Cheapest Car Insurance Quotes in Clayton

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Clayton Car Insurance

^$ 23

/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 $779 for a six-month policy, which is $102 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $321, 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

$779

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Clayton

1st place: AAA

At $321 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $478 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $526 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, WI is AAA, offering policies at just $321 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $478.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $874 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, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$321	$54
West Bend Mutual	$478	$79
IMT Insurance Company	$526	$90
Auto-Owners Insurance Co	$532	$89
Chubb	$546	$93
Acuity	$588	$99
American Family	$595	$100
Travelers	$608	$102
Erie	$711	$120
USAA	$827	$139
Rockford Mutual	$867	$147
Nationwide	$936	$158
Rural Mutual	$964	$163
State Farm	$964	$162
Progressive	$1127	$190
Farmers	$1202	$200
Allstate	$1394	$235
Secura	$738	$123
Hastings Mutual	$874	$148

Key Takeaways

Way's key takeaways about car insurance in Clayton

The auto insurance costs in Clayton fall around $321 for six months.
The cheapest auto insurance company in Clayton is AAA.
Teen drivers pay the highest rate in Clayton at $735 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.

AAA provides the cheapest minimum car insurance coverage in Clayton. Their Average 6 Month Premium is $137. Secura is the most expensive at $184 for the same period.

Cheapest Liability Coverage in Clayton, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$137	$23
Rural Mutual	$151	$25
Western National	$164	$28
Erie	$184	$31
USAA	$198	$33
West Bend Mutual	$205	$35
Auto-Owners Insurance Co	$212	$36
Acuity	$218	$37
American Family	$225	$38
Travelers	$225	$38
Progressive	$232	$39
Chubb	$239	$40
State Farm	$260	$44
Farmers	$402	$69
Allstate	$532	$90
Secura	$184	$31

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 AAA at $54 per month and $321 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clayton, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$321	$54
West Bend Mutual	$478	$79
IMT Insurance Company	$526	$90
Auto-Owners Insurance Co	$532	$89
Chubb	$546	$93
Acuity	$588	$99
American Family	$595	$100
Travelers	$608	$102
Erie	$711	$120
USAA	$827	$139
Rockford Mutual	$867	$147
Nationwide	$936	$158
Rural Mutual	$964	$163
State Farm	$964	$162
Progressive	$1127	$190
Farmers	$1202	$200
Allstate	$1394	$235
Secura	$738	$123
Hastings Mutual	$874	$148

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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, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Clayton, Wisconsin, may be increasing due to several external factors. Wisconsin 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	$551
30s	USAA	$443
40s	USAA	$401
50s	USAA	$381
60s	USAA	$397
70s	USAA	$489

Cheapest Car Insurance Rates for Teen Drivers in Clayton,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Clayton at $38 per month. At $4406 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$225	$38
Travelers	$232	$39
Auto-Owners Insurance Co	$267	$45
Western National	$267	$45
West Bend Mutual	$300	$51
USAA	$990	$167
Erie	$1018	$171
American Family	$1229	$207
Acuity	$1872	$315
State Farm	$2159	$363
Progressive	$3115	$524
Allstate	$4106	$691
Farmers	$4406	$735

Teen Car Insurance Rates in WI 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 $551 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, Western National is the cheapest car insurance provider. At $171 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 Allstate, offering rates of around $2117 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$171	$29
AAA	$191	$32
West Bend Mutual	$246	$41
Chubb	$274	$46
IMT Insurance Company	$274	$46
Travelers	$321	$54
Acuity	$676	$114
American Family	$779	$131
State Farm	$834	$139
Erie	$902	$152
Progressive	$1052	$177
Allstate	$2117	$360

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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, WI, 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 Western National and Rural Mutual, offering $171 and $198, respectively. Allstate is an expensive provider with an average six-month premium of $2077.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$171	$29
Rural Mutual	$198	$33
Auto-Owners Insurance Co	$260	$44
AAA	$267	$45
Chubb	$274	$46
Travelers	$274	$46
West Bend	$286	$48
West Bend Mutual	$342	$59
Auto-Owners	$355	$59
Erie	$546	$92
USAA	$546	$92
American Family	$827	$139
Acuity	$867	$146
State Farm	$874	$147
Farmers	$1653	$276
Progressive	$1838	$309
Allstate	$2077	$350

Clayton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clayton WI. For example, the car insurance in Clayton after a DUI increases to $909 for a six month policy. While the rate increases by $199 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	$976	$163
One Med/PIP claim	$983	$167
Not-at-fault accident	$1025	$171
One comp claim	$1038	$177
Two Med/PIP claims	$1052	$175
Failure to show documents	$1066	$182
Driving with expired registration	$1093	$182
Failure to wear a seat belt	$1099	$187
Two comp claims	$1120	$186
Driving without lights	$1162	$198
Child safety restraint	$1168	$194
Speeding 6 - 10 MPH over limit	$1175	$200
At-fault accident - less than $1000	$1189	$198
Cell phone violation	$1196	$204
Driving too slowly	$1202	$200
Failure to yield	$1202	$205
Speeding in school zone	$1202	$200
Illegal turn	$1209	$206
Speeding 11 - 15 MPH over limit	$1209	$201
Speeding 16 - 20 MPH over limit	$1209	$206
Texting while driving	$1209	$201
Wrong way/wrong lane	$1209	$206
Failure to stop at a red light	$1222	$204
Following too closely	$1222	$208
Improper passing	$1257	$209
Passing school bus	$1278	$217
In 65 MPH zone	$1346	$224
At-fault accident - $1000-$2000	$1401	$238
Speeding 21 - 25 MPH over limit	$1401	$233
Operating a vehicle without permission	$1408	$239
At-fault accident - greater than $2000	$1415	$236
Open container	$1427	$243
Reckless driving	$1845	$307
Racing	$1851	$315
Refusal to submit to a chemical test	$1865	$311
Driving with a suspended license	$1872	$319
Leaving scene of an accident/hit and run	$1879	$313
DUI	$1885	$321

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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 Western National at $171 for a six-month policy. However, it can be as expensive as $1659 with companies like Allstate.

Clayton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$171	$29
Chubb	$274	$46
Travelers	$321	$54
West Bend	$383	$63
Kemper	$390	$67
USAA	$718	$121
Erie	$744	$125
American Family	$848	$143
Progressive	$1018	$171
State Farm	$1093	$184
Farmers	$1592	$270
Acuity	$1605	$268
Allstate	$1659	$279

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 Western National at $171. However, it can be as expensive as $1543 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Clayton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$171	$29
AAA	$218	$37
Auto-Owners Insurance Co	$239	$40
Travelers	$267	$45
Chubb	$274	$46
West Bend Mutual	$314	$53
Erie	$485	$82
State Farm	$567	$95
American Family	$574	$97
Acuity	$683	$115
Progressive	$902	$152
Allstate	$1543	$262

Car Insurance Price Trends in Clayton, Wisconsin

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 $144 in December compared to $140 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Clayton rose to $39 in December, compared to $37 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 Clayton?

The car insurance in Clayton is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Clayton?

The cheapest car insurance in Clayton is $54 per month for full coverage.

How much is car insurance in Clayton for teenagers?

Car insurance for teenagers costs $225 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 $677 for a six-month policy. It will cost around $131 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 Wisconsin

National Average

Cheapest Car Insurance Companies in Clayton

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Clayton Car Insurance Rates by Company

Cheap Car Insurance Companies in Clayton, WI

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, WI

Cheapest Full Coverage Car Insurance in Clayton

Cheapest Full Coverage Car Insurance Quotes in Clayton, WI

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, WI 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,WI

If you are in your twenties USAA 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, Wisconsin

Average Car Insurance Cost in Clayton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clayton, WI

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

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