Cheap Quotes for Clay City, KY Car Insurance (2021)

Clay City, Kentucky car insurance rates average $419 a month and Kentucky law requires coverage of at least 25/50/25. By comparing rates from multiple Clay City, KY companies, you can find cheap Clay City car insurance quotes to fit your needs and budget.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Things to Know

  • Clay City has an average commute time of 22.3 minutes
  • Average car insurance rates in Clay City, KY are $419/month
  • Average car insurance rates in Clay City, KY after a DUI are $6,066/year

How do the Clay City, Kentucky monthly average car insurance rates of $419/month compare to nearby cities like Richmond car insurance rates, Nicholasville car insurance rates, and Independence car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Clay City, KY.

We’ll cover the Kentucky minimum coverage requirements, Kentucky car insurance laws, and Clay City, KY statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Clay City, Kentucky companies to find the most affordable Clay City car insurance rates.

Enter your ZIP code above to find cheap Clay City, KY car insurance quotes today.

What are the minimum Clay City, KY car insurance requirements?

To meet Kentucky minimum car insurance coverage requirements, Clay City, KY drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Clay City, 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

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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

Three of the criteria that most affect car insurance rates in Clay City, Kentucky are age, gender, and marital status. Let’s take a look at how each of these stack up with top Clay City car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Clay City, 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 $3,331 $3,289 $3,009 $3,209 $12,567 $14,122 $3,684 $3,894
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,739 $2,963 $2,353 $2,621 $11,516 $12,697 $2,841 $2,918
Nationwide $5,553 $5,496 $5,015 $5,208 $12,445 $15,350 $6,313 $6,548
Progressive $2,365 $2,243 $2,128 $2,133 $11,700 $13,269 $2,937 $2,999
State Farm $1,720 $1,720 $1,537 $1,537 $4,930 $6,267 $1,915 $2,115
Travelers $2,815 $2,862 $2,788 $2,783 $14,032 $22,442 $2,957 $3,404
USAA $2,054 $2,057 $1,852 $1,882 $5,535 $5,819 $2,597 $2,843

How much do teen drivers pay for car insurance in Clay City, KY?

Clay City, Kentucky car insurance rates for teens are often higher than rates for other drivers. Compare Clay City car insurance rates from multiple Clay City, Kentucky car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Clay City, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,567 $14,122
GEICO $6,635 $7,852
Liberty Mutual $11,516 $12,697
Nationwide $12,445 $15,350
Progressive $11,700 $13,269
State Farm $4,930 $6,267
Travelers $14,032 $22,442
USAA $5,535 $5,819

How much do senior drivers pay for car insurance in Clay City, KY?

With a little research, seniors can find affordable car insurance in Clay City, Kentucky. Here’s a look at how the top Clay City car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Clay City, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,009 $3,209
GEICO $3,309 $2,996
Liberty Mutual $2,353 $2,621
Nationwide $5,015 $5,208
Progressive $2,128 $2,133
State Farm $1,537 $1,537
Travelers $2,788 $2,783
USAA $1,852 $1,882

How does coverage level affect Clay City, KY car insurance rates?

How much coverage do you need? Are you comfortable with the Kentucky minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Clay City, KY car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Clay City, Kentucky

Insurance Company Low Medium High
Allstate $5,501 $5,866 $6,297
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,807 $5,044 $5,392
Nationwide $7,713 $7,608 $7,902
Progressive $4,577 $4,898 $5,439
State Farm $2,528 $2,713 $2,912
Travelers $6,440 $6,795 $7,046
USAA $2,940 $3,072 $3,228

How does your driving record affect Clay City, KY car insurance rates?

Safe driving pays off. The more traffic violations you have in Clay City, KY, the higher your car insurance rates will be. Compare rates based on driving infractions from top Clay City, Kentucky companies.

Annual Clay City, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,863 $6,374 $6,814 $5,501
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $4,226 $6,525 $5,069 $4,504
Nationwide $6,108 $7,969 $10,137 $6,749
Progressive $4,107 $6,100 $4,686 $4,994
State Farm $2,495 $2,940 $2,718 $2,718
Travelers $5,871 $6,042 $8,814 $6,315
USAA $2,318 $3,281 $3,931 $2,790

How does a DUI affect Clay City, KY car insurance rates?

With even one DUI on your record, you can see an increase in your Clay City, KY car insurance rates.

Annual Car Insurance Rates After a DUI in Clay City, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,814
GEICO $6,360
Liberty Mutual $5,069
Nationwide $10,137
Progressive $4,686
State Farm $2,718
Travelers $8,814
USAA $3,931

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

How does your credit history affect Clay City, KY car insurance rates?

Take a look at the data here to see how your Clay City, Kentucky car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Clay City, Kentucky

Insurance Company Poor Fair Good
Allstate $7,792 $5,388 $4,485
GEICO $6,508 $3,249 $2,117
Liberty Mutual $7,260 $4,467 $3,516
Nationwide $9,500 $7,372 $6,351
Progressive $5,551 $4,846 $4,518
State Farm $3,914 $2,377 $1,862
Travelers $7,545 $6,380 $6,356
USAA $4,587 $2,565 $2,088

How does your commute affect Clay City, KY car insurance rates?

Clay City, KY car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Kentucky can be seen here. Remember, though, that you may have to carry substantially more car insurance in Clay City if you’re financing.

Annual Car Insurance Rates by Commute Length in Clay City, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,888 $5,888
GEICO $3,921 $3,995
Liberty Mutual $5,081 $5,081
Nationwide $7,741 $7,741
Progressive $4,972 $4,972
State Farm $2,649 $2,786
Travelers $6,760 $6,760
USAA $2,965 $3,195

Who has the cheapest Clay City, KY car insurance rates?

Here’s a breakdown of Clay City, Kentucky car insurance rates by company. You can see which company offers the cheapest Clay City car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Clay City, Kentucky

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

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What are the top Clay City, KY car insurance companies?

Which Clay City, Kentucky car insurance company will best fit your needs and budget? Check out this comparison of the top Clay City companies to find the one for you.

Average Annual Car Insurance Rates by Company in Clay City, Kentucky

Insurance Company Average Annual Rates
Allstate $5,888
GEICO $3,958
Liberty Mutual $5,081
Nationwide $7,741
Progressive $4,972
State Farm $2,718
Travelers $6,760
USAA $3,080

What factors affect Clay City, KY car insurance rates?

Why are Clay City, Kentucky car insurance rates different than rates in Richmond or Nicholasville? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Clay City, KY?

More time spent behind the wheel can lead to higher Clay City, Kentucky car insurance rates. In Clay City, KY, the average commute length is 22.3 minutes.

Car Insurance Quotes for Clay City, KY

Shop for affordable Clay City, Kentucky car insurance rates today. Enter your ZIP code to compare quotes from multiple Clay City, KY car insurance companies.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption