Buy Cheap Clayton, OH Auto Insurance (2021)

Clayton, OH auto insurance rates average $243 a month. Minimum auto insurance requirements in Clayton, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Clayton, OH, compare Clayton 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

  • The most expensive auto insurance company in Clayton is Liberty Mutual
  • The most expensive auto insurance company in Clayton after a DUI is Liberty Mutual
  • Average auto insurance rates in Clayton, OH for teens drivers are $6,081/year

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

See how Clayton, OH car insurance rates compare to Hamilton auto insurance rates, Canton auto insurance rates, and Cleveland auto insurance rates before you read more about the cost of auto insurance in Clayton.

Don’t buy Clayton, OH auto insurance until you’ve compared rates. Get free Clayton, Ohio auto insurance quotes when you enter your ZIP code above.

Clayton, OH Minimum Auto Insurance Requirements

The required auto insurance in Clayton, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Clayton, Ohio is outlined here.

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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Find Cheap Clayton, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Clayton, OH. Take a look at Clayton, Ohio auto insurance rates by credit history.

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

Buy Cheap Clayton, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Clayton, Ohio auto insurance rates? Find out how car insurance rates in Clayton, OH are impacted by demographics.

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

Buy Cheap Clayton, OH Auto Insurance for Teen Drivers

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

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

Buy Cheap Clayton, OH Auto Insurance for Seniors

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

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

Find Cheap Auto Insurance Rates in Clayton, OH by Coverage Level

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

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

Annual Auto Insurance Rates by Commute Length in Clayton, Ohio

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

Find Cheap Clayton, OH Auto Insurance Rates by ZIP Code

Auto insurance rates in Clayton, Ohio can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Clayton, OH to see how much where you live in Clayton affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Clayton, Ohio

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

Find Cheap Clayton, OH Auto Insurance Rates by Driving Record

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

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

Find Cheap Clayton, OH Auto Insurance Rates After a DUI

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

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Clayton, OH

Compare rates from the cheapest auto insurance companies in Clayton, OH for your needs. Take a look at how Clayton, Ohio auto insurance companies stack up for each category.

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

Find Cheap Clayton, Ohio Auto Insurance Companies

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

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 Clayton, Ohio auto insurance rates?

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

Auto Theft in Clayton

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Clayton, OH auto theft show a total of 23 vehicle thefts annually.

Commute Times in Clayton

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Clayton, OH is 25.8 minutes according to City-Data.

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Compare Auto Insurance Quotes in Clayton, OH

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

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