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How much is car insurance in Clayton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Clayton as it does in the rest of North Carolina.
Compared to the national average cost of auto insurance coverage, Clayton has lower rates. It's around $28 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Although these are the average rates for auto insurance in Clayton, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Clayton so that you can get a more accurate idea of what your policy will cost you. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to go back up once you hit retirement in Clayton.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This is true in Clayton, where male drivers pay about $7 more a month. Based on the chart above, you can see that male drivers pay $56 on average, while female drivers typically pay $49 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Clayton with a single accident on their record is about $96 a month. In addition, drivers with one ticket can expect to pay around $106 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$35|
|15 Years or Older||$62|
The cheapest vehicles to insure in Clayton are typically SUVs, with each type typically costing about $48 per month.
Truck and van drivers will see rates of about $96 to insure their vehicle, while car owners usually pay around $53 per month.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Clayton are vehicles fifteen years and older and six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
More often than not, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Clayton can be as much as $5 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $13 a month more than those who own their own home in Clayton. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Clayton, NC
Recent trends in car insurance for Clayton drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Clayton, the rates for car insurance had been decreasing from 2017-2018, before leveling out in 2019. Policy premiums have been decreasing again recently, and were down to $30 in 2022.
How does Clayton compare to neighboring areas?
Why are car insurance rates in Clayton different from other areas?
Car insurance companies will take into account many factors when deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Road Safety (how many accidents each locality has)
- Off-street parking availability
- Area regulations
- Crime levels
- Total number of drivers
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Clayton?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer plans in Clayton in no time.
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Clayton Insurance FAQs
What factors affect car insurance quotes in Clayton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Clayton different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Clayton?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Clayton?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Clayton or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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