Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Clay after a DUI is USAA
  • Average car insurance rates in Clay, AL for senior drivers are $2,123/year
  • The cheapest car insurance company in Clay for teen drivers is USAA

Average car insurance rates in Clay, Alabama are $339 a month. But with a little research you can get a great deal from the top car insurance companies in Clay, AL. Before you buy Clay, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Clay car insurance rates with Madison car insurance rates, Birmingham car insurance rates, or Auburn car insurance rates to make sure you’re getting the best Clay, AL car insurance quotes available.

Need affordable Clay, AL car insurance? Enter your ZIP code to compare Clay car insurance quotes from multiple car insurance companies near you.

Clay, AL Minimum Car Insurance Coverage

Clay, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

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

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Clay, AL Car Insurance Rates by Coverage Level

Some Clay drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Clay, Alabama car insurance rates may be based on the coverage you need.

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

Clay, AL Car Insurance Rates by Age, Gender, and Marital Status

Clay, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Clay, AL car insurance, get quotes from multiple car insurance companies in the Clay area and see how these criteria affect your 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

Clay, AL Car Insurance Rates for Teens

How much is Clay, Alabama car insurance for teens? Compare rates from top Clay car insurance companies below to help find the cheapest teen car insurance in Clay, AL.

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

Clay, AL Car Insurance Rates for Seniors

Before seniors buy Clay, Alabama car insurance, they should make sure to shop around. Some Clay, AL car insurance companies may offer discounts or other savings options for senior car insurance.

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

Clay, AL Car Insurance Rates by Credit History

How does your credit history affect Clay, AL car insurance rates? Review the numbers here to find out.

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

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Clay, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Clay, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Clay.

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

Clay, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Clay, AL car insurance rates. Compare rates below to see which Clay car insurance company has the best rates for drivers with a DUI.

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

Clay, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Clay, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Clay companies based on commute time.

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

Clay, AL Cheapest Car Insurance Rates

How do the top Clay, Alabama car insurance companies’ average rates stack up against the Clay average monthly car insurance rates of $339? Take a look and see.

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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Clay, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Clay, Alabama car insurance companies to help you find one that best fits 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

Other Factors Affecting Clay, AL Car Insurance Rates

Before you buy Clay, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Clay, AL Commute Time

How does your Clay, AL commute time compare with the average driver? In Clay, the average commute is 32.0 minutes.

Clay, AL Car Insurance Quotes

Compare Clay, AL car insurance quotes from multiple companies by entering your ZIP code now.