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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.
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 $858 for a six-month policy, which is $164 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $365, 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.
At $365 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 $399 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 $524
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, KY is AutoOwners Insurance Co, offering policies at just $365 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $399.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $998 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.
Way's key takeaways about car insurance in Clearfield
The auto insurance costs in Clearfield fall around $365 for six
months.
The cheapest auto insurance company in Clearfield is Cincinnati.
Teen drivers pay the highest rate in Clearfield at $1171 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.
Cincinnati provides
the cheapest minimum car insurance
coverage in Clearfield. Their Average 6 Month Premium is $125.
Allstate is the most
expensive at $874 for the same
period.
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 AutoOwners Insurance Co
at $62 per month and $365
for six months.
Cheapest Full Coverage Car Insurance Quotes in Clearfield,
KY
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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, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Clearfield, 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, 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
USAA
$831
30s
Auto-Owners
$630
40s
Auto-Owners
$616
50s
Auto-Owners
$588
60s
USAA
$612
70s
State Farm
$681
Cheapest Car Insurance Rates for Teen Drivers in
Clearfield,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Clearfield at $27
per
month. At $6955 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Clearfield.
As young drivers face the highest rates in Clearfield, USAA
offers the cheapest auto insurance rates at $831 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 Clearfield,
Cincinnati is
the cheapest car insurance provider. At $214 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 Allstate, offering
rates of around $4531 for six
months.
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, KY,
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 AutoOwners Insurance Co
and Electric, offering $255
and $255,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3667.
Here is a list of driving violations that can increase your car
insurance rates in Clearfield KY. For example, the car
insurance in Clearfield
after a DUI increases to $1043 for a six
month policy. While the rate increases by $265 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
$1217
$203
One Med/PIP claim
$1227
$208
Two Med/PIP claims
$1278
$213
Not-at-fault accident
$1312
$223
One comp claim
$1332
$222
Failure to wear a seat belt
$1347
$229
Failure to show documents
$1392
$232
Two comp claims
$1392
$237
Driving without lights
$1397
$233
Child safety restraint
$1412
$240
Cell phone violation
$1467
$244
Driving with expired registration
$1472
$250
Texting while driving
$1472
$245
Driving too slowly
$1482
$252
Failure to stop at a red light
$1482
$247
Failure to yield
$1482
$252
Speeding 6 - 10 MPH over limit
$1482
$247
Speeding in school zone
$1482
$252
Following too closely
$1487
$248
Illegal turn
$1487
$253
Speeding 11 - 15 MPH over limit
$1487
$248
Wrong way/wrong lane
$1487
$253
Improper passing
$1492
$249
Speeding 16 - 20 MPH over limit
$1492
$254
Speeding 21 - 25 MPH over limit
$1522
$254
In 65 MPH zone
$1532
$260
Passing school bus
$1557
$260
Open container
$1597
$271
At-fault accident - less than $1000
$1626
$271
Operating a vehicle without permission
$1746
$297
At-fault accident - $1000-$2000
$1767
$294
At-fault accident - greater than $2000
$1767
$301
Reckless driving
$2220
$370
Refusal to submit to a chemical test
$2250
$383
DUI
$2260
$376
Driving with a suspended license
$2265
$386
Racing
$2276
$379
Leaving scene of an accident/hit and run
$2300
$391
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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 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 Cincinnati at $334 for a six-month policy.
However, it can be as
expensive as $1901 with companies
like AutoOwners.
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 Cincinnati
at $150. However,
it can be as expensive as $2490
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Clearfield after Speeding ticket
Car Insurance Price Trends in Clearfield,
Kentucky
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
$186 in December
compared to $185 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Clearfield rose to $52 in December,
compared to $50 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Clearfield 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
Clearfield. At $1716 for a
six-month policy, insuring
your car at 40313 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 Clearfield?
The car insurance in Clearfield is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Clearfield?
The cheapest car insurance in Clearfield
is $62 per month
for full coverage.
How much is car insurance in Clearfield for teenagers?
Car insurance for teenagers costs $160 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 $1022 for a six-month
policy. It will cost around $144 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.
What is the best car insurance in Clearfield,
KY?
The best car insurance company in Clearfield
KY is
AutoOwners Insurance Co, offering $365 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Clearfield, KY
Car Insurance Rates by State in the USA (2025 Update)
Clearfield Car Insurance
