buckeye Insurance Group	$448

Cheapest Car Insurance Rates for Teen Drivers in Clay City,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Clay City at $27 per month. At $3425 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$27
Auto-Owners Insurance Co	$227	$38
Grange	$246	$41
USAA	$504	$85
Travelers	$762	$128
Progressive	$882	$148
American Family	$1536	$259
Auto-Owners	$2047	$341
State Farm	$2128	$361
Allstate	$2531	$422
Farm Bureau	$3425	$582

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 Clay City.

As young drivers face the highest rates in Clay City, USAA offers the cheapest auto insurance rates at $455 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 Clay City, Westfield is the cheapest car insurance provider. At $252 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 Clay City is State Farm, offering rates of around $3092 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$252	$42
Nationwide	$296	$50
Grange	$315	$53
Travelers	$699	$118
Progressive	$737	$124
USAA	$806	$137
American Family	$863	$145
Allstate	$1045	$176
Farm Bureau	$1990	$332
Auto-Owners	$2148	$365
State Farm	$3092	$515

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Save up to $971/yr on car insurance rates in Clay City.

Car Insurance Rates with An Accident in Clay City

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 Clay City, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Clay City

The cheapest car insurance companies after an at-fault accident in Clay City include AutoOwners Insurance Co and Indiana Farmers, offering $246 and $252, respectively. Allstate is an expensive provider with an average six-month premium of $2084.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$246	$41
Indiana Farmers	$252	$42
Grange	$277	$47
Farmers	$321	$55
USAA	$428	$72
Travelers	$497	$84
Auto-Owners	$510	$86
Progressive	$548	$92
State Farm	$585	$99
American Family	$799	$135
Farm Bureau	$1454	$243
Allstate	$2084	$354

Clay City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clay City IN. For example, the car insurance in Clay City after a DUI increases to $799 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Clay City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$869	$145
One Med/PIP claim	$869	$147
Not-at-fault accident	$919	$154
Two Med/PIP claims	$932	$158
One comp claim	$938	$157
Failure to show documents	$983	$167
Failure to wear a seat belt	$989	$164
Two comp claims	$995	$170
Child safety restraint	$1007	$167
Driving without lights	$1007	$172
Driving with expired registration	$1045	$174
Speeding 6 - 10 MPH over limit	$1064	$181
Driving too slowly	$1071	$178
Failure to yield	$1071	$182
Following too closely	$1071	$178
Illegal turn	$1071	$182
Speeding in school zone	$1071	$178
Cell phone violation	$1077	$183
Speeding 11 - 15 MPH over limit	$1077	$179
Texting while driving	$1077	$183
Wrong way/wrong lane	$1077	$179
Failure to stop at a red light	$1083	$184
Improper passing	$1090	$181
Speeding 16 - 20 MPH over limit	$1090	$186
At-fault accident - less than $1000	$1102	$183
Passing school bus	$1120	$191
Speeding 21 - 25 MPH over limit	$1178	$196
At-fault accident - $1000-$2000	$1215	$207
In 65 MPH zone	$1234	$206
At-fault accident - greater than $2000	$1240	$211
Operating a vehicle without permission	$1328	$222
Open container	$1341	$228
Racing	$1630	$271
Reckless driving	$1637	$279
Refusal to submit to a chemical test	$1656	$276
DUI	$1668	$284
Leaving scene of an accident/hit and run	$1700	$283
Driving with a suspended license	$1713	$292

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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 Clay City 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 Clay City.

The cheapest car insurance premiums in Clay City are offered by Grange at $390 for a six-month policy. However, it can be as expensive as $1990 with companies like Hastings Mutual.

Clay City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$390	$65
Travelers	$523	$88
Progressive	$567	$95
USAA	$623	$105
American Family	$869	$146
State Farm	$1013	$171
Farm Bureau	$1159	$195
Allstate	$1208	$204
Auto-Owners	$1630	$275
Hastings Mutual	$1990	$338

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 Clay City are offered by Westfield at $163. However, it can be as expensive as $1630 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Clay City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$28
Auto-Owners Insurance Co	$227	$38
State Farm	$497	$84
Travelers	$542	$91
USAA	$554	$94
American Family	$567	$95
Progressive	$591	$100
Auto-Owners	$762	$127
Farm Bureau	$1171	$199
Allstate	$1630	$271

Car Insurance Price Trends in Clay City, Indiana

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

The average cost of full coverage in the Clay City remained steady at $142 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Clay City remained steady at $41 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 Clay City?

The car insurance in Clay City is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Clay City?

The cheapest car insurance in Clay City is $71 per month for full coverage.

How much is car insurance in Clay City for teenagers?

Car insurance for teenagers costs $158 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 Clay City?

The average cost of car insurance is $667 for a six-month policy. It will cost around $119 per month to insure your car in Clay City.

Is car insurance expensive in Clay City?

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

Cheapest Car Insurance Quotes in Clay City

Why you can trust Way?

How Much Is Car Insurance in Clay City

Avg. Car Insurance in Clay City

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Clay City

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Clay City Car Insurance Rates by Company

Cheap Car Insurance Companies in Clay City, IN

Way's key takeaways about car insurance in Clay City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clay City

Cheapest Liability Coverage in Clay City, IN

Cheapest Full Coverage Car Insurance in Clay City

Cheapest Full Coverage Car Insurance Quotes in Clay City, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clay City by Rating Factor

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

Car Insurance Premiums by Age in Clay City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clay City,IN

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

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 Clay City

Cheapest Car Insurance Companies after an At-Fault Accident in Clay City

Clay City Car Insurance Rates by Violation

Clay City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clay City after a DUI

Clay City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clay City after Speeding ticket

Car Insurance Price Trends in Clay City, Indiana

Average Car Insurance Cost in Clay City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clay City, IN

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

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