Cheapest Car Insurance Quotes in Stony Ridge

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Stony Ridge Car Insurance

^$ 20

/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 Ridge

The car insurance rate in Stony Ridge is $621 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $221, making it a popular choice for budget-conscious drivers. Rates in Stony Ridge 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 Ridge

$621

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Stony Ridge

1st place: American Family

At $221 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 $353 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $552 for six months, making it the third cheapest auto insurance company in Stony Ridge.

Stony Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stony Ridge, OH is American Family, offering policies at just $221 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $353.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $707 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stony Ridge drivers find the best deals.

Cheap Car Insurance Companies in Stony Ridge, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$221	$37
Auto-Owners Insurance Co	$353	$59
Travelers	$552	$94
Erie	$558	$94
State Farm	$564	$96
USAA	$564	$95
Hastings Mutual	$575	$98
Nationwide	$580	$98
Central Mutual	$669	$113
Progressive	$674	$113
Farmers	$817	$139
Grange	$873	$145
Allstate	$1000	$168
Westfield	$707	$120

Key Takeaways

Way's key takeaways about car insurance in Stony Ridge

The auto insurance costs in Stony Ridge fall around $221 for six months.
The cheapest auto insurance company in Stony Ridge is American Family.
Teen drivers pay the highest rate in Stony Ridge at $658 per month.

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Cheapest Minimum Liability Car Insurance in Stony Ridge

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 Ridge are given below.

American Family provides the cheapest minimum car insurance coverage in Stony Ridge. Their Average 6 Month Premium is $116. Allstate is the most expensive at $419 for the same period.

Cheapest Liability Coverage in Stony Ridge, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$116	$20
Central Mutual	$127	$21
Auto-Owners Insurance Co	$139	$23
Westfield	$143	$24
USAA	$149	$25
Erie	$166	$28
State Farm	$182	$31
Progressive	$199	$33
Nationwide	$221	$37
Travelers	$232	$39
Auto-Owners	$243	$41
Farmers	$310	$53
Grange	$337	$56
Allstate	$419	$71

Cheapest Full Coverage Car Insurance in Stony Ridge

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 Ridge is American Family at $37 per month and $221 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stony Ridge, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$221	$37
Auto-Owners Insurance Co	$353	$59
Travelers	$552	$94
Erie	$558	$94
State Farm	$564	$96
USAA	$564	$95
Hastings Mutual	$575	$98
Nationwide	$580	$98
Central Mutual	$669	$113
Progressive	$674	$113
Farmers	$817	$139
Grange	$873	$145
Allstate	$1000	$168
Westfield	$707	$120

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Average Car Insurance in Stony Ridge 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 Ridge, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Stony Ridge, 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 Ridge'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 Ridge

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	$501
30s	USAA	$354
40s	USAA	$322
50s	USAA	$298
60s	USAA	$312
70s	USAA	$379

Cheapest Car Insurance Rates for Teen Drivers in Stony Ridge,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 Ridge at $20 per month. At $3867 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$122	$20
Westfield	$149	$25
USAA	$768	$129
Erie	$817	$138
Travelers	$1000	$168
Nationwide	$1558	$262
Progressive	$1563	$263
Allstate	$2127	$358
State Farm	$2292	$390
Grange	$2531	$421
Farmers	$3867	$658

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 Ridge.

As young drivers face the highest rates in Stony Ridge, USAA offers the cheapest auto insurance rates at $501 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 Ridge, American Family is the cheapest car insurance provider. At $188 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 Ridge is Allstate, offering rates of around $1597 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$188	$32
Westfield	$237	$40
Nationwide	$630	$106
Erie	$652	$110
Progressive	$652	$110
USAA	$707	$118
Grange	$724	$122
Allstate	$1597	$266

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

Car Insurance Rates with An Accident in Stony Ridge

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

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

The cheapest car insurance companies after an at-fault accident in Stony Ridge include Central Mutual and American Family, offering $127 and $143, respectively. Frankenmuth is an expensive provider with an average six-month premium of $227.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$127	$21
American Family	$143	$24
Auto-Owners Insurance Co	$221	$37
Westfield	$221	$37
Erie	$304	$51
Nationwide	$635	$107
Travelers	$851	$143
Grange	$1066	$181
USAA	$1122	$189
Auto-Owners	$1265	$213
Progressive	$1790	$301
Allstate	$2110	$355
State Farm	$4243	$707
Frankenmuth	$227	$38

Stony Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stony Ridge OH. For example, the car insurance in Stony Ridge after a DUI increases to $646 for a six month policy. While the rate increases by $143 for a six-month policy in the case of a speeding ticket.

Stony Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$680	$113
One Med/PIP claim	$696	$118
Not-at-fault accident	$707	$118
One comp claim	$724	$123
Two Med/PIP claims	$724	$121
Two comp claims	$757	$128
Failure to show documents	$763	$127
Driving without lights	$779	$132
Failure to wear a seat belt	$779	$130
Child safety restraint	$795	$135
Driving with expired registration	$795	$133
Driving too slowly	$823	$140
Speeding 11 - 15 MPH over limit	$823	$138
Speeding 6 - 10 MPH over limit	$823	$140
Speeding in school zone	$823	$138
Cell phone violation	$829	$141
Failure to yield	$829	$139
Following too closely	$829	$141
Illegal turn	$829	$139
Texting while driving	$829	$141
Wrong way/wrong lane	$829	$139
Failure to stop at a red light	$834	$142
Improper passing	$840	$140
Speeding 16 - 20 MPH over limit	$840	$143
At-fault accident - less than $1000	$868	$144
Passing school bus	$873	$149
Speeding 21 - 25 MPH over limit	$895	$149
In 65 MPH zone	$906	$154
At-fault accident - $1000-$2000	$1000	$166
At-fault accident - greater than $2000	$1005	$171
Open container	$1005	$167
Operating a vehicle without permission	$1011	$172
Reckless driving	$1282	$214
Racing	$1304	$221
Refusal to submit to a chemical test	$1304	$218
Driving with a suspended license	$1315	$223
DUI	$1326	$221
Leaving scene of an accident/hit and run	$1364	$232

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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 Ridge 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 Ridge.

The cheapest car insurance premiums in Stony Ridge are offered by American Family at $143 for a six-month policy. However, it can be as expensive as $1398 with companies like Grange.

Stony Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$143	$24
Erie	$431	$73
Travelers	$458	$77
Progressive	$536	$90
USAA	$558	$94
Nationwide	$812	$137
State Farm	$889	$152
Farmers	$1105	$184
Allstate	$1353	$228
Grange	$1398	$233

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 Ridge are offered by American Family at $143. However, it can be as expensive as $1254 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Stony Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$143	$24
Auto-Owners Insurance Co	$143	$24
Westfield	$154	$26
Erie	$321	$54
USAA	$508	$85
Nationwide	$530	$89
Progressive	$558	$94
Allstate	$1216	$206
Grange	$1254	$209

Car Insurance Price Trends in Stony Ridge, Ohio

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

The average cost of full coverage in the Stony Ridge rose by $111 in December compared to $108 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Stony Ridge remained steady at $33 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Stony Ridge?

The car insurance in Stony Ridge is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Stony Ridge?

The cheapest car insurance in Stony Ridge is $37 per month for full coverage.

How much is car insurance in Stony Ridge for teenagers?

Car insurance for teenagers costs $122 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 Ridge?

The average cost of car insurance is $668 for a six-month policy. It will cost around $104 per month to insure your car in Stony Ridge.

Is car insurance expensive in Stony Ridge?

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

Cheapest Car Insurance Quotes in Stony Ridge

Why you can trust Way?

How Much Is Car Insurance in Stony Ridge

Avg. Car Insurance in Stony Ridge

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Stony Ridge

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Stony Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Stony Ridge, OH

Way's key takeaways about car insurance in Stony Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stony Ridge

Cheapest Liability Coverage in Stony Ridge, OH

Cheapest Full Coverage Car Insurance in Stony Ridge

Cheapest Full Coverage Car Insurance Quotes in Stony Ridge, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stony Ridge by Rating Factor

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

Car Insurance Premiums by Age in Stony Ridge

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Ridge

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

Stony Ridge Car Insurance Rates by Violation

Stony Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stony Ridge after a DUI

Stony Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stony Ridge after Speeding ticket

Car Insurance Price Trends in Stony Ridge, Ohio

Average Car Insurance Cost in Stony Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stony Ridge, OH

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

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