Compare Clay, AL Car Insurance Rates (2021)

Car insurance in Clay, AL averages $339 a month. Clay, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Clay car insurance rates, compare quotes from the top car insurance companies in Clay, AL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Clay, AL after a DUI are $4,639/year
  • The cheapest car insurance company in Clay for teen drivers is USAA
  • Average car insurance rates in Clay, AL are $4,066/year

If you need to buy Clay, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Clay, AL is right here.

You’ll find Clay car insurance rates, the cheapest Clay, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Clay, Alabama car insurance rates to Dothan car insurance rates, Tuscaloosa car insurance rates, and Hoover car insurance rates.

Ready to find affordable Clay, AL car insurance today? Enter your ZIP code for fast, free Clay car insurance quotes.

Cheapest Clay, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Clay, AL car insurance rates? Every Clay, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Clay, AL

Every driver must carry the minimum car insurance in Clay, AL. Take a look at the Alabama car insurance requirements.

Minimum Required Car 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

Cheapest Clay, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Clay, AL. Compare credit history car insurance rates in Clay from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Clay, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Clay, AL to rates for a clean record with top companies.

Annual Clay, Alabama Car 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

Cheapest Clay, AL Car Insurance for Teen Drivers

Teen car insurance in Clay, AL can be expensive. Take a look at rates from the top car insurance companies in Clay for teenagers.

Annual Car 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

Cheapest Clay, AL Car Insurance for Seniors

Take a look at Clay, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Clay, AL Car Insurance Rates After a DUI

A DUI in Clay, AL increases car insurance rates. Compare Clay, Alabama DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Clay, Alabama

Insurance Company Annual Car 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

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Cheapest Clay, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Clay, AL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

The Best Cheap Car Insurance Companies in Clay, AL

Take a look at a side-by-side comparison of the top car insurance companies in Clay, AL to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Clay, Alabama

Find the cheapest car insurance companies in Clay, AL for each category right here.

Best Annual Car 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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Cheapest Clay, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Clay car insurance rates. Find the cheapest Clay, AL car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Clay, Alabama?

What factors can have an impact on Clay, AL car insurance? There are several reasons why Clay car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Clay, Alabama.

Commute Time in Clay

The more time you spend in your car the higher the risk of an accident. The average commute length in Clay, AL is 32.0 minutes according to City-Data.

Compare Car Insurance Quotes in Clay, AL

Ready to find affordable Clay, Alabama car insurance today? Enter your ZIP code for fast, free Clay, AL car insurance quotes.

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Average Monthly Car Insurance Rates by State