Compare Clay, CA Car Insurance Rates (2021)

Car insurance in Clay, CA averages $305 a month. Clay, California car insurance requirements are 15/30/5, 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, CA.

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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, CA are $3,661/year
  • The cheapest car insurance company in Clay for teen drivers is USAA
  • Average car insurance rates in Clay, CA after a DUI are $5,150/year

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

You’ll find Clay car insurance rates, the cheapest Clay, CA car insurance companies, and information on California car insurance laws. You can also compare Clay, California car insurance rates to Los Angeles car insurance rates, Anaheim car insurance rates, and San Francisco car insurance rates.

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

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

How do age, gender, and marital status affect Clay, CA car insurance rates? Every Clay, California 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, California

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 $2,757 $2,768 $2,008 $2,035 $7,606 $9,591 $3,551 $3,932
Farmers $2,622 $2,622 $2,368 $2,368 $8,338 $13,616 $3,104 $3,455
GEICO $1,840 $1,842 $1,731 $1,731 $5,560 $5,668 $2,639 $2,707
Liberty Mutual $2,401 $2,270 $2,230 $2,159 $5,213 $5,556 $2,705 $2,732
Nationwide $3,155 $3,014 $2,759 $2,604 $7,951 $8,795 $3,755 $3,713
Progressive $1,605 $1,652 $1,363 $1,617 $4,260 $5,133 $2,305 $2,478
State Farm $3,822 $3,822 $3,414 $3,414 $7,062 $8,774 $4,232 $4,361
Travelers $2,418 $2,342 $2,134 $2,112 $4,976 $5,668 $3,131 $3,070
USAA $1,875 $1,777 $1,829 $1,837 $4,285 $4,300 $2,592 $2,450

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Minimum Car Insurance in Clay, CA

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

Minimum Required Car Insurance Coverage in Clay, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Clay, CA 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, CA to rates for a clean record with top companies.

Annual Clay, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,577 $4,348 $6,814 $3,386
Farmers $3,562 $4,846 $6,030 $4,809
GEICO $2,076 $3,191 $4,018 $2,575
Liberty Mutual $2,741 $3,673 $3,315 $2,905
Nationwide $3,117 $3,997 $6,762 $3,997
Progressive $1,674 $2,838 $3,284 $2,410
State Farm $3,472 $4,139 $7,812 $4,028
Travelers $2,162 $3,512 $4,078 $3,174
USAA $1,740 $2,586 $4,241 $1,906

Cheapest Clay, CA Car Insurance for Teen Drivers

Teen car insurance in Clay, CA 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, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,606 $9,591
Farmers $8,338 $13,616
GEICO $5,560 $5,668
Liberty Mutual $5,213 $5,556
Nationwide $7,951 $8,795
Progressive $4,260 $5,133
State Farm $7,062 $8,774
Travelers $4,976 $5,668
USAA $4,285 $4,300

Cheapest Clay, CA Car Insurance for Seniors

Take a look at Clay, CA 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, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,008 $2,035
Farmers $2,368 $2,368
GEICO $1,731 $1,731
Liberty Mutual $2,230 $2,159
Nationwide $2,759 $2,604
Progressive $1,363 $1,617
State Farm $3,414 $3,414
Travelers $2,134 $2,112
USAA $1,829 $1,837

Cheapest Clay, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Clay, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,814
Farmers $6,030
GEICO $4,018
Liberty Mutual $3,315
Nationwide $6,762
Progressive $3,284
State Farm $7,812
Travelers $4,078
USAA $4,241

Cheapest Clay, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Clay, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,862 $4,701
Farmers $4,365 $5,258
GEICO $2,694 $3,236
Liberty Mutual $2,899 $3,418
Nationwide $3,948 $4,989
Progressive $2,315 $2,788
State Farm $4,685 $5,040
Travelers $2,909 $3,554
USAA $2,411 $2,825

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The Best Cheap Car Insurance Companies in Clay, CA

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

Average Annual Car Insurance Rates by Company in Clay, California

Insurance Company Average Annual Rates
Allstate $4,281
Farmers $4,812
GEICO $2,965
Liberty Mutual $3,158
Nationwide $4,468
Progressive $2,552
State Farm $4,863
Travelers $3,231
USAA $2,618

Category Winners: Cheapest Car Insurance in Clay, California

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

Best Annual Car Insurance Rates by Company in Clay, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Cheapest Clay, CA 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, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Clay, California

Insurance Company Low Medium High
Allstate $4,071 $4,316 $4,457
Farmers $4,463 $4,851 $5,121
GEICO $2,669 $2,995 $3,230
Liberty Mutual $2,941 $3,186 $3,348
Nationwide $4,003 $4,543 $4,859
Progressive $2,295 $2,628 $2,731
State Farm $4,352 $4,955 $5,281
Travelers $2,810 $3,319 $3,565
USAA $2,371 $2,669 $2,815

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What affects car insurance rates in Clay, California?

What factors can have an impact on Clay, CA 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, California.

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, CA is 36.2 minutes according to City-Data.

Compare Car Insurance Quotes in Clay, CA

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

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Average Monthly Car Insurance Rates by State