Best Cheap Auto Insurance in Clayton, OH (2021)

The average Clayton, OH auto insurance rates are $243 per month. The minimum auto insurance in Clayton is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Clayton, 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 cheapest auto insurance company in Clayton is USAA
  • The most expensive auto insurance company in Clayton for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Clayton, Ohio is 25/50/25

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

Compare auto insurance in Clayton to other Ohio cities, including Parma auto insurance rates, Canton auto insurance rates, and Lorain auto insurance rates to see how Clayton, Ohio auto insurance rates stack up.

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

Minimum Auto Insurance in Clayton, Ohio

Clayton, 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 Clayton, Ohio.

Minimum Required Auto Insurance Coverage in Clayton, 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 Clayton, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Clayton, 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 Clayton, 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 $1,998 $1,983 $1,810 $1,932 $5,627 $6,438 $2,085 $2,218
American Family $993 $1,030 $917 $920 $3,165 $3,432 $1,229 $1,295
Farmers $1,845 $1,842 $1,624 $1,717 $8,329 $8,655 $2,067 $2,153
GEICO $1,323 $1,291 $1,253 $1,276 $3,602 $3,350 $1,468 $1,239
Liberty Mutual $2,079 $2,266 $1,599 $1,940 $11,077 $12,503 $2,208 $2,411
Nationwide $2,448 $2,457 $2,209 $2,222 $6,397 $8,234 $2,622 $3,049
Progressive $1,841 $1,724 $1,539 $1,590 $8,372 $9,413 $2,194 $2,271
State Farm $1,520 $1,520 $1,372 $1,372 $4,913 $6,158 $1,771 $2,035
Travelers $1,504 $1,526 $1,501 $1,491 $6,576 $10,363 $1,572 $1,789
USAA $876 $883 $838 $834 $2,753 $3,058 $1,171 $1,262

Cheap Clayton, Ohio Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Clayton, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,627 $6,438
American Family $3,165 $3,432
Farmers $8,329 $8,655
GEICO $3,602 $3,350
Liberty Mutual $11,077 $12,503
Nationwide $6,397 $8,234
Progressive $8,372 $9,413
State Farm $4,913 $6,158
Travelers $6,576 $10,363
USAA $2,753 $3,058

Cheap Clayton, Ohio Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Clayton, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,810 $1,932
American Family $917 $920
Farmers $1,624 $1,717
GEICO $1,253 $1,276
Liberty Mutual $1,599 $1,940
Nationwide $2,209 $2,222
Progressive $1,539 $1,590
State Farm $1,372 $1,372
Travelers $1,501 $1,491
USAA $838 $834

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

Annual Clayton, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,521 $3,056 $3,607 $2,862
American Family $1,555 $1,645 $1,645 $1,645
Farmers $2,909 $3,750 $3,658 $3,800
GEICO $1,249 $1,812 $2,648 $1,692
Liberty Mutual $3,789 $4,864 $4,966 $4,423
Nationwide $2,969 $3,777 $4,791 $3,283
Progressive $3,115 $4,254 $3,323 $3,779
State Farm $2,343 $2,822 $2,583 $2,583
Travelers $2,415 $3,159 $4,772 $2,815
USAA $1,119 $1,504 $1,974 $1,240

Cheap Clayton, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Clayton, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,607
American Family $1,645
Farmers $3,658
GEICO $2,648
Liberty Mutual $4,966
Nationwide $4,791
Progressive $3,323
State Farm $2,583
Travelers $4,772
USAA $1,974

Cheap Clayton, Ohio Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Clayton, Ohio

Insurance Company Poor Fair Good
Allstate $3,861 $2,821 $2,352
American Family $2,152 $1,469 $1,246
Farmers $3,993 $3,378 $3,216
GEICO $2,219 $1,850 $1,482
Liberty Mutual $6,457 $3,967 $3,107
Nationwide $4,477 $3,601 $3,036
Progressive $4,049 $3,516 $3,289
State Farm $3,679 $2,275 $1,794
Travelers $3,677 $3,202 $2,992
USAA $1,892 $1,342 $1,145

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Cheap Clayton, Ohio Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Clayton, Ohio

ZIP Code Average Annual Rates
45315 $2,778
45322 $2,683

Cheap Clayton, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Clayton, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,011 $3,011
American Family $1,603 $1,643
Farmers $3,529 $3,529
GEICO $1,819 $1,882
Liberty Mutual $4,511 $4,511
Nationwide $3,705 $3,705
Progressive $3,618 $3,618
State Farm $2,518 $2,648
Travelers $3,290 $3,290
USAA $1,405 $1,514

Cheap Clayton, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Clayton, Ohio

Insurance Company Low Medium High
Allstate $2,910 $3,005 $3,119
American Family $1,585 $1,634 $1,648
Farmers $3,331 $3,469 $3,787
GEICO $1,787 $1,842 $1,923
Liberty Mutual $4,351 $4,531 $4,649
Nationwide $4,098 $3,591 $3,426
Progressive $3,462 $3,584 $3,807
State Farm $2,444 $2,591 $2,713
Travelers $3,209 $3,332 $3,330
USAA $1,395 $1,458 $1,525

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Best By Category: Cheapest Auto Insurance in Clayton, Ohio

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

Best Annual Auto Insurance Rates by Company in Clayton, 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 Clayton, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Clayton, Ohio

Insurance Company Average Annual Rates
Allstate $3,011
American Family $1,623
Farmers $3,529
GEICO $1,850
Liberty Mutual $4,511
Nationwide $3,705
Progressive $3,618
State Farm $2,583
Travelers $3,290
USAA $1,459

What affects auto insurance rates in Clayton, Ohio?

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

Clayton Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Clayton, Ohio auto theft statistics, there have been 23 auto thefts in the city.

Clayton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Clayton, Ohio commute length is 25.8 minutes according to City-Data.

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Compare Clayton, Ohio Auto Insurance Quotes

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