Compare Clay, KY Car Insurance Rates (2021)

Car insurance in Clay, KY averages $356 a month. Clay, Kentucky 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, KY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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, KY after a DUI are $5,095/year
  • The cheapest car insurance company in Clay is USAA
  • The cheapest car insurance company in Clay for teen drivers is USAA

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

You’ll find Clay car insurance rates, the cheapest Clay, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Clay, Kentucky car insurance rates to Bowling Green car insurance rates, Frankfort car insurance rates, and Covington car insurance rates.

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

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

How do age, gender, and marital status affect Clay, KY car insurance rates? Every Clay, Kentucky 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, Kentucky

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 $3,226 $3,220 $2,882 $3,080 $11,301 $12,695 $3,645 $3,885
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,558 $2,776 $2,175 $2,428 $10,031 $11,097 $2,690 $2,822
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,141 $2,065 $1,894 $1,919 $9,746 $11,021 $2,660 $2,743
State Farm $2,338 $2,338 $2,093 $2,093 $7,145 $9,011 $2,611 $2,944
Travelers $2,214 $2,255 $2,169 $2,175 $10,535 $16,904 $2,311 $2,677
USAA $1,887 $1,905 $1,693 $1,740 $4,875 $5,165 $2,398 $2,644

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Minimum Car Insurance in Clay, KY

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

Minimum Required Car Insurance Coverage in Clay, Kentucky

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, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Clay, KY. 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, Kentucky

Insurance Company Poor Fair Good
Allstate $7,267 $5,010 $4,197
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,540 $4,005 $3,171
Nationwide $4,672 $3,666 $3,197
Progressive $4,814 $4,152 $3,855
State Farm $5,530 $3,335 $2,600
Travelers $5,751 $4,866 $4,847
USAA $4,165 $2,317 $1,884

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

Annual Clay, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,614 $5,935 $6,264 $5,153
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,826 $5,846 $4,559 $4,057
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,543 $5,192 $4,045 $4,315
State Farm $3,483 $4,161 $3,822 $3,822
Travelers $4,497 $4,627 $6,674 $4,821
USAA $2,103 $2,980 $3,541 $2,530

Cheapest Clay, KY Car Insurance for Teen Drivers

Teen car insurance in Clay, KY 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, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,301 $12,695
GEICO $6,831 $8,150
Liberty Mutual $10,031 $11,097
Nationwide $6,037 $7,550
Progressive $9,746 $11,021
State Farm $7,145 $9,011
Travelers $10,535 $16,904
USAA $4,875 $5,165

Cheapest Clay, KY Car Insurance for Seniors

Take a look at Clay, KY 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, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,882 $3,080
GEICO $3,608 $3,267
Liberty Mutual $2,175 $2,428
Nationwide $2,519 $2,640
Progressive $1,894 $1,919
State Farm $2,093 $2,093
Travelers $2,169 $2,175
USAA $1,693 $1,740

Cheapest Clay, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Clay, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,264
GEICO $6,862
Liberty Mutual $4,559
Nationwide $4,997
Progressive $4,045
State Farm $3,822
Travelers $6,674
USAA $3,541

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Cheapest Clay, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Clay, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,492 $5,492
GEICO $4,191 $4,270
Liberty Mutual $4,572 $4,572
Nationwide $3,845 $3,845
Progressive $4,273 $4,273
State Farm $3,731 $3,913
Travelers $5,155 $5,155
USAA $2,683 $2,894

The Best Cheap Car Insurance Companies in Clay, KY

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

Average Annual Car Insurance Rates by Company in Clay, Kentucky

Insurance Company Average Annual Rates
Allstate $5,492
GEICO $4,231
Liberty Mutual $4,572
Nationwide $3,845
Progressive $4,273
State Farm $3,822
Travelers $5,155
USAA $2,789

Category Winners: Cheapest Car Insurance in Clay, Kentucky

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

Best Annual Car Insurance Rates by Company in Clay, Kentucky

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, KY 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, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Clay, Kentucky

Insurance Company Low Medium High
Allstate $5,171 $5,474 $5,831
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,393 $4,548 $4,775
Nationwide $3,908 $3,801 $3,826
Progressive $4,005 $4,233 $4,583
State Farm $3,623 $3,818 $4,025
Travelers $4,897 $5,179 $5,389
USAA $2,673 $2,783 $2,910

What affects car insurance rates in Clay, Kentucky?

What factors can have an impact on Clay, KY 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, Kentucky.

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, KY is 24.9 minutes according to City-Data.

Compare Car Insurance Quotes in Clay, KY

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

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