Best Cheap Auto Insurance in Clay Center, OH (2021)

The average Clay Center, OH auto insurance rates are $223 per month. The minimum auto insurance in Clay Center is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Clay Center, Ohio, 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 Center is 24.7 minutes
  • The minimum auto insurance required in Clay Center, Ohio is 25/50/25
  • The cheapest auto insurance company in Clay Center is USAA

Clay Center, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Clay Center 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 Center, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Clay Center to other Ohio cities, including Toledo auto insurance rates, Columbus auto insurance rates, and Lorain auto insurance rates to see how Clay Center, Ohio auto insurance rates stack up.

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

Minimum Auto Insurance in Clay Center, Ohio

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

Minimum Required Auto Insurance Coverage in Clay Center, Ohio

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 Center, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Clay Center, Ohio 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 Center, Ohio

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 $2,048 $2,035 $1,848 $1,973 $5,726 $6,561 $2,148 $2,292
American Family $985 $1,023 $910 $913 $3,197 $3,468 $1,223 $1,289
Farmers $1,766 $1,759 $1,556 $1,643 $7,829 $8,119 $1,979 $2,065
GEICO $1,157 $1,127 $1,096 $1,110 $3,091 $2,874 $1,281 $1,083
Liberty Mutual $1,929 $2,106 $1,481 $1,806 $10,236 $11,562 $2,040 $2,225
Nationwide $1,953 $1,961 $1,767 $1,777 $5,036 $6,471 $2,089 $2,423
Progressive $1,697 $1,589 $1,417 $1,463 $7,729 $8,687 $2,027 $2,097
State Farm $1,430 $1,430 $1,283 $1,283 $4,512 $5,669 $1,662 $1,904
Travelers $1,377 $1,398 $1,372 $1,364 $5,994 $9,499 $1,436 $1,631
USAA $779 $786 $741 $741 $2,371 $2,640 $1,037 $1,121

Cheap Clay Center, Ohio Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Clay Center, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,726 $6,561
American Family $3,197 $3,468
Farmers $7,829 $8,119
GEICO $3,091 $2,874
Liberty Mutual $10,236 $11,562
Nationwide $5,036 $6,471
Progressive $7,729 $8,687
State Farm $4,512 $5,669
Travelers $5,994 $9,499
USAA $2,371 $2,640

Cheap Clay Center, Ohio Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Clay Center, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,848 $1,973
American Family $910 $913
Farmers $1,556 $1,643
GEICO $1,096 $1,110
Liberty Mutual $1,481 $1,806
Nationwide $1,767 $1,777
Progressive $1,417 $1,463
State Farm $1,283 $1,283
Travelers $1,372 $1,364
USAA $741 $741

Cheap Clay Center, Ohio 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 Center, Ohio compared to the annual auto insurance rates with a clean record in Clay Center, Ohio.

Annual Clay Center, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,585 $3,122 $3,680 $2,928
American Family $1,557 $1,649 $1,649 $1,649
Farmers $2,751 $3,547 $3,459 $3,601
GEICO $1,088 $1,569 $2,282 $1,471
Liberty Mutual $3,501 $4,507 $4,596 $4,089
Nationwide $2,360 $2,991 $3,783 $2,605
Progressive $2,875 $3,926 $3,065 $3,489
State Farm $2,180 $2,612 $2,396 $2,396
Travelers $2,214 $2,887 $4,360 $2,575
USAA $985 $1,316 $1,718 $1,089

Cheap Clay Center, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Clay Center, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,680
American Family $1,649
Farmers $3,459
GEICO $2,282
Liberty Mutual $4,596
Nationwide $3,783
Progressive $3,065
State Farm $2,396
Travelers $4,360
USAA $1,718

Cheap Clay Center, Ohio Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Clay Center, Ohio

Insurance Company Poor Fair Good
Allstate $3,951 $2,881 $2,405
American Family $2,162 $1,470 $1,245
Farmers $3,781 $3,195 $3,042
GEICO $1,918 $1,602 $1,287
Liberty Mutual $5,972 $3,670 $2,877
Nationwide $3,538 $2,854 $2,413
Progressive $3,736 $3,244 $3,035
State Farm $3,415 $2,111 $1,664
Travelers $3,363 $2,928 $2,736
USAA $1,656 $1,174 $1,001

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Cheap Clay Center, Ohio Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Clay Center, Ohio

ZIP Code Average Annual Rates
43408 $2,568

Cheap Clay Center, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Clay Center, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,079 $3,079
American Family $1,606 $1,646
Farmers $3,339 $3,339
GEICO $1,575 $1,629
Liberty Mutual $4,173 $4,173
Nationwide $2,935 $2,935
Progressive $3,338 $3,338
State Farm $2,336 $2,456
Travelers $3,009 $3,009
USAA $1,229 $1,325

Cheap Clay Center, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Clay Center, Ohio

Insurance Company Low Medium High
Allstate $2,986 $3,073 $3,177
American Family $1,591 $1,639 $1,649
Farmers $3,164 $3,289 $3,566
GEICO $1,548 $1,595 $1,665
Liberty Mutual $3,999 $4,197 $4,325
Nationwide $3,226 $2,846 $2,732
Progressive $3,208 $3,310 $3,498
State Farm $2,272 $2,404 $2,512
Travelers $2,915 $3,051 $3,060
USAA $1,223 $1,276 $1,333

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Best By Category: Cheapest Auto Insurance in Clay Center, Ohio

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

Best Annual Auto Insurance Rates by Company in Clay Center, Ohio

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

The Cheapest Clay Center, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Clay Center, Ohio

Insurance Company Average Annual Rates
Allstate $3,079
American Family $1,626
Farmers $3,339
GEICO $1,602
Liberty Mutual $4,173
Nationwide $2,935
Progressive $3,338
State Farm $2,396
Travelers $3,009
USAA $1,277

What affects auto insurance rates in Clay Center, Ohio?

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

Clay Center Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Clay Center, Ohio commute length is 24.7 minutes according to City-Data.

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Compare Clay Center, Ohio Auto Insurance Quotes

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