Cheapest Car Insurance Quotes in Stanton

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Stanton Car Insurance

^$ 26

/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 Stanton

The car insurance rate in Stanton is $1123 for a six-month policy, which is $33 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $447, making it a popular choice for budget-conscious drivers. Rates in Stanton 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 Stanton

$1123

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Stanton

1st place: AutoOwners Insurance Co

At $447 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $489 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $643 for six months, making it the third cheapest auto insurance company in Stanton.

Stanton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stanton, KY is AutoOwners Insurance Co, offering policies at just $447 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $489.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2618 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stanton drivers find the best deals.

Cheap Car Insurance Companies in Stanton, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$447	$74
Cincinnati	$489	$83
Kentucky Farm Bureau	$643	$108
Travelers	$868	$146
Shelter	$972	$164
USAA	$1003	$169
Auto-Owners	$1187	$198
Electric	$1187	$202
State Farm	$1187	$200
Farm Bureau	$1248	$212
Progressive	$1321	$222
Nationwide	$1426	$240
Allstate	$2618	$437

Key Takeaways

Way's key takeaways about car insurance in Stanton

The auto insurance costs in Stanton fall around $447 for six months.
The cheapest auto insurance company in Stanton is Cincinnati.
Teen drivers pay the highest rate in Stanton at $1316 per month.

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Cheapest Minimum Liability Car Insurance in Stanton

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 Stanton are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Stanton. Their Average 6 Month Premium is $153. Allstate is the most expensive at $979 for the same period.

Cheapest Liability Coverage in Stanton, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$153	$26
Auto-Owners Insurance Co	$208	$35
Kentucky Farm Bureau	$233	$39
Electric	$251	$42
USAA	$306	$52
Travelers	$324	$55
Westfield	$343	$59
Farm Bureau	$361	$61
State Farm	$373	$63
Progressive	$410	$69
Shelter	$422	$71
Auto-Owners	$489	$81
Nationwide	$581	$98
Allstate	$979	$163

Cheapest Full Coverage Car Insurance in Stanton

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 Stanton is AutoOwners Insurance Co at $74 per month and $447 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stanton, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$447	$74
Cincinnati	$489	$83
Kentucky Farm Bureau	$643	$108
Travelers	$868	$146
Shelter	$972	$164
USAA	$1003	$169
Auto-Owners	$1187	$198
Electric	$1187	$202
State Farm	$1187	$200
Farm Bureau	$1248	$212
Progressive	$1321	$222
Nationwide	$1426	$240
Allstate	$2618	$437

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Average Car Insurance in Stanton 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 Stanton, KY increasing?

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

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

Car Insurance Premiums by Age in Stanton

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	$983
30s	Auto-Owners	$745
40s	Auto-Owners	$728
50s	Auto-Owners	$695
60s	USAA	$723
70s	State Farm	$805

Cheapest Car Insurance Rates for Teen Drivers in Stanton,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Stanton at $33 per month. At $7899 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$196	$33
Auto-Owners Insurance Co	$294	$49
Kentucky Farm Bureau	$979	$165
Travelers	$1419	$239
USAA	$1664	$280
Farm Bureau	$1885	$317
Shelter	$2031	$342
State Farm	$2300	$387
Auto-Owners	$3218	$547
Progressive	$4031	$679
Nationwide	$7874	$1339
Allstate	$7899	$1316

Teen Car Insurance Rates in KY by Age

Way Tip

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

As young drivers face the highest rates in Stanton, USAA offers the cheapest auto insurance rates at $983 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 Stanton, Cincinnati is the cheapest car insurance provider. At $263 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 Stanton is Allstate, offering rates of around $5556 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$263	$44
Travelers	$1193	$201
Progressive	$1230	$207
USAA	$1530	$261
Nationwide	$1933	$325
Shelter	$3273	$556
Auto-Owners	$3346	$558
Farm Bureau	$3818	$649
State Farm	$5066	$845
Allstate	$5556	$945

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Car Insurance Rates with An Accident in Stanton

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 Stanton, KY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Stanton include AutoOwners Insurance Co and Electric, offering $312 and $312, respectively. Allstate is an expensive provider with an average six-month premium of $3898.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$312	$52
Electric	$312	$54
Cincinnati	$331	$55
Farm Bureau	$416	$71
Kentucky Farm Bureau	$453	$76
Travelers	$832	$140
State Farm	$851	$143
USAA	$912	$153
Shelter	$936	$158
Progressive	$1590	$268
Auto-Owners	$1652	$275
Nationwide	$3408	$580
Allstate	$3898	$650

Stanton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stanton KY. For example, the car insurance in Stanton after a DUI increases to $1280 for a six month policy. While the rate increases by $325 for a six-month policy in the case of a speeding ticket.

Stanton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1492	$249
One Med/PIP claim	$1505	$255
Two Med/PIP claims	$1567	$261
Not-at-fault accident	$1609	$274
One comp claim	$1634	$272
Failure to wear a seat belt	$1652	$281
Failure to show documents	$1707	$284
Two comp claims	$1707	$290
Driving without lights	$1713	$285
Child safety restraint	$1731	$295
Cell phone violation	$1798	$300
Driving with expired registration	$1805	$307
Texting while driving	$1805	$301
Driving too slowly	$1817	$309
Failure to stop at a red light	$1817	$303
Failure to yield	$1817	$309
Speeding 6 - 10 MPH over limit	$1817	$303
Speeding in school zone	$1817	$309
Following too closely	$1823	$304
Illegal turn	$1823	$310
Speeding 11 - 15 MPH over limit	$1823	$304
Wrong way/wrong lane	$1823	$310
Improper passing	$1829	$305
Speeding 16 - 20 MPH over limit	$1829	$311
Speeding 21 - 25 MPH over limit	$1866	$311
In 65 MPH zone	$1879	$319
Passing school bus	$1909	$318
Open container	$1958	$333
At-fault accident - less than $1000	$1994	$333
Operating a vehicle without permission	$2141	$365
At-fault accident - $1000-$2000	$2166	$361
At-fault accident - greater than $2000	$2166	$369
Reckless driving	$2722	$454
Refusal to submit to a chemical test	$2759	$470
DUI	$2772	$461
Driving with a suspended license	$2778	$473
Racing	$2790	$465
Leaving scene of an accident/hit and run	$2820	$480

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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 Stanton 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 Stanton.

The cheapest car insurance premiums in Stanton are offered by Cincinnati at $410 for a six-month policy. However, it can be as expensive as $4436 with companies like Nationwide.

Stanton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$410	$70
Allstate	$533	$89
Kentucky Farm Bureau	$545	$93
Travelers	$789	$133
Progressive	$874	$147
Shelter	$942	$159
State Farm	$991	$167
USAA	$1151	$194
Auto-Owners	$2722	$462
Farm Bureau	$2955	$492
Nationwide	$4436	$754

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 Stanton are offered by Cincinnati at $183. However, it can be as expensive as $3053 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Stanton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$183	$31
Kentucky Farm Bureau	$220	$37
Auto-Owners Insurance Co	$251	$42
State Farm	$765	$129
Travelers	$820	$138
Shelter	$857	$144
Progressive	$1076	$181
USAA	$1120	$191
Auto-Owners	$1242	$207
Farm Bureau	$1248	$212
Nationwide	$2239	$373
Allstate	$3053	$519

Car Insurance Price Trends in Stanton, Kentucky

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

The average cost of full coverage in the Stanton rose by $233 in January compared to $229 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Stanton dipped to $63 in January, compared to $64 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Stanton?

The car insurance in Stanton is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Stanton?

The cheapest car insurance in Stanton is $74 per month for full coverage.

How much is car insurance in Stanton for teenagers?

Car insurance for teenagers costs $196 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 Stanton?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $188 per month to insure your car in Stanton.

Is car insurance expensive in Stanton?

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

Cheapest Car Insurance Quotes in Stanton

Why you can trust Way?

How Much Is Car Insurance in Stanton

Avg. Car Insurance in Stanton

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Stanton

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Stanton Car Insurance Rates by Company

Cheap Car Insurance Companies in Stanton, KY

Way's key takeaways about car insurance in Stanton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stanton

Cheapest Liability Coverage in Stanton, KY

Cheapest Full Coverage Car Insurance in Stanton

Cheapest Full Coverage Car Insurance Quotes in Stanton, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stanton by Rating Factor

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

Car Insurance Premiums by Age in Stanton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stanton,KY

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

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Stanton

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

Stanton Car Insurance Rates by Violation

Stanton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stanton after a DUI

Stanton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stanton after Speeding ticket

Car Insurance Price Trends in Stanton, Kentucky

Average Car Insurance Cost in Stanton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stanton, KY

Car Insurance Rates by State in the USA (2025 Update)

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