Buy Cheap Clay, AL Auto Insurance (2021)

Clay, AL auto insurance rates average $339 a month. Minimum auto insurance requirements in Clay, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Clay, AL, compare Clay auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Clay, AL are $339/month
  • The most expensive auto insurance company in Clay after a DUI is Liberty Mutual
  • Average auto insurance rates in Clay, AL after a DUI are $4,639/year

Finding affordable Clay, Alabama auto insurance can be challenging, but everything you need to know to buy cheap Clay, AL auto insurance with confidence is right here. Auto insurance rates in Clay are affected by local factors as well as personal ones like your driving record.

See how Clay, AL car insurance rates compare to Birmingham auto insurance rates, Madison auto insurance rates, and Hoover auto insurance rates before you read more about the cost of auto insurance in Clay.

Don’t buy Clay, AL auto insurance until you’ve compared rates. Get free Clay, Alabama auto insurance quotes when you enter your ZIP code above.

Clay, AL Minimum Auto Insurance Requirements

The required auto insurance in Clay, AL is 25/50/25 according to the auto insurance laws in Alabama. The minimum auto insurance in Clay, Alabama is outlined here.

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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Find Cheap Clay, AL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Clay, AL. Take a look at Clay, Alabama auto insurance rates by credit history.

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

Buy Cheap Clay, AL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Clay, Alabama auto insurance rates? Find out how car insurance rates in Clay, AL are impacted by demographics.

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

Buy Cheap Clay, AL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Clay can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Clay, AL are listed here.

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

Buy Cheap Clay, AL Auto Insurance for Seniors

You can save on senior auto insurance rates in Clay, Alabama by comparing Clay senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Clay, AL here.

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

Find Cheap Auto Insurance Rates in Clay, AL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Clay, Alabama auto insurance. Compare Clay, AL 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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Find Cheap Clay, AL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Clay. Compare auto insurance rates in Clay, AL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Clay, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Clay, AL Auto Insurance Rates by Driving Record

Auto insurance rates in Clay, Alabama are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Clay, AL, take a look at the average cost for various violations versus rates for a clean driving record in Clay.

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

Find Cheap Clay, AL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Clay, Alabama is higher than for a clean driving record. You can buy auto insurance after a DUI in Clay for less when you shop around and compare rates from multiple Clay, AL auto insurance companies.

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

Winners by Category: Where to Buy Cheap Auto Insurance in Clay, AL

Compare rates from the cheapest auto insurance companies in Clay, AL for your needs. Take a look at how Clay, Alabama auto insurance companies stack up for each category.

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

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Find Cheap Clay, Alabama Auto Insurance Companies

If you’re looking for the cheapest Clay, AL auto insurance companies overall, you can compare them here. Find the best price for Clay, Alabama car insurance by company.

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 Clay, Alabama auto insurance rates?

Local factors affect auto insurance rates in Clay, AL, including traffic, theft statistics, and commute length. Take a look at the things that impact Clay auto insurance rates.

Commute Times in Clay

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Clay, AL is 32.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Clay, AL

You can buy cheap Clay, AL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Clay, Alabama auto insurance quotes from top companies.

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