Cheapest Car Insurance Quotes in Stearns

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Stearns Car Insurance

^$ 24

/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 Stearns

The car insurance rate in Stearns is $991 for a six-month policy, which is $31 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $421, making it a popular choice for budget-conscious drivers. Rates in Stearns 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 Stearns

$991

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Stearns

1st place: AutoOwners Insurance Co

At $421 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 $461 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 $605 for six months, making it the third cheapest auto insurance company in Stearns.

Stearns Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stearns, KY is AutoOwners Insurance Co, offering policies at just $421 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $461.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stearns drivers find the best deals.

Cheap Car Insurance Companies in Stearns, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$421	$72
Cincinnati	$461	$77
Kentucky Farm Bureau	$605	$102
Travelers	$790	$133
Farm Bureau	$813	$138
Shelter	$888	$149
Auto-Owners	$951	$162
Nationwide	$956	$161
USAA	$968	$163
State Farm	$1078	$181
Electric	$1117	$190
Progressive	$1245	$210
Allstate	$2443	$411
Grange	$1152	$192

Key Takeaways

Way's key takeaways about car insurance in Stearns

The auto insurance costs in Stearns fall around $421 for six months.
The cheapest auto insurance company in Stearns is Cincinnati.
Teen drivers pay the highest rate in Stearns at $1352 per month.

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Cheapest Minimum Liability Car Insurance in Stearns

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 Stearns are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Stearns. Their Average 6 Month Premium is $145. Allstate is the most expensive at $1009 for the same period.

Cheapest Liability Coverage in Stearns, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$145	$24
Auto-Owners Insurance Co	$196	$33
Kentucky Farm Bureau	$219	$37
Electric	$237	$40
Nationwide	$276	$47
USAA	$288	$49
Farm Bureau	$300	$50
Travelers	$311	$52
Westfield	$323	$53
State Farm	$335	$56
Progressive	$369	$62
Shelter	$392	$66
Auto-Owners	$433	$72
Allstate	$1009	$170

Cheapest Full Coverage Car Insurance in Stearns

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 Stearns is AutoOwners Insurance Co at $72 per month and $421 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stearns, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$421	$72
Cincinnati	$461	$77
Kentucky Farm Bureau	$605	$102
Travelers	$790	$133
Farm Bureau	$813	$138
Shelter	$888	$149
Auto-Owners	$951	$162
Nationwide	$956	$161
USAA	$968	$163
State Farm	$1078	$181
Electric	$1117	$190
Progressive	$1245	$210
Allstate	$2443	$411
Grange	$1152	$192

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Average Car Insurance in Stearns 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 Stearns, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Stearns, 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, Stearns's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Stearns

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	$959
30s	Auto-Owners	$728
40s	Auto-Owners	$711
50s	Auto-Owners	$679
60s	USAA	$706
70s	State Farm	$787

Cheapest Car Insurance Rates for Teen Drivers in Stearns,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Stearns at $31 per month. At $8032 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$184	$31
Auto-Owners Insurance Co	$276	$47
Kentucky Farm Bureau	$922	$155
Travelers	$1245	$210
Farm Bureau	$1268	$213
USAA	$1458	$245
Shelter	$1827	$307
State Farm	$2068	$348
Auto-Owners	$2881	$480
Progressive	$3861	$650
Allstate	$8032	$1352

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 Stearns.

As young drivers face the highest rates in Stearns, USAA offers the cheapest auto insurance rates at $959 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 Stearns, Cincinnati is the cheapest car insurance provider. At $247 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 Stearns is Allstate, offering rates of around $5232 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$247	$42
Nationwide	$369	$63
Travelers	$1037	$175
Progressive	$1187	$200
USAA	$1907	$318
Farm Bureau	$2483	$422
Auto-Owners	$2754	$459
Shelter	$2824	$480
State Farm	$3751	$625
Allstate	$5232	$889

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Car Insurance Rates with An Accident in Stearns

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

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

The cheapest car insurance companies after an at-fault accident in Stearns include AutoOwners Insurance Co and Electric, offering $294 and $294, respectively. Allstate is an expensive provider with an average six-month premium of $4235.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$294	$49
Electric	$294	$50
Cincinnati	$311	$51
Kentucky Farm Bureau	$427	$72
Farm Bureau	$605	$102
Travelers	$743	$125
State Farm	$772	$130
Shelter	$853	$144
USAA	$888	$149
Auto-Owners	$1308	$222
Progressive	$1464	$246
Allstate	$4235	$713

Stearns Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stearns KY. For example, the car insurance in Stearns after a DUI increases to $1204 for a six month policy. While the rate increases by $305 for a six-month policy in the case of a speeding ticket.

Stearns auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1406	$235
One Med/PIP claim	$1417	$241
Two Med/PIP claims	$1475	$245
Not-at-fault accident	$1515	$258
One comp claim	$1538	$256
Failure to wear a seat belt	$1556	$265
Failure to show documents	$1607	$268
Two comp claims	$1607	$274
Driving without lights	$1613	$269
Child safety restraint	$1631	$277
Cell phone violation	$1694	$282
Driving with expired registration	$1699	$289
Texting while driving	$1699	$283
Driving too slowly	$1711	$291
Failure to stop at a red light	$1711	$285
Failure to yield	$1711	$291
Speeding 6 - 10 MPH over limit	$1711	$285
Speeding in school zone	$1711	$291
Following too closely	$1717	$286
Illegal turn	$1717	$292
Speeding 11 - 15 MPH over limit	$1717	$286
Wrong way/wrong lane	$1717	$292
Improper passing	$1723	$287
Speeding 16 - 20 MPH over limit	$1723	$293
Speeding 21 - 25 MPH over limit	$1758	$293
In 65 MPH zone	$1769	$301
Passing school bus	$1797	$300
Open container	$1844	$313
At-fault accident - less than $1000	$1878	$313
Operating a vehicle without permission	$2017	$343
At-fault accident - $1000-$2000	$2040	$340
At-fault accident - greater than $2000	$2040	$347
Reckless driving	$2564	$428
Refusal to submit to a chemical test	$2599	$442
DUI	$2610	$435
Driving with a suspended license	$2616	$445
Racing	$2628	$437
Leaving scene of an accident/hit and run	$2656	$452

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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 Stearns 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 Stearns.

The cheapest car insurance premiums in Stearns are offered by Cincinnati at $386 for a six-month policy. However, it can be as expensive as $2195 with companies like AutoOwners.

Stearns car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$386	$64
Kentucky Farm Bureau	$513	$87
Travelers	$692	$116
Progressive	$841	$142
Shelter	$847	$143
State Farm	$870	$146
USAA	$980	$165
Allstate	$1867	$314
Farm Bureau	$1895	$316
Auto-Owners	$2195	$373

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 Stearns are offered by Cincinnati at $173. However, it can be as expensive as $2875 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Stearns after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$173	$29
Kentucky Farm Bureau	$208	$35
Auto-Owners Insurance Co	$237	$40
State Farm	$651	$110
Travelers	$703	$118
Shelter	$755	$127
Farm Bureau	$813	$138
Progressive	$945	$159
Auto-Owners	$968	$165
USAA	$1164	$194
Allstate	$2875	$489

Car Insurance Price Trends in Stearns, Kentucky

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

The average cost of full coverage in the Stearns rose by $215 in December compared to $213 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Stearns rose to $60 in December, compared to $58 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Stearns?

The car insurance in Stearns is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Stearns?

The cheapest car insurance in Stearns is $72 per month for full coverage.

How much is car insurance in Stearns for teenagers?

Car insurance for teenagers costs $184 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 Stearns?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $167 per month to insure your car in Stearns.

Is car insurance expensive in Stearns?

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

Cheapest Car Insurance Quotes in Stearns

Why you can trust Way?

How Much Is Car Insurance in Stearns

Avg. Car Insurance in Stearns

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Stearns

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Stearns Car Insurance Rates by Company

Cheap Car Insurance Companies in Stearns, KY

Way's key takeaways about car insurance in Stearns

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stearns

Cheapest Liability Coverage in Stearns, KY

Cheapest Full Coverage Car Insurance in Stearns

Cheapest Full Coverage Car Insurance Quotes in Stearns, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stearns by Rating Factor

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

Car Insurance Premiums by Age in Stearns

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stearns,KY

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

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 Stearns

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

Stearns Car Insurance Rates by Violation

Stearns auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stearns after a DUI

Stearns car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stearns after Speeding ticket

Car Insurance Price Trends in Stearns, Kentucky

Average Car Insurance Cost in Stearns by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stearns, KY

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

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