Cheapest Car Insurance Quotes in Clearfield

Finding the cheapest car insurance quotes in Clearfield 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Clearfield 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 Clearfield

The car insurance rate in Clearfield is $876 for a six-month policy, which is $121 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $427, making it a popular choice for budget-conscious drivers. Rates in Clearfield 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 Clearfield

$876

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Clearfield

1st place: West Bend Mutual

At $427 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $483 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $510 for six months, making it the third cheapest auto insurance company in Clearfield.

Clearfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clearfield, IA is West Bend Mutual, offering policies at just $427 for a six-month term. This is followed by Grange, which has an average six-month premium of $483.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1392 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clearfield drivers find the best deals.

Cheap Car Insurance Companies in Clearfield, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$427	$71
Grange	$483	$82
Travelers	$510	$86
Auto-Owners Insurance Co	$517	$88
Hastings Mutual	$530	$88
Westfield	$565	$96
IMT Insurance Company	$586	$97
American Family	$621	$104
State Farm	$764	$129
Pekin	$778	$132
Progressive	$785	$132
USAA	$792	$133
West Bend	$902	$151
Farm Bureau Mutual (IA Group)	$958	$162
IMT	$1034	$173
Auto-Owners	$1172	$200
Farm Bureau	$1322	$220
Allstate	$1654	$278
Nationwide	$1737	$289
Grinnell Mutual	$1392	$232

Key Takeaways

Way's key takeaways about car insurance in Clearfield

The auto insurance costs in Clearfield fall around $427 for six months.
The cheapest auto insurance company in Clearfield is Pekin.
Teen drivers pay the highest rate in Clearfield at $532 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 Clearfield

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 Clearfield are given below.

Pekin provides the cheapest minimum car insurance coverage in Clearfield. Their Average 6 Month Premium is $117. Grinnell Mutual is the most expensive at $310 for the same period.

Cheapest Liability Coverage in Clearfield, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$117	$20
Westfield	$124	$21
Hastings Mutual	$131	$22
Progressive	$131	$22
West Bend Mutual	$138	$23
Grange	$152	$26
USAA	$159	$27
Farm Bureau Mutual (IA Group)	$166	$28
Auto-Owners Insurance Co	$173	$29
State Farm	$173	$29
Iowa Farm Bureau	$186	$31
IMT	$193	$32
Travelers	$193	$32
Farm Bureau	$220	$37
West Bend	$220	$37
American Family	$227	$38
Auto-Owners	$241	$41
Allstate	$455	$77
Nationwide	$544	$93
Grinnell Mutual	$310	$52

Cheapest Full Coverage Car Insurance in Clearfield

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 Clearfield is West Bend Mutual at $71 per month and $427 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clearfield, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$427	$71
Grange	$483	$82
Travelers	$510	$86
Auto-Owners Insurance Co	$517	$88
Hastings Mutual	$530	$88
Westfield	$565	$96
IMT Insurance Company	$586	$97
American Family	$621	$104
State Farm	$764	$129
Pekin	$778	$132
Progressive	$785	$132
USAA	$792	$133
West Bend	$902	$151
Farm Bureau Mutual (IA Group)	$958	$162
IMT	$1034	$173
Auto-Owners	$1172	$200
Farm Bureau	$1322	$220
Allstate	$1654	$278
Nationwide	$1737	$289
Grinnell Mutual	$1392	$232

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Clearfield Instantly!

Average Car Insurance in Clearfield 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 Clearfield, IA increasing?

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

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

Car Insurance Premiums by Age in Clearfield

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Clearfield,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Clearfield at $26 per month. At $3129 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$152	$26
Grange	$173	$29
West Bend Mutual	$186	$31
Iowa Farm Bureau	$213	$36
Travelers	$724	$122
American Family	$1027	$173
USAA	$1296	$218
Progressive	$1544	$260
State Farm	$1812	$305
IMT	$1875	$312
Farm Bureau Mutual (IA Group)	$2584	$440
West Bend	$2770	$462
Farm Bureau	$2825	$480
Auto-Owners	$2922	$487
Allstate	$3535	$595
Nationwide	$5505	$918
Grinnell Mutual	$3129	$532

Teen Car Insurance Rates in IA by Age

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 Clearfield, Grange is the cheapest car insurance provider. At $200 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 Clearfield is Grinnell Mutual, offering rates of around $2446 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$200	$34
Westfield	$241	$41
West Bend Mutual	$248	$42
Travelers	$269	$45
American Family	$276	$46
Progressive	$764	$129
IMT	$1371	$229
USAA	$1460	$248
West Bend	$1605	$268
Farm Bureau	$2281	$387
State Farm	$2384	$401
Nationwide	$2473	$421
Allstate	$2597	$433
Auto-Owners	$3004	$510
Grinnell Mutual	$2446	$416

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Clearfield

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 Clearfield, IA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Clearfield include Hastings Mutual and Pekin, offering $131 and $159, respectively. Nationwide is an expensive provider with an average six-month premium of $2798.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$131	$22
Pekin	$159	$27
Western National	$206	$35
Westfield	$206	$35
Grange	$234	$39
Auto-Owners Insurance Co	$241	$41
West Bend Mutual	$241	$41
Grinnell Mutual	$255	$43
Travelers	$517	$87
State Farm	$579	$97
American Family	$661	$111
Progressive	$792	$133
USAA	$1130	$190
Farm Bureau Mutual (IA Group)	$1413	$240
Auto-Owners	$1516	$253
West Bend	$1516	$258
IMT	$1619	$270
Farm Bureau	$2149	$365
Allstate	$2281	$384
Nationwide	$2798	$476

Clearfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clearfield IA. For example, the car insurance in Clearfield after a DUI increases to $826 for a six month policy. While the rate increases by $117 for a six-month policy in the case of a speeding ticket.

Clearfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$972	$162
One Med/PIP claim	$985	$167
Not-at-fault accident	$1013	$169
One comp claim	$1041	$177
Two Med/PIP claims	$1068	$177
Child safety restraint	$1089	$186
Failure to show documents	$1089	$181
Failure to wear a seat belt	$1089	$186
Speeding 6 - 10 MPH over limit	$1089	$181
Two comp claims	$1089	$186
Driving without lights	$1095	$182
Driving with expired registration	$1123	$191
Failure to yield	$1123	$187
Illegal turn	$1123	$191
Failure to stop at a red light	$1130	$188
Wrong way/wrong lane	$1137	$194
Cell phone violation	$1144	$190
Driving too slowly	$1144	$195
Speeding 11 - 15 MPH over limit	$1144	$190
Texting while driving	$1144	$195
Speeding 16 - 20 MPH over limit	$1151	$191
Speeding in school zone	$1165	$198
Improper passing	$1172	$195
Following too closely	$1179	$201
At-fault accident - less than $1000	$1199	$200
Passing school bus	$1219	$208
Operating a vehicle without permission	$1282	$213
At-fault accident - $1000-$2000	$1303	$222
Speeding 21 - 25 MPH over limit	$1303	$217
At-fault accident - greater than $2000	$1310	$223
In 65 MPH zone	$1399	$233
Open container	$1474	$251
Racing	$1661	$277
Driving with a suspended license	$1695	$288
Reckless driving	$1737	$289
Refusal to submit to a chemical test	$1764	$300
DUI	$1798	$299
Leaving scene of an accident/hit and run	$1819	$310

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Clearfield 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 Clearfield.

The cheapest car insurance premiums in Clearfield are offered by American Family at $200 for a six-month policy. However, it can be as expensive as $2695 with companies like Grinnell Mutual.

Clearfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$200	$34
Western National	$206	$35
Grange	$269	$45
Travelers	$269	$45
West Bend Mutual	$269	$45
Progressive	$745	$125
IMT	$1371	$229
USAA	$1460	$248
West Bend	$1605	$268
Farm Bureau	$2281	$387
State Farm	$2294	$386
Nationwide	$2473	$421
Allstate	$2597	$433
Auto-Owners	$3004	$510
Grinnell Mutual	$2695	$458

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 Clearfield are offered by Westfield at $152. However, it can be as expensive as $1392 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Clearfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$152	$26
West Bend Mutual	$179	$30
American Family	$200	$34
Western National	$206	$35
Iowa Farm Bureau	$227	$38
Travelers	$227	$38
Grange	$234	$39
State Farm	$544	$92
Progressive	$682	$115
USAA	$1054	$175
IMT	$1440	$245
Farm Bureau	$1619	$270
West Bend	$1819	$310
Allstate	$1901	$317
Auto-Owners	$1992	$339
Nationwide	$2191	$365
Grinnell Mutual	$1392	$237

Car Insurance Price Trends in Clearfield, Iowa

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

The average cost of full coverage in the Clearfield rose by $179 in January compared to $162 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Clearfield remained steady at $34 in both January and December, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Clearfield?

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

What is the cheapest car insurance in Clearfield?

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

How much is car insurance in Clearfield for teenagers?

Car insurance for teenagers costs $152 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 Clearfield?

The average cost of car insurance is $755 for a six-month policy. It will cost around $146 per month to insure your car in Clearfield.

Is car insurance expensive in Clearfield?

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

Cheapest Car Insurance Quotes in Clearfield

Why you can trust Way?

How Much Is Car Insurance in Clearfield

Avg. Car Insurance in Clearfield

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Clearfield

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Clearfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Clearfield, IA

Way's key takeaways about car insurance in Clearfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clearfield

Cheapest Liability Coverage in Clearfield, IA

Cheapest Full Coverage Car Insurance in Clearfield

Cheapest Full Coverage Car Insurance Quotes in Clearfield, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clearfield by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Clearfield, IA increasing?

Car Insurance Premiums by Age in Clearfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clearfield,IA

If you are in your twenties N/A is the best choice for car insurance in Clearfield.

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 Clearfield

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

Clearfield Car Insurance Rates by Violation

Clearfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clearfield after a DUI

Clearfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clearfield after Speeding ticket

Car Insurance Price Trends in Clearfield, Iowa

Average Car Insurance Cost in Clearfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clearfield, IA

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

Featured Blogs

Data Sources