Best Cheap Auto Insurance in Clay, KY (2021)

The average Clay, KY auto insurance rates are $356 per month. The minimum auto insurance in Clay is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Clay, Kentucky, 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

  • Average auto insurance rates in Clay, KY for senior drivers are $2,398 per year
  • The cheapest auto insurance company in Clay is USAA
  • The minimum auto insurance required in Clay, Kentucky is 25/50/25

Clay, Kentucky auto insurance requirements are 25/50/25 according to Kentucky 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, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Clay to other Kentucky cities, including Bowling Green auto insurance rates, Owensboro auto insurance rates, and George auto insurance rates to see how Clay, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Clay, Kentucky

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

Minimum Required Auto Insurance Coverage in Clay, Kentucky

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, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Clay, Kentucky 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, Kentucky

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 $3,226 $3,220 $2,882 $3,080 $11,301 $12,695 $3,645 $3,885
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,558 $2,776 $2,175 $2,428 $10,031 $11,097 $2,690 $2,822
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,141 $2,065 $1,894 $1,919 $9,746 $11,021 $2,660 $2,743
State Farm $2,338 $2,338 $2,093 $2,093 $7,145 $9,011 $2,611 $2,944
Travelers $2,214 $2,255 $2,169 $2,175 $10,535 $16,904 $2,311 $2,677
USAA $1,887 $1,905 $1,693 $1,740 $4,875 $5,165 $2,398 $2,644

Cheap Clay, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Clay, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,301 $12,695
GEICO $6,831 $8,150
Liberty Mutual $10,031 $11,097
Nationwide $6,037 $7,550
Progressive $9,746 $11,021
State Farm $7,145 $9,011
Travelers $10,535 $16,904
USAA $4,875 $5,165

Cheap Clay, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Clay, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,882 $3,080
GEICO $3,608 $3,267
Liberty Mutual $2,175 $2,428
Nationwide $2,519 $2,640
Progressive $1,894 $1,919
State Farm $2,093 $2,093
Travelers $2,169 $2,175
USAA $1,693 $1,740

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

Annual Clay, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,614 $5,935 $6,264 $5,153
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,826 $5,846 $4,559 $4,057
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,543 $5,192 $4,045 $4,315
State Farm $3,483 $4,161 $3,822 $3,822
Travelers $4,497 $4,627 $6,674 $4,821
USAA $2,103 $2,980 $3,541 $2,530

Cheap Clay, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Clay, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,264
GEICO $6,862
Liberty Mutual $4,559
Nationwide $4,997
Progressive $4,045
State Farm $3,822
Travelers $6,674
USAA $3,541

Cheap Clay, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Clay, Kentucky

Insurance Company Poor Fair Good
Allstate $7,267 $5,010 $4,197
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,540 $4,005 $3,171
Nationwide $4,672 $3,666 $3,197
Progressive $4,814 $4,152 $3,855
State Farm $5,530 $3,335 $2,600
Travelers $5,751 $4,866 $4,847
USAA $4,165 $2,317 $1,884

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Cheap Clay, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Clay, Kentucky

ZIP Code Average Annual Rates
42404 $3,804

Cheap Clay, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Clay, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,492 $5,492
GEICO $4,191 $4,270
Liberty Mutual $4,572 $4,572
Nationwide $3,845 $3,845
Progressive $4,273 $4,273
State Farm $3,731 $3,913
Travelers $5,155 $5,155
USAA $2,683 $2,894

Cheap Clay, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Clay, Kentucky

Insurance Company Low Medium High
Allstate $5,171 $5,474 $5,831
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,393 $4,548 $4,775
Nationwide $3,908 $3,801 $3,826
Progressive $4,005 $4,233 $4,583
State Farm $3,623 $3,818 $4,025
Travelers $4,897 $5,179 $5,389
USAA $2,673 $2,783 $2,910

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Best By Category: Cheapest Auto Insurance in Clay, Kentucky

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

Best Annual Auto Insurance Rates by Company in Clay, Kentucky

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, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Clay, Kentucky

Insurance Company Average Annual Rates
Allstate $5,492
GEICO $4,231
Liberty Mutual $4,572
Nationwide $3,845
Progressive $4,273
State Farm $3,822
Travelers $5,155
USAA $2,789

What affects auto insurance rates in Clay, Kentucky?

There are a lot of reasons why auto insurance rates in Clay, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Clay, Kentucky. 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, Kentucky commute length is 24.9 minutes according to City-Data.

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Compare Clay, Kentucky Auto Insurance Quotes

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

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