Compare Clayton, MO Car Insurance Rates (2021)

Car insurance in Clayton, MO averages $350 a month. Clayton, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Clayton car insurance rates, compare quotes from the top car insurance companies in Clayton, MO.

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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

  • The cheapest car insurance company in Clayton for teen drivers is USAA
  • The cheapest car insurance company in Clayton is USAA
  • Average car insurance rates in Clayton, MO are $4,200/year

If you need to buy Clayton, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Clayton, MO is right here.

You’ll find Clayton car insurance rates, the cheapest Clayton, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Clayton, Missouri car insurance rates to Columbia car insurance rates, St. Joseph car insurance rates, and Lee’s Summit car insurance rates.

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

Cheapest Clayton, MO Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Clayton, Missouri

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 $3,772 $3,633 $3,412 $3,521 $10,980 $11,910 $3,567 $3,665
American Family $2,522 $2,522 $2,248 $2,248 $7,020 $9,118 $2,522 $2,940
Farmers $2,740 $2,726 $2,436 $2,587 $11,732 $12,156 $3,123 $3,247
GEICO $2,627 $2,967 $2,089 $2,724 $8,391 $8,807 $2,366 $2,329
Liberty Mutual $3,871 $4,200 $3,185 $3,582 $13,695 $15,216 $4,067 $4,328
Nationwide $1,882 $1,915 $1,687 $1,780 $4,935 $6,298 $2,164 $2,334
Progressive $2,473 $2,238 $2,034 $2,097 $8,814 $9,846 $2,995 $3,031
State Farm $1,755 $1,755 $1,600 $1,600 $5,458 $6,835 $1,985 $2,283
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in Clayton, MO

Every driver must carry the minimum car insurance in Clayton, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in Clayton, Missouri

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 Clayton, MO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Clayton, Missouri

Insurance Company Poor Fair Good
Allstate $7,702 $4,926 $4,044
American Family $5,090 $3,577 $3,012
Farmers $5,792 $4,863 $4,625
GEICO $5,589 $3,628 $2,895
Liberty Mutual $9,370 $5,706 $4,478
Nationwide $3,388 $2,805 $2,431
Progressive $4,832 $4,026 $3,715
State Farm $4,114 $2,566 $2,048
USAA $4,567 $2,109 $1,505

Cheapest Clayton, MO 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 Clayton, MO to rates for a clean record with top companies.

Annual Clayton, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,729 $5,375 $6,740 $5,386
American Family $2,904 $4,168 $5,172 $3,326
Farmers $4,377 $5,505 $5,377 $5,114
GEICO $3,094 $4,077 $5,605 $3,373
Liberty Mutual $4,713 $6,807 $7,004 $7,548
Nationwide $2,231 $2,900 $3,913 $2,454
Progressive $3,571 $4,935 $4,007 $4,251
State Farm $2,647 $3,172 $2,909 $2,909
USAA $2,179 $2,649 $3,694 $2,385

Cheapest Clayton, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Clayton, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,980 $11,910
American Family $7,020 $9,118
Farmers $11,732 $12,156
GEICO $8,391 $8,807
Liberty Mutual $13,695 $15,216
Nationwide $4,935 $6,298
Progressive $8,814 $9,846
State Farm $5,458 $6,835
USAA $5,002 $6,115

Cheapest Clayton, MO Car Insurance for Seniors

Take a look at Clayton, MO 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 Clayton, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,412 $3,521
American Family $2,248 $2,248
Farmers $2,436 $2,587
GEICO $2,089 $2,724
Liberty Mutual $3,185 $3,582
Nationwide $1,687 $1,780
Progressive $2,034 $2,097
State Farm $1,600 $1,600
USAA $1,491 $1,518

Cheapest Clayton, MO Car Insurance Rates After a DUI

A DUI in Clayton, MO increases car insurance rates. Compare Clayton, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Clayton, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,740
American Family $5,172
Farmers $5,377
GEICO $5,605
Liberty Mutual $7,004
Nationwide $3,913
Progressive $4,007
State Farm $2,909
USAA $3,694

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Cheapest Clayton, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Clayton, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,558 $5,558
American Family $3,855 $3,931
Farmers $5,093 $5,093
GEICO $3,964 $4,111
Liberty Mutual $6,518 $6,518
Nationwide $2,875 $2,875
Progressive $4,191 $4,191
State Farm $2,837 $2,981
USAA $2,630 $2,824

The Best Cheap Car Insurance Companies in Clayton, MO

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

Average Annual Car Insurance Rates by Company in Clayton, Missouri

Insurance Company Average Annual Rates
Allstate $5,558
American Family $3,893
Farmers $5,093
GEICO $4,037
Liberty Mutual $6,518
Nationwide $2,875
Progressive $4,191
State Farm $2,909
USAA $2,727

Category Winners: Cheapest Car Insurance in Clayton, Missouri

Find the cheapest car insurance companies in Clayton, MO for each category right here.

Best Annual Car Insurance Rates by Company in Clayton, Missouri

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

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Cheapest Clayton, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Clayton, Missouri

Insurance Company Low Medium High
Allstate $5,304 $5,545 $5,824
American Family $3,768 $4,015 $3,896
Farmers $4,752 $5,044 $5,484
GEICO $3,706 $4,073 $4,333
Liberty Mutual $6,110 $6,552 $6,893
Nationwide $2,693 $2,903 $3,028
Progressive $3,678 $4,206 $4,689
State Farm $2,693 $2,922 $3,113
USAA $2,627 $2,720 $2,834

What affects car insurance rates in Clayton, Missouri?

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

Commute Time in Clayton

The more time you spend in your car the higher the risk of an accident. The average commute length in Clayton, MO is 16.3 minutes according to City-Data.

Compare Car Insurance Quotes in Clayton, MO

Ready to find affordable Clayton, Missouri car insurance today? Enter your ZIP code for fast, free Clayton, MO car insurance quotes.

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