Cheapest Car Insurance Quotes in Clayton

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406,175 Policies Sold

Clayton Car Insurance

^$ 34

/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 Clayton

The car insurance rate in Clayton is $1487 for a six-month policy, which is $203 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $429, making it a popular choice for budget-conscious drivers. Rates in Clayton 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 Clayton

$1487

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Clayton

1st place: Louisiana Farm Bureau

At $429 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $972 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1291 for six months, making it the third cheapest auto insurance company in Clayton.

Clayton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clayton, LA is Louisiana Farm Bureau, offering policies at just $429 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $972.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2086 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clayton drivers find the best deals.

Cheap Car Insurance Companies in Clayton, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$429	$73
Southern Farm Bureau	$972	$162
USAA	$1291	$217
Progressive	$1453	$245
Farm Bureau	$1516	$255
State Farm	$1600	$269
Safeway	$1636	$275
SafeAuto	$1662	$277
Encompass	$1699	$289
Allstate	$2023	$341
AAA	$2086	$355

Key Takeaways

Way's key takeaways about car insurance in Clayton

The auto insurance costs in Clayton fall around $429 for six months.
The cheapest auto insurance company in Clayton is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Clayton at $1053 per month.

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Cheapest Minimum Liability Car Insurance in Clayton

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 Clayton are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Clayton. Their Average 6 Month Premium is $204. Safeway is the most expensive at $638 for the same period.

Cheapest Liability Coverage in Clayton, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$204	$34
Southern Farm Bureau	$340	$58
USAA	$429	$72
Progressive	$439	$74
State Farm	$460	$77
Farm Bureau	$528	$89
AAA	$544	$91
Allstate	$549	$92
SafeAuto	$596	$99
Safeway	$638	$107

Cheapest Full Coverage Car Insurance in Clayton

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 Clayton is Louisiana Farm Bureau at $73 per month and $429 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clayton, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$429	$73
Southern Farm Bureau	$972	$162
USAA	$1291	$217
Progressive	$1453	$245
Farm Bureau	$1516	$255
State Farm	$1600	$269
Safeway	$1636	$275
SafeAuto	$1662	$277
Encompass	$1699	$289
Allstate	$2023	$341
AAA	$2086	$355

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Average Car Insurance in Clayton 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 Clayton, LA increasing?

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

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

Car Insurance Premiums by Age in Clayton

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	$878
30s	USAA	$713
40s	USAA	$656
50s	USAA	$627
60s	USAA	$670
70s	USAA	$686

Cheapest Car Insurance Rates for Teen Drivers in Clayton,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the Clayton at $55 per month. At $6194 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$334	$55
State Farm	$2546	$429
USAA	$2718	$453
Safeway	$4155	$707
Allstate	$4621	$770
Progressive	$4799	$808
Farm Bureau	$5437	$906
AAA	$6194	$1053

Teen Car Insurance Rates in LA by Age

Way Tip

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

As young drivers face the highest rates in Clayton, USAA offers the cheapest auto insurance rates at $878 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 Clayton, Louisiana Farm Bureau is the cheapest car insurance provider. At $366 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 Clayton is State Farm, offering rates of around $8144 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$366	$62
Allstate	$1558	$260
Progressive	$1746	$294
USAA	$1772	$296
Safeway	$1778	$302
Farm Bureau	$3371	$562
AAA	$5917	$1006
State Farm	$8144	$1357

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Car Insurance Rates with An Accident in Clayton

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 Clayton, LA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Clayton include Louisiana Farm Bureau and State Farm, offering $267 and $1045, respectively. AAA is an expensive provider with an average six-month premium of $3340.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$267	$44
State Farm	$1045	$176
USAA	$1177	$198
Progressive	$1291	$217
Safeway	$1506	$253
Farm Bureau	$1631	$277
Allstate	$1657	$279
AAA	$3340	$568

Clayton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clayton LA. For example, the car insurance in Clayton after a DUI increases to $1245 for a six month policy. While the rate increases by $361 for a six-month policy in the case of a speeding ticket.

Clayton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1442	$240
One Med/PIP claim	$1442	$246
Two Med/PIP claims	$1458	$243
Not-at-fault accident	$1463	$249
One comp claim	$1469	$245
Two comp claims	$1522	$259
Failure to wear a seat belt	$1699	$283
Failure to show documents	$1720	$292
Child safety restraint	$1746	$291
Driving without lights	$1746	$297
Driving with expired registration	$1778	$297
Driving too slowly	$1803	$306
Speeding 11 - 15 MPH over limit	$1803	$301
Speeding 16 - 20 MPH over limit	$1803	$306
Speeding 6 - 10 MPH over limit	$1803	$301
Speeding in school zone	$1803	$306
In 65 MPH zone	$1808	$302
Cell phone violation	$1824	$310
Texting while driving	$1824	$304
Wrong way/wrong lane	$1824	$310
At-fault accident - less than $1000	$1835	$305
Failure to stop at a red light	$1835	$312
Failure to yield	$1835	$305
Following too closely	$1835	$312
Illegal turn	$1835	$305
Improper passing	$1835	$312
Passing school bus	$1851	$308
Speeding 21 - 25 MPH over limit	$1851	$315
Open container	$1903	$317
Operating a vehicle without permission	$2034	$346
At-fault accident - $1000-$2000	$2086	$348
At-fault accident - greater than $2000	$2086	$355
Reckless driving	$2519	$420
Refusal to submit to a chemical test	$2562	$436
DUI	$2687	$448
Racing	$2708	$460
Leaving scene of an accident/hit and run	$2729	$455
Driving with a suspended license	$2739	$466

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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 Clayton 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 Clayton.

The cheapest car insurance premiums in Clayton are offered by Louisiana Farm Bureau at $293 for a six-month policy. However, it can be as expensive as $3090 with companies like AAA.

Clayton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$293	$48
Southern Farm Bureau	$1207	$205
Progressive	$1474	$248
Farm Bureau	$1631	$277
USAA	$1991	$335
Safeway	$2059	$347
State Farm	$2295	$386
Allstate	$2519	$424
AAA	$3090	$515

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 Clayton are offered by Louisiana Farm Bureau at $240. However, it can be as expensive as $2901 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Clayton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$240	$40
State Farm	$1077	$181
Progressive	$1302	$219
USAA	$1412	$240
Farm Bureau	$1631	$272
Safeway	$1814	$308
Allstate	$2028	$338
AAA	$2901	$494

Car Insurance Price Trends in Clayton, Louisiana

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

The average cost of full coverage in the Clayton rose by $327 in January compared to $268 of December. In other words, there has been an increase by $59 when you compare January and December.

The average cost of liability insurance in the Clayton rose to $78 in January, compared to $75 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Clayton?

The car insurance in Clayton is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Clayton?

The cheapest car insurance in Clayton is $73 per month for full coverage.

How much is car insurance in Clayton for teenagers?

Car insurance for teenagers costs $334 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 Clayton?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $250 per month to insure your car in Clayton.

Is car insurance expensive in Clayton?

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

What is the best car insurance in Clayton, LA?

The best car insurance company in Clayton LA is Louisiana Farm Bureau, offering $429 for a six-month policy.