Cheapest Car Insurance Quotes in Clayton

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Clayton Car Insurance

^$ 33

/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 $1315 for a six-month policy, which is $151 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $564, 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

$1315

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Clayton

1st place: American Family

At $564 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $758 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $779 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, MO is American Family, offering policies at just $564 for a six-month term. This is followed by USAA, which has an average six-month premium of $758.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3215 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, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$564	$96
USAA	$758	$128
Travelers	$779	$131
Encompass	$1061	$176
Shelter	$1094	$184
State Farm	$1194	$201
Electric	$1235	$210
Farm Bureau	$1269	$211
Missouri Farm Bureau	$1349	$229
Progressive	$1397	$235
Allstate	$1497	$252
Nationwide	$1692	$281
Farmers	$3215	$547

Key Takeaways

Way's key takeaways about car insurance in Clayton

The auto insurance costs in Clayton fall around $564 for six months.
The cheapest auto insurance company in Clayton is USAA.
Teen drivers pay the highest rate in Clayton at $1755 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.

USAA provides the cheapest minimum car insurance coverage in Clayton. Their Average 6 Month Premium is $194. Farmers is the most expensive at $1155 for the same period.

Cheapest Liability Coverage in Clayton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$194	$33
Missouri Farm Bureau	$215	$36
Electric	$276	$46
Travelers	$281	$47
Farm Bureau	$288	$49
American Family	$302	$51
Encompass	$315	$53
Progressive	$322	$54
Shelter	$395	$67
State Farm	$423	$71
Nationwide	$678	$113
Allstate	$705	$119
Farmers	$1155	$192

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 American Family at $96 per month and $564 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clayton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$564	$96
USAA	$758	$128
Travelers	$779	$131
Encompass	$1061	$176
Shelter	$1094	$184
State Farm	$1194	$201
Electric	$1235	$210
Farm Bureau	$1269	$211
Missouri Farm Bureau	$1349	$229
Progressive	$1397	$235
Allstate	$1497	$252
Nationwide	$1692	$281
Farmers	$3215	$547

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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, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Clayton, Missouri, may be increasing due to several external factors. Missouri 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

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Cheapest Car Insurance Rates for Teen Drivers in Clayton,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Clayton at $47 per month. At $10532 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$281	$47
American Family	$322	$54
Travelers	$1222	$206
USAA	$1235	$208
Progressive	$2356	$397
State Farm	$2429	$409
Shelter	$2712	$457
Farm Bureau	$3296	$560
Allstate	$4283	$721
Nationwide	$5162	$878
Farmers	$10532	$1755

Teen Car Insurance Rates in MO 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 Clayton, Kemper is the cheapest car insurance provider. At $516 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 Farmers, offering rates of around $6538 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$516	$88
American Family	$550	$92
Nationwide	$637	$108
Travelers	$1027	$173
USAA	$1188	$202
Progressive	$1497	$252
Shelter	$1719	$289
Farm Bureau	$2135	$356
Allstate	$2504	$421
State Farm	$4531	$755
Farmers	$6538	$1112

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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, MO, 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 Missouri Farm Bureau and Electric, offering $235 and $336, respectively. Farmers is an expensive provider with an average six-month premium of $4584.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$235	$40
Electric	$336	$58
American Family	$370	$61
Encompass	$429	$73
USAA	$611	$103
Travelers	$692	$116
Progressive	$1014	$171
State Farm	$1054	$177
Shelter	$1181	$199
Farm Bureau	$1637	$278
Nationwide	$2504	$417
Allstate	$3041	$512
Farmers	$4584	$764

Clayton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clayton MO. For example, the car insurance in Clayton after a DUI increases to $913 for a six month policy. While the rate increases by $315 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	$1806	$301
One Med/PIP claim	$1806	$307
Not-at-fault accident	$1859	$310
One comp claim	$1872	$319
Two Med/PIP claims	$1872	$312
Two comp claims	$1993	$339
Failure to wear a seat belt	$2048	$341
Failure to show documents	$2054	$349
Child safety restraint	$2087	$348
Driving without lights	$2087	$355
Driving with expired registration	$2101	$350
Cell phone violation	$2114	$359
Driving too slowly	$2114	$353
Following too closely	$2114	$359
Speeding in school zone	$2114	$353
Failure to yield	$2121	$360
Speeding 11 - 15 MPH over limit	$2121	$354
Speeding 16 - 20 MPH over limit	$2121	$360
Speeding 6 - 10 MPH over limit	$2121	$354
Texting while driving	$2121	$360
Illegal turn	$2128	$355
Wrong way/wrong lane	$2128	$362
Failure to stop at a red light	$2135	$356
Improper passing	$2135	$363
Speeding 21 - 25 MPH over limit	$2135	$356
In 65 MPH zone	$2148	$365
Passing school bus	$2188	$365
Open container	$2255	$383
Operating a vehicle without permission	$2309	$385
At-fault accident - less than $1000	$2497	$425
At-fault accident - $1000-$2000	$2637	$440
At-fault accident - greater than $2000	$2637	$449
Refusal to submit to a chemical test	$2671	$445
DUI	$2719	$462
Driving with a suspended license	$2779	$463
Racing	$2846	$484
Leaving scene of an accident/hit and run	$2886	$481
Reckless driving	$2920	$496

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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 Missouri Farm Bureau at $281 for a six-month policy. However, it can be as expensive as $5879 with companies like Farmers.

Clayton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$281	$47
American Family	$363	$60
Kemper	$450	$77
Travelers	$725	$122
USAA	$927	$156
Progressive	$973	$164
Shelter	$1315	$221
State Farm	$1429	$241
Farm Bureau	$1544	$262
Allstate	$2491	$419
Nationwide	$3121	$531
Farmers	$5879	$980

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 American Family at $363. However, it can be as expensive as $4082 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Clayton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$363	$62
Travelers	$751	$127
USAA	$779	$132
Shelter	$866	$146
State Farm	$927	$156
Progressive	$1128	$190
Farm Bureau	$1309	$223
Allstate	$2262	$377
Farmers	$4082	$694

Car Insurance Price Trends in Clayton, Missouri

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 $252 in January compared to $147 of December. In other words, there has been an increase by $105 when you compare January and December.

The average cost of liability insurance in the Clayton rose to $63 in January, compared to $54 in December. This represents an increase of $9 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 $33 per month, which is lower than the national average.

What is the cheapest car insurance in Clayton?

The cheapest car insurance in Clayton is $96 per month for full coverage.

How much is car insurance in Clayton for teenagers?

Car insurance for teenagers costs $281 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 $1164 for a six-month policy. It will cost around $221 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.

Cheapest Car Insurance Quotes in Clayton

Why you can trust Way?

How Much Is Car Insurance in Clayton

Avg. Car Insurance in Clayton

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Clayton

1st place: American Family

2nd place: USAA

3rd place: Travelers

Clayton Car Insurance Rates by Company

Cheap Car Insurance Companies in Clayton, MO

Way's key takeaways about car insurance in Clayton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clayton

Cheapest Liability Coverage in Clayton, MO

Cheapest Full Coverage Car Insurance in Clayton

Cheapest Full Coverage Car Insurance Quotes in Clayton, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clayton by Rating Factor

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

Car Insurance Premiums by Age in Clayton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clayton,MO

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

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 Clayton

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

Clayton Car Insurance Rates by Violation

Clayton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clayton after a DUI

Clayton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clayton after Speeding ticket

Car Insurance Price Trends in Clayton, Missouri

Average Car Insurance Cost in Clayton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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