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Get Cheap Car Insurance in Clayton, MO
We monitor insurance prices, helping the average driver in Clayton save up to 28.5% on car insurance.
The Cheapest Minimum Coverage in Clayton
The chart below shows the cheapest car insurance company in Clayton for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Travelers, Safeco Insurance, and Clearcover.
| Clayton Insurer | Monthly Cost |
|---|---|
| State Farm | $73 |
| Travelers | $73 |
| Safeco Insurance | $74 |
| Clearcover | $80 |
Savings for Every Kind of Clayton Driver
Based on our extensive insurance data, we know the average Clayton driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $518 per year by choosing the right vehicle insurance company. Some Clayton residents are paying out over $1,920 extra every year for auto insurance in Clayton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Clayton, MO Savings / Yr. |
|---|---|
$518 |
|
$723 |
|
$661 |
|
$740 |
|
$1,561 |
|
$403 |
|
$618 |
Clayton Car Insurance vs. Missouri
People living in Clayton pay an average of 6.62% more than the typical driver in the state. The average driver in Clayton can expect to pay about $1,182 per year, or $1,920 for full coverage.
Based on our analysis, Clearcover will be the cheapest provider in Clayton for most people.
Car Insurance Prices by Clayton Neighborhood
Insurance Prices
Where is insurance cheapest within Clayton?
The map shows insurance prices in and around Clayton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $168 per year within the city boundaries, with insurance premiums ranging from a high of $1,995 to a low of $1,827. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the South parts of Clayton.Pick the Best Car Insurance Company for You in Clayton
The best car insurance provider for most drivers in Clayton
For drivers with clean driving records and no major strikes, Clearcover is the best option, with annual savings of $518 over the average Clayton car insurance company.
The best car insurance provider for Clayton drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $723 over the competition.
The best car insurance company for Clayton drivers with speeding tickets
>Clearcover gave the average person with a speeding ticket the most savings, averaging $661 better than other car insurance companies.
The best auto insurance for Clayton drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $740 less each year.
The least expensive car insurance company for new and young drivers in Clayton
In Clayton, Travelers costs young drivers $1,561 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Clayton
State Farm gave the largest car insurance discounts to married couples, averaging $403 saved each year compared to an average Clayton couple's premiums.
The cheapest car insurance in Clayton for drivers with bad credit
The best Clayton car insurance company for customer service
Recent price drops
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The cheapest large national provider in Clayton
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Clayton driver can expect to pay about $114 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Clayton, USAA has the best prices for drivers with speeding tickets, drivers with bad credit, drivers with a DUI conviction, married couples, good drivers, drivers with accidents, and young drivers.Auto Insurance Prices in and Around Clayton
What Influences the Cost of Car Insurance in Clayton?
On average, car insurance in Clayton is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Missouri state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Clayton are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Clayton is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Clayton is $99 per month for minimum coverage and $160 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Richmond Heights: Insurance costs 0.42% more
- University City: Insurance costs 11.98% more
- Brentwood: Insurance costs 2.24% less
- Maplewood: Insurance costs 2.55% more
- Pagedale: Insurance costs 26.61% more
- Ladue: Insurance costs 1.35% less
- Vinita Terrace: Insurance costs 15.31% more
- Wellston: Insurance costs 22.86% more
- Hanley Hills: Insurance costs 23.28% more
- Vinita Park: Insurance costs 10.94% more
Cities with Similar Populations
- Bennettsville: Insurance costs 10.73% less
- Wilmington: Insurance costs 42.08% less
- Whitewater: Insurance costs 43.23% less
- White House: Insurance costs 29.06% less
- Barnstable Town: Insurance costs 13.54% less
- White Center: Insurance costs 9.06% less
- Westwood: Insurance costs 16.51% less
- West Henrietta: Insurance costs 10.52% more
- Bellingham: Insurance costs 19.27% less
- Wauconda: Insurance costs 23.80% less