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 $910 for a six-month policy, which is $112 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, 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

$910

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Clay City

1st place: AutoOwners Insurance Co

At $386 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $423 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $555 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, KY is AutoOwners Insurance Co, offering policies at just $386 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $423.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1057 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, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$386	$66
Cincinnati	$423	$70
Kentucky Farm Bureau	$555	$93
Travelers	$724	$122
Farm Bureau	$746	$126
Shelter	$814	$137
Auto-Owners	$872	$149
Nationwide	$878	$148
USAA	$888	$150
State Farm	$989	$166
Electric	$1025	$174
Progressive	$1142	$192
Allstate	$2242	$377
Grange	$1057	$176

Key Takeaways

Way's key takeaways about car insurance in Clay City

The auto insurance costs in Clay City fall around $386 for six months.
The cheapest auto insurance company in Clay City is Cincinnati.
Teen drivers pay the highest rate in Clay City at $1241 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 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.

Cincinnati provides the cheapest minimum car insurance coverage in Clay City. Their Average 6 Month Premium is $133. Allstate is the most expensive at $926 for the same period.

Cheapest Liability Coverage in Clay City, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$133	$22
Auto-Owners Insurance Co	$180	$30
Kentucky Farm Bureau	$201	$34
Electric	$217	$36
Nationwide	$254	$43
USAA	$264	$45
Farm Bureau	$275	$46
Travelers	$286	$48
Westfield	$296	$49
State Farm	$307	$52
Progressive	$338	$57
Shelter	$360	$61
Auto-Owners	$397	$66
Allstate	$926	$156

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 $66 per month and $386 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clay City, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$386	$66
Cincinnati	$423	$70
Kentucky Farm Bureau	$555	$93
Travelers	$724	$122
Farm Bureau	$746	$126
Shelter	$814	$137
Auto-Owners	$872	$149
Nationwide	$878	$148
USAA	$888	$150
State Farm	$989	$166
Electric	$1025	$174
Progressive	$1142	$192
Allstate	$2242	$377
Grange	$1057	$176

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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, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Clay City, Kentucky, may be increasing due to several external factors. Kentucky 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
20s	USAA	$880
30s	Auto-Owners	$668
40s	Auto-Owners	$652
50s	Auto-Owners	$623
60s	USAA	$648
70s	State Farm	$722

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

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Clay City at $28 per month. At $7369 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$169	$28
Auto-Owners Insurance Co	$254	$43
Kentucky Farm Bureau	$846	$142
Travelers	$1142	$192
Farm Bureau	$1163	$196
USAA	$1338	$225
Shelter	$1676	$282
State Farm	$1897	$320
Auto-Owners	$2643	$441
Progressive	$3542	$596
Allstate	$7369	$1241

Teen Car Insurance Rates in KY 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 $880 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, Cincinnati is the cheapest car insurance provider. At $227 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 Allstate, offering rates of around $4801 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$227	$38
Nationwide	$338	$58
Travelers	$951	$160
Progressive	$1089	$183
USAA	$1750	$292
Farm Bureau	$2278	$387
Auto-Owners	$2527	$421
Shelter	$2591	$441
State Farm	$3442	$573
Allstate	$4801	$816

Escape the Trap of Rising Insurance Costs.

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, KY, 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 Electric, offering $270 and $270, respectively. Allstate is an expensive provider with an average six-month premium of $3886.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$270	$45
Electric	$270	$46
Cincinnati	$286	$47
Kentucky Farm Bureau	$392	$66
Farm Bureau	$555	$93
Travelers	$682	$115
State Farm	$708	$119
Shelter	$782	$132
USAA	$814	$137
Auto-Owners	$1200	$204
Progressive	$1343	$226
Allstate	$3886	$654

Clay City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clay City KY. For example, the car insurance in Clay City after a DUI increases to $1105 for a six month policy. While the rate increases by $280 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	$1290	$215
One Med/PIP claim	$1300	$221
Two Med/PIP claims	$1354	$225
Not-at-fault accident	$1390	$237
One comp claim	$1412	$235
Failure to wear a seat belt	$1428	$243
Failure to show documents	$1475	$246
Two comp claims	$1475	$251
Driving without lights	$1480	$247
Child safety restraint	$1496	$255
Cell phone violation	$1554	$259
Driving with expired registration	$1559	$265
Texting while driving	$1559	$260
Driving too slowly	$1570	$267
Failure to stop at a red light	$1570	$262
Failure to yield	$1570	$267
Speeding 6 - 10 MPH over limit	$1570	$262
Speeding in school zone	$1570	$267
Following too closely	$1575	$263
Illegal turn	$1575	$268
Speeding 11 - 15 MPH over limit	$1575	$263
Wrong way/wrong lane	$1575	$268
Improper passing	$1581	$263
Speeding 16 - 20 MPH over limit	$1581	$269
Speeding 21 - 25 MPH over limit	$1613	$269
In 65 MPH zone	$1623	$276
Passing school bus	$1649	$275
Open container	$1692	$287
At-fault accident - less than $1000	$1723	$287
Operating a vehicle without permission	$1850	$315
At-fault accident - $1000-$2000	$1872	$312
At-fault accident - greater than $2000	$1872	$319
Reckless driving	$2352	$392
Refusal to submit to a chemical test	$2384	$406
DUI	$2395	$399
Driving with a suspended license	$2400	$409
Racing	$2411	$401
Leaving scene of an accident/hit and run	$2437	$415

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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 Cincinnati at $354 for a six-month policy. However, it can be as expensive as $2014 with companies like AutoOwners.

Clay City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$354	$59
Kentucky Farm Bureau	$471	$80
Travelers	$635	$107
Progressive	$772	$130
Shelter	$777	$131
State Farm	$798	$134
USAA	$899	$151
Allstate	$1713	$288
Farm Bureau	$1739	$290
Auto-Owners	$2014	$343

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 Cincinnati at $158. However, it can be as expensive as $2638 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
Cincinnati	$158	$27
Kentucky Farm Bureau	$190	$32
Auto-Owners Insurance Co	$217	$36
State Farm	$597	$101
Travelers	$645	$109
Shelter	$692	$117
Farm Bureau	$746	$126
Progressive	$867	$146
Auto-Owners	$888	$151
USAA	$1068	$178
Allstate	$2638	$449

Car Insurance Price Trends in Clay City, Kentucky

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 rose by $198 in December compared to $196 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Clay City rose to $55 in December, compared to $53 in November. This represents an increase of $2 when comparing December and November.

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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 $66 per month for full coverage.

How much is car insurance in Clay City for teenagers?

Car insurance for teenagers costs $169 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 $1022 for a six-month policy. It will cost around $153 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 Kentucky

National Average

Cheapest Car Insurance Companies in Clay City

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Clay City Car Insurance Rates by Company

Cheap Car Insurance Companies in Clay City, KY

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, KY

Cheapest Full Coverage Car Insurance in Clay City

Cheapest Full Coverage Car Insurance Quotes in Clay City, KY

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, KY 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,KY

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, Kentucky

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, KY

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

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