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Finding the cheapest car insurance quotes in Stopover shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Stopover
The car insurance rate in Stopover is $1472 for a six-month policy, which is $382 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $586, making it a popular choice for budget-conscious drivers. Rates in Stopover 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.
At $586 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 $641 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 $842
for six months, making it
the third cheapest auto insurance company in Stopover.
Stopover Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Stopover, KY is AutoOwners Insurance Co, offering policies at just $586 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $641.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3432 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stopover drivers find the best deals.
Way's key takeaways about car insurance in Stopover
The auto insurance costs in Stopover fall around $586 for six
months.
The cheapest auto insurance company in Stopover is Cincinnati.
Teen drivers pay the highest rate in Stopover at $1725 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Stopover
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 Stopover are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Stopover. Their Average 6 Month Premium is $201.
Allstate is the most
expensive at $1283 for the same
period.
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 Stopover is AutoOwners Insurance Co
at $97 per month and $586
for six months.
Cheapest Full Coverage Car Insurance Quotes in Stopover,
KY
Get Your Car Insurance Quote in Stopover
Instantly!
Average Car Insurance in Stopover 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 Stopover, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Stopover, 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, Stopover's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Stopover
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
$1288
30s
Auto-Owners
$976
40s
Auto-Owners
$954
50s
Auto-Owners
$911
60s
USAA
$948
70s
State Farm
$1056
Cheapest Car Insurance Rates for Teen Drivers in
Stopover,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Stopover at $43
per
month. At $10353 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Stopover.
As young drivers face the highest rates in Stopover, USAA
offers the cheapest auto insurance rates at $1288 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 Stopover,
Cincinnati is
the cheapest car insurance provider. At $344 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
Stopover is Allstate, offering
rates of around $7282 for six
months.
Save up to $971/yr on car insurance rates in Stopover.
Car Insurance Rates with An Accident in Stopover
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 Stopover, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Stopover
The cheapest car insurance companies after an at-fault accident in
Stopover include AutoOwners Insurance Co
and Electric, offering $409
and $409,
respectively. Allstate is an expensive provider
with an average six-month premium of
$5108.
Here is a list of driving violations that can increase your car
insurance rates in Stopover KY. For example, the car
insurance in Stopover
after a DUI increases to $1677 for a six
month policy. While the rate increases by $425 for a six-month policy in the case of
a speeding ticket.
Stopover auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1956
$327
One Med/PIP claim
$1972
$335
Two Med/PIP claims
$2053
$342
Not-at-fault accident
$2109
$359
One comp claim
$2141
$356
Failure to wear a seat belt
$2165
$369
Failure to show documents
$2237
$373
Two comp claims
$2237
$381
Driving without lights
$2245
$374
Child safety restraint
$2269
$386
Cell phone violation
$2357
$393
Driving with expired registration
$2365
$402
Texting while driving
$2365
$394
Driving too slowly
$2381
$405
Failure to stop at a red light
$2381
$397
Failure to yield
$2381
$405
Speeding 6 - 10 MPH over limit
$2381
$397
Speeding in school zone
$2381
$405
Following too closely
$2390
$398
Illegal turn
$2390
$406
Speeding 11 - 15 MPH over limit
$2390
$398
Wrong way/wrong lane
$2390
$406
Improper passing
$2398
$400
Speeding 16 - 20 MPH over limit
$2398
$408
Speeding 21 - 25 MPH over limit
$2446
$408
In 65 MPH zone
$2462
$419
Passing school bus
$2502
$417
Open container
$2566
$436
At-fault accident - less than $1000
$2614
$436
Operating a vehicle without permission
$2807
$478
At-fault accident - $1000-$2000
$2839
$473
At-fault accident - greater than $2000
$2839
$483
Reckless driving
$3568
$595
Refusal to submit to a chemical test
$3617
$616
DUI
$3633
$605
Driving with a suspended license
$3641
$620
Racing
$3657
$609
Leaving scene of an accident/hit and run
$3696
$629
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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 Stopover 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 Stopover.
The cheapest car insurance premiums in
Stopover are
offered by Cincinnati at $537 for a six-month policy.
However, it can be as
expensive as $5814 with companies
like Nationwide.
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 Stopover are offered by Cincinnati
at $240. However,
it can be as expensive as $4001
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Stopover after Speeding ticket
Car insurance rates in Stopover have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Stopover rose by
$305 in January
compared to $300 of December. In other words, there has been an increase by $5 when you
compare January and December.
The average cost of liability insurance in the Stopover dipped to $82 in January,
compared to $84 in December.
This represents an decrease of $2
when comparing January and December.
Average Car Insurance Cost in Stopover by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Stopover. At $2943 for a
six-month policy, insuring
your car at 41568 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Stopover?
The car insurance in Stopover is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Stopover?
The cheapest car insurance in Stopover
is $97 per month
for full coverage.
How much is car insurance in Stopover for teenagers?
Car insurance for teenagers costs $257 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
Stopover?
The average cost of car insurance is $1090 for a six-month
policy. It will cost around $247 per month to insure your
car in Stopover.
Is car insurance expensive in Stopover?
Car insurance can be expensive in Stopover if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Stopover can be
affordable.
What is the best car insurance in Stopover,
KY?
The best car insurance company in Stopover
KY is
AutoOwners Insurance Co, offering $586 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Stopover, KY
Car Insurance Rates by State in the USA (2025 Update)
Stopover Car Insurance
