Cheapest Car Insurance Quotes in Stony Prairie

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Stony Prairie Car Insurance

^$ 18

/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 Stony Prairie

The car insurance rate in Stony Prairie is $568 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $202, making it a popular choice for budget-conscious drivers. Rates in Stony Prairie 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 Stony Prairie

$568

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Stony Prairie

1st place: American Family

At $202 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $323 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $505 for six months, making it the third cheapest auto insurance company in Stony Prairie.

Stony Prairie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stony Prairie, OH is American Family, offering policies at just $202 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $323.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $646 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stony Prairie drivers find the best deals.

Cheap Car Insurance Companies in Stony Prairie, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Auto-Owners Insurance Co	$323	$54
Travelers	$505	$86
Erie	$510	$86
State Farm	$515	$88
USAA	$515	$87
Hastings Mutual	$525	$89
Nationwide	$530	$89
Central Mutual	$611	$104
Progressive	$616	$104
Farmers	$747	$127
Grange	$798	$133
Allstate	$914	$154
Westfield	$646	$110

Key Takeaways

Way's key takeaways about car insurance in Stony Prairie

The auto insurance costs in Stony Prairie fall around $202 for six months.
The cheapest auto insurance company in Stony Prairie is American Family.
Teen drivers pay the highest rate in Stony Prairie at $601 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Stony Prairie

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 Stony Prairie are given below.

American Family provides the cheapest minimum car insurance coverage in Stony Prairie. Their Average 6 Month Premium is $106. Allstate is the most expensive at $383 for the same period.

Cheapest Liability Coverage in Stony Prairie, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$106	$18
Central Mutual	$116	$20
Auto-Owners Insurance Co	$127	$21
Westfield	$131	$22
USAA	$136	$23
Erie	$151	$26
State Farm	$167	$28
Progressive	$182	$31
Nationwide	$202	$34
Travelers	$212	$36
Auto-Owners	$222	$37
Farmers	$283	$48
Grange	$308	$51
Allstate	$383	$65

Cheapest Full Coverage Car Insurance in Stony Prairie

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 Stony Prairie is American Family at $34 per month and $202 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stony Prairie, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Auto-Owners Insurance Co	$323	$54
Travelers	$505	$86
Erie	$510	$86
State Farm	$515	$88
USAA	$515	$87
Hastings Mutual	$525	$89
Nationwide	$530	$89
Central Mutual	$611	$104
Progressive	$616	$104
Farmers	$747	$127
Grange	$798	$133
Allstate	$914	$154
Westfield	$646	$110

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Average Car Insurance in Stony Prairie 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 Stony Prairie, OH increasing?

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

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

Car Insurance Premiums by Age in Stony Prairie

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	$458
30s	USAA	$324
40s	USAA	$294
50s	USAA	$272
60s	USAA	$286
70s	USAA	$346

Cheapest Car Insurance Rates for Teen Drivers in Stony Prairie,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Stony Prairie at $19 per month. At $3534 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$111	$19
Westfield	$136	$23
USAA	$702	$118
Erie	$747	$126
Travelers	$914	$154
Nationwide	$1424	$240
Progressive	$1429	$241
Allstate	$1944	$327
State Farm	$2095	$356
Grange	$2313	$385
Farmers	$3534	$601

Teen Car Insurance Rates in OH by Age

Way Tip

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

As young drivers face the highest rates in Stony Prairie, USAA offers the cheapest auto insurance rates at $458 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 Stony Prairie, American Family is the cheapest car insurance provider. At $172 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 Stony Prairie is Allstate, offering rates of around $1459 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$172	$29
Westfield	$217	$37
Nationwide	$575	$97
Erie	$596	$100
Progressive	$596	$100
USAA	$646	$108
Grange	$661	$111
Allstate	$1459	$243

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Stony Prairie.

Car Insurance Rates with An Accident in Stony Prairie

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 Stony Prairie, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Stony Prairie

The cheapest car insurance companies after an at-fault accident in Stony Prairie include Central Mutual and American Family, offering $116 and $131, respectively. Frankenmuth is an expensive provider with an average six-month premium of $207.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$116	$20
American Family	$131	$22
Auto-Owners Insurance Co	$202	$34
Westfield	$202	$34
Erie	$278	$47
Nationwide	$581	$98
Travelers	$778	$131
Grange	$974	$166
USAA	$1025	$173
Auto-Owners	$1156	$195
Progressive	$1636	$275
Allstate	$1929	$325
State Farm	$3878	$646
Frankenmuth	$207	$35

Stony Prairie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stony Prairie OH. For example, the car insurance in Stony Prairie after a DUI increases to $591 for a six month policy. While the rate increases by $131 for a six-month policy in the case of a speeding ticket.

Stony Prairie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$621	$104
One Med/PIP claim	$636	$108
Not-at-fault accident	$646	$108
One comp claim	$661	$112
Two Med/PIP claims	$661	$111
Two comp claims	$692	$117
Failure to show documents	$697	$116
Driving without lights	$712	$121
Failure to wear a seat belt	$712	$119
Child safety restraint	$727	$123
Driving with expired registration	$727	$122
Driving too slowly	$752	$128
Speeding 11 - 15 MPH over limit	$752	$126
Speeding 6 - 10 MPH over limit	$752	$128
Speeding in school zone	$752	$126
Cell phone violation	$757	$129
Failure to yield	$757	$127
Following too closely	$757	$129
Illegal turn	$757	$127
Texting while driving	$757	$129
Wrong way/wrong lane	$757	$127
Failure to stop at a red light	$762	$130
Improper passing	$768	$128
Speeding 16 - 20 MPH over limit	$768	$131
At-fault accident - less than $1000	$793	$132
Passing school bus	$798	$136
Speeding 21 - 25 MPH over limit	$818	$136
In 65 MPH zone	$828	$141
At-fault accident - $1000-$2000	$914	$152
At-fault accident - greater than $2000	$919	$156
Open container	$919	$153
Operating a vehicle without permission	$924	$157
Reckless driving	$1171	$196
Racing	$1192	$202
Refusal to submit to a chemical test	$1192	$199
Driving with a suspended license	$1202	$204
DUI	$1212	$202
Leaving scene of an accident/hit and run	$1247	$212

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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 Stony Prairie 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 Stony Prairie.

The cheapest car insurance premiums in Stony Prairie are offered by American Family at $131 for a six-month policy. However, it can be as expensive as $1278 with companies like Grange.

Stony Prairie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$131	$22
Erie	$394	$66
Travelers	$419	$71
Progressive	$490	$82
USAA	$510	$86
Nationwide	$742	$125
State Farm	$813	$139
Farmers	$1010	$168
Allstate	$1237	$208
Grange	$1278	$213

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 Stony Prairie are offered by American Family at $131. However, it can be as expensive as $1146 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Stony Prairie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$131	$22
Auto-Owners Insurance Co	$131	$22
Westfield	$141	$24
Erie	$293	$49
USAA	$464	$77
Nationwide	$485	$82
Progressive	$510	$86
Allstate	$1111	$189
Grange	$1146	$191

Car Insurance Price Trends in Stony Prairie, Ohio

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

The average cost of full coverage in the Stony Prairie rose by $101 in December compared to $99 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 Stony Prairie rose to $31 in December, compared to $30 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Stony Prairie?

The car insurance in Stony Prairie is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Stony Prairie?

The cheapest car insurance in Stony Prairie is $34 per month for full coverage.

How much is car insurance in Stony Prairie for teenagers?

Car insurance for teenagers costs $111 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 Stony Prairie?

The average cost of car insurance is $668 for a six-month policy. It will cost around $95 per month to insure your car in Stony Prairie.

Is car insurance expensive in Stony Prairie?

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

Cheapest Car Insurance Quotes in Stony Prairie

Why you can trust Way?

How Much Is Car Insurance in Stony Prairie

Avg. Car Insurance in Stony Prairie

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Stony Prairie

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Stony Prairie Car Insurance Rates by Company

Cheap Car Insurance Companies in Stony Prairie, OH

Way's key takeaways about car insurance in Stony Prairie

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stony Prairie

Cheapest Liability Coverage in Stony Prairie, OH

Cheapest Full Coverage Car Insurance in Stony Prairie

Cheapest Full Coverage Car Insurance Quotes in Stony Prairie, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stony Prairie by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Stony Prairie, OH increasing?

Car Insurance Premiums by Age in Stony Prairie

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stony Prairie,OH

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

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 Stony Prairie

Cheapest Car Insurance Companies after an At-Fault Accident in Stony Prairie

Stony Prairie Car Insurance Rates by Violation

Stony Prairie auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stony Prairie after a DUI

Stony Prairie car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stony Prairie after Speeding ticket

Car Insurance Price Trends in Stony Prairie, Ohio

Average Car Insurance Cost in Stony Prairie by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stony Prairie, OH

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

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