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Get Cheap Car Insurance in Claytown, MS

We monitor insurance prices, helping the average driver in Claytown save up to 32.0% on car insurance.

 

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The Cheapest Minimum Coverage in Claytown

The chart below shows the cheapest car insurance company in Claytown 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 Farm Bureau, Safeco Insurance, and Progressive.

 
Claytown Insurer Monthly Cost
State Farm $61
Farm Bureau $62
Safeco Insurance $64
Progressive $72

Savings for Every Kind of Claytown Driver

The table shows how much the average auto insurance customer in Claytown might save by following our recommendations.

Based on our extensive insurance data, we know the average Claytown driver will save about 17% 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 $281 per year by choosing the right vehicle insurance company. Some Claytown residents are paying out over $1,646 extra every year for auto insurance in Claytown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Claytown, MS Savings / Yr.
Drivers with good records
$281
Drivers with accidents
$469
Drivers with speeding tickets
$366
Drivers with a DUI conviction
$721
Young drivers
$1,671
Married drivers
$241
Drivers with bad credit
$735

Claytown Car Insurance vs. Mississippi

People living in Claytown pay an average of 3.60% less than the typical driver in the state. The average driver in Claytown can expect to pay about $937 per year, or $1,646 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Claytown for most people.

Car Insurance Prices by Claytown Neighborhood

Claytown, MS map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Claytown?

The map shows insurance prices in and around Claytown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $109 per year within the city boundaries, with insurance premiums ranging from a high of $1,710 to a low of $1,601. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Claytown.

Pick the Best Car Insurance Company for You in Claytown

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Claytown insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Claytown

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $281 over the average Claytown car insurance company.

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We use the average good driver, paying $114 per month, as our baseline for pricing in Claytown. State Farm, Geico, and Farm Bureau are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Claytown drivers with accidents on their records

In Claytown getting into an accident will raise premiums an average 31% for a yearly cost of $2,371. That's $725 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Farm Bureau are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $469 over the competition.

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The best car insurance company for Claytown drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $366 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Claytown, tickets raise premiums on new quotes about $419. If you have a speeding ticket, we recommend State Farm, Geico, and Farm Bureau for savings that beat the average insurance cost of $2,066 per year.

The best auto insurance for Claytown drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,837 per year in auto insurance premiums, which was $1,191 more than a driver with no major issues. State Farm, Progressive, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $721 less each year.

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The least expensive car insurance company for new and young drivers in Claytown

In Claytown, Farm Bureau costs young drivers $1,671 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Claytown. With an average cost of $5,217 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Claytown

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $208. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in Claytown.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $241 saved each year compared to an average Claytown couple's premiums.

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The cheapest car insurance in Claytown for drivers with bad credit

People with poor credit saved an average of $735 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,205 every year. Premiums for people with poor credit were about $2,851 in Claytown. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Farm Bureau, and Bristol West.

The best Claytown car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Claytown, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Shelter Insurance as the best provider in Claytown.

Nationwide was the best company for customer service in Claytown according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Claytown, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Claytown. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Claytown

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 37% of Claytown residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Claytown driver can expect to pay about $118 per month.

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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 Claytown, USAA has the best prices for married couples, drivers with bad credit, drivers with a DUI conviction, good drivers, drivers with speeding tickets, drivers with accidents, and young drivers.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Claytown

What Influences the Cost of Car Insurance in Claytown?

On average, car insurance in Claytown is actually less expensive than the rest of the state. These low 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:

  • The average commute time in Claytown is 26 minutes, which is far less than average for a driver in the state.
  • Mississippi state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Claytown are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Claytown is a lightly populated area 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 Claytown is $78 per month for minimum coverage and $137 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

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* Who is the average Claytown driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Claytown with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.