Cheapest Car Insurance Quotes in Stonegate

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Stonegate Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Stonegate

The car insurance rate in Stonegate is $1193 for a six-month policy, which is $46 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $383, making it a popular choice for budget-conscious drivers. Rates in Stonegate can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Stonegate

$1193

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Stonegate

1st place: Colorado Farm Bureau

At $383 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $420 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $630 for six months, making it the third cheapest auto insurance company in Stonegate.

Stonegate Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stonegate, CO is Colorado Farm Bureau, offering policies at just $383 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $420.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1532 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stonegate drivers find the best deals.

Cheap Car Insurance Companies in Stonegate, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$383	$66
American National P&C	$420	$70
Auto-Owners Insurance Co	$630	$107
Acuity	$685	$114
Colorado Farm Bureau Mutual	$803	$136
American Family	$1007	$170
American National	$1038	$177
Auto-Owners	$1118	$186
USAA	$1149	$193
State Farm	$1204	$203
Progressive	$1273	$214
Allstate	$1779	$300
Farm Bureau	$1779	$303
Nationwide	$2076	$346
Farmers	$2224	$374
California Casualty	$1532	$256

Key Takeaways

Way's key takeaways about car insurance in Stonegate

The auto insurance costs in Stonegate fall around $383 for six months.
The cheapest auto insurance company in Stonegate is Colorado Farm Bureau.
Teen drivers pay the highest rate in Stonegate at $1406 per month.

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Cheapest Minimum Liability Car Insurance in Stonegate

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Stonegate are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Stonegate. Their Average 6 Month Premium is $149. California Casualty is the most expensive at $216 for the same period.

Cheapest Liability Coverage in Stonegate, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$149	$25
American National P&C	$160	$27
American National	$191	$32
Colorado Farm Bureau Mutual	$223	$37
USAA	$254	$43
Auto-Owners Insurance Co	$290	$49
Farm Bureau	$296	$50
Progressive	$309	$52
Acuity	$315	$53
State Farm	$346	$58
American Family	$353	$59
Auto-Owners	$414	$71
Allstate	$679	$114
Nationwide	$685	$116
Farmers	$692	$116
California Casualty	$216	$36

Cheapest Full Coverage Car Insurance in Stonegate

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Stonegate is Colorado Farm Bureau at $66 per month and $383 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stonegate, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$383	$66
American National P&C	$420	$70
Auto-Owners Insurance Co	$630	$107
Acuity	$685	$114
Colorado Farm Bureau Mutual	$803	$136
American Family	$1007	$170
American National	$1038	$177
Auto-Owners	$1118	$186
USAA	$1149	$193
State Farm	$1204	$203
Progressive	$1273	$214
Allstate	$1779	$300
Farm Bureau	$1779	$303
Nationwide	$2076	$346
Farmers	$2224	$374
California Casualty	$1532	$256

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Average Car Insurance in Stonegate by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Stonegate, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Stonegate, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Stonegate's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Stonegate

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$886
30s	USAA	$650
40s	USAA	$561
50s	USAA	$567
60s	USAA	$577
70s	USAA	$676

Cheapest Car Insurance Rates for Teen Drivers in Stonegate,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Stonegate at $26 per month. At $8352 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$155	$26
American National P&C	$191	$32
California Casualty	$216	$36
Colorado Farm Bureau	$271	$46
Auto-Owners Insurance Co	$395	$66
Colorado Farm Bureau Mutual	$1414	$240
USAA	$1668	$281
American Family	$2070	$348
State Farm	$2725	$459
Progressive	$3385	$570
Auto-Owners	$3657	$609
Allstate	$3707	$624
Nationwide	$6659	$1110
Farmers	$8352	$1406

Teen Car Insurance Rates in CO by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Stonegate.

As young drivers face the highest rates in Stonegate, USAA offers the cheapest auto insurance rates at $886 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Stonegate, Colorado Farm Bureau is the cheapest car insurance provider. At $290 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Stonegate is State Farm, offering rates of around $4003 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$290	$49
Acuity	$445	$74
American Family	$1322	$223
Progressive	$1366	$230
USAA	$1915	$326
Farmers	$2427	$409
Allstate	$3108	$528
Nationwide	$3156	$526
Auto-Owners	$3385	$575
State Farm	$4003	$668

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Car Insurance Rates with An Accident in Stonegate

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Stonegate, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Stonegate

The cheapest car insurance companies after an at-fault accident in Stonegate include Colorado Farm Bureau and American National, offering $185 and $216, respectively. Nationwide is an expensive provider with an average six-month premium of $3620.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$185	$31
American National	$216	$36
American National P&C	$229	$38
Farm Bureau	$290	$49
California Casualty	$420	$70
State Farm	$945	$159
Colorado Farm Bureau Mutual	$970	$161
USAA	$970	$163
American Family	$1217	$205
Progressive	$1699	$286
Auto-Owners	$1860	$310
Allstate	$2570	$433
Farmers	$3058	$515
Nationwide	$3620	$616

Stonegate Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stonegate CO. For example, the car insurance in Stonegate after a DUI increases to $1099 for a six month policy. While the rate increases by $321 for a six-month policy in the case of a speeding ticket.

Stonegate auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1378	$230
One Med/PIP claim	$1384	$235
Not-at-fault accident	$1408	$235
One comp claim	$1414	$240
Two Med/PIP claims	$1414	$236
Two comp claims	$1471	$250
Failure to wear a seat belt	$1538	$257
Failure to show documents	$1551	$264
Child safety restraint	$1569	$261
Driving without lights	$1569	$267
Driving with expired registration	$1631	$271
Texting while driving	$1649	$281
At-fault accident - less than $1000	$1662	$277
Cell phone violation	$1668	$284
Failure to yield	$1668	$278
Following too closely	$1668	$284
Illegal turn	$1668	$278
Failure to stop at a red light	$1674	$285
Driving too slowly	$1681	$280
Improper passing	$1687	$287
Wrong way/wrong lane	$1693	$282
Speeding 6 - 10 MPH over limit	$1699	$289
Speeding 11 - 15 MPH over limit	$1705	$284
Speeding 16 - 20 MPH over limit	$1705	$290
Speeding in school zone	$1711	$285
Passing school bus	$1742	$296
In 65 MPH zone	$1853	$309
Operating a vehicle without permission	$1860	$316
Speeding 21 - 25 MPH over limit	$1884	$314
Open container	$1933	$329
At-fault accident - $1000-$2000	$2032	$339
At-fault accident - greater than $2000	$2076	$353
Driving with a suspended license	$2175	$362
Reckless driving	$2397	$408
Refusal to submit to a chemical test	$2421	$404
Racing	$2446	$416
DUI	$2477	$413
Leaving scene of an accident/hit and run	$2570	$437

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Stonegate after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Stonegate.

The cheapest car insurance premiums in Stonegate are offered by Colorado Farm Bureau at $216 for a six-month policy. However, it can be as expensive as $4874 with companies like Nationwide.

Stonegate car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$216	$36
American National	$229	$38
American National P&C	$259	$44
Farm Bureau	$340	$58
Colorado Farm Bureau Mutual	$988	$164
Progressive	$1050	$177
State Farm	$1069	$180
American Family	$1309	$220
USAA	$1390	$234
Farmers	$1903	$320
Allstate	$2217	$373
Auto-Owners	$2311	$393
Nationwide	$4874	$812

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Stonegate are offered by American National P&C at $191. However, it can be as expensive as $3570 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Stonegate after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$191	$32
Colorado Farm Bureau	$198	$33
Auto-Owners Insurance Co	$315	$54
State Farm	$704	$119
American Family	$914	$154
Auto-Owners	$1162	$193
USAA	$1180	$201
Progressive	$1211	$204
Allstate	$2038	$346
Nationwide	$2990	$498
Farmers	$3570	$607

Car Insurance Price Trends in Stonegate, Colorado

Car insurance rates in Stonegate have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Stonegate rose by $244 in December compared to $239 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Stonegate rose to $60 in December, compared to $54 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Stonegate?

The car insurance in Stonegate is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Stonegate?

The cheapest car insurance in Stonegate is $66 per month for full coverage.

How much is car insurance in Stonegate for teenagers?

Car insurance for teenagers costs $155 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Stonegate?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $201 per month to insure your car in Stonegate.

Is car insurance expensive in Stonegate?

Car insurance can be expensive in Stonegate if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Stonegate can be affordable.

What is the best car insurance in Stonegate, CO?

The best car insurance company in Stonegate CO is Colorado Farm Bureau, offering $383 for a six-month policy.