Best Cheap Auto Insurance in Clay, AL (2021)

The average Clay, AL auto insurance rates are $339 per month. The minimum auto insurance in Clay is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Clay, Alabama, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Clay is 32.0 minutes
  • Average auto insurance rates in Clay, AL for senior drivers are $2,123 per year
  • The most expensive auto insurance company in Clay for teen drivers is Liberty Mutual

Clay, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Clay can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Clay, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Clay to other Alabama cities, including Tuscaloosa auto insurance rates, Mobile auto insurance rates, and Madison auto insurance rates to see how Clay, Alabama auto insurance rates stack up.

Before you buy Clay, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Clay, Alabama auto insurance quotes.

Minimum Auto Insurance in Clay, Alabama

Clay, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Clay, Alabama.

Minimum Required Auto Insurance Coverage in Clay, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Clay, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Clay, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Clay, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,077 $1,969 $1,889 $1,923 $7,515 $8,080 $2,301 $2,344
Farmers $2,627 $2,603 $2,344 $2,498 $10,378 $10,669 $2,983 $3,087
GEICO $2,292 $2,292 $2,178 $2,261 $6,182 $6,096 $2,423 $2,261
Liberty Mutual $3,192 $3,446 $2,609 $2,920 $12,020 $13,369 $3,395 $3,610
Nationwide $1,840 $1,861 $1,677 $1,734 $4,959 $6,374 $2,048 $2,289
Progressive $2,691 $2,506 $2,214 $2,369 $11,441 $12,751 $3,146 $3,348
State Farm $3,391 $3,391 $3,089 $3,089 $10,624 $13,270 $3,840 $4,449
Travelers $1,529 $1,550 $1,447 $1,438 $8,444 $13,271 $1,447 $1,637
USAA $1,377 $1,394 $1,284 $1,254 $4,153 $4,601 $1,796 $1,934

Cheap Clay, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Clay, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Clay, Alabama.

Annual Auto Insurance Rates for Teen Drivers in Clay, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,515 $8,080
Farmers $10,378 $10,669
GEICO $6,182 $6,096
Liberty Mutual $12,020 $13,369
Nationwide $4,959 $6,374
Progressive $11,441 $12,751
State Farm $10,624 $13,270
Travelers $8,444 $13,271
USAA $4,153 $4,601

Cheap Clay, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Clay, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Clay, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,889 $1,923
Farmers $2,344 $2,498
GEICO $2,178 $2,261
Liberty Mutual $2,609 $2,920
Nationwide $1,677 $1,734
Progressive $2,214 $2,369
State Farm $3,089 $3,089
Travelers $1,447 $1,438
USAA $1,284 $1,254

Cheap Clay, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Clay, Alabama compared to the annual auto insurance rates with a clean record in Clay, Alabama.

Annual Clay, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,964 $3,511 $4,204 $3,369
Farmers $3,906 $5,068 $4,943 $4,677
GEICO $2,174 $3,528 $4,396 $2,894
Liberty Mutual $4,365 $6,092 $5,940 $5,884
Nationwide $2,491 $2,491 $3,628 $2,781
Progressive $4,552 $5,762 $4,930 $4,990
State Farm $5,069 $6,345 $5,579 $5,579
Travelers $3,198 $3,354 $4,938 $3,893
USAA $1,709 $2,149 $3,191 $1,848

Cheap Clay, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Clay, Alabama is not easy. Compare the annual rates for DUI auto insurance in Clay, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Clay, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,204
Farmers $4,943
GEICO $4,396
Liberty Mutual $5,940
Nationwide $3,628
Progressive $4,930
State Farm $5,579
Travelers $4,938
USAA $3,191

Cheap Clay, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Clay, Alabama annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Clay, Alabama

Insurance Company Poor Fair Good
Allstate $4,324 $3,417 $2,796
Farmers $5,205 $4,489 $4,252
GEICO $4,135 $2,945 $2,664
Liberty Mutual $7,964 $4,902 $3,845
Nationwide $3,436 $2,682 $2,426
Progressive $5,680 $4,903 $4,592
State Farm $9,157 $4,630 $3,142
Travelers $4,188 $3,639 $3,709
USAA $2,991 $1,945 $1,736

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Cheap Clay, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Clay, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Clay, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Clay, Alabama

ZIP Code Average Annual Rates
35048 $4,185

Cheap Clay, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Clay, Alabama auto insurance. Find the cheapest annual Clay, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Clay, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,512 $3,512
Farmers $4,649 $4,649
GEICO $3,191 $3,305
Liberty Mutual $5,570 $5,570
Nationwide $2,848 $2,848
Progressive $5,058 $5,058
State Farm $5,506 $5,780
Travelers $3,845 $3,845
USAA $2,122 $2,326

Cheap Clay, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Clay, Alabama? Check out the comparison of annual Clay, Alabama auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Clay, Alabama

Insurance Company Low Medium High
Allstate $3,382 $3,507 $3,648
Farmers $4,374 $4,585 $4,987
GEICO $3,005 $3,236 $3,504
Liberty Mutual $5,309 $5,543 $5,857
Nationwide $2,832 $2,824 $2,887
Progressive $4,505 $5,033 $5,637
State Farm $5,324 $5,637 $5,967
Travelers $3,659 $3,921 $3,956
USAA $2,147 $2,213 $2,312

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Best By Category: Cheapest Auto Insurance in Clay, Alabama

Compare the cheapest auto insurance companies in Clay, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Clay, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Clay, Alabama Auto Insurance Companies

What auto insurance companies in Clay, Alabama are the cheapest? Compare the top Clay, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Clay, Alabama

Insurance Company Average Annual Rates
Allstate $3,512
Farmers $4,649
GEICO $3,248
Liberty Mutual $5,570
Nationwide $2,848
Progressive $5,058
State Farm $5,643
Travelers $3,845
USAA $2,224

What affects auto insurance rates in Clay, Alabama?

There are a lot of reasons why auto insurance rates in Clay, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Clay, Alabama. Many local factors may affect your Clay auto insurance rates.

Clay Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Clay, Alabama commute length is 32.0 minutes according to City-Data.

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Compare Clay, Alabama Auto Insurance Quotes

Before you buy Clay, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Clay, Alabama auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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