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Stout Car Insurance
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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.
The car insurance rate in Stout is $780 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $250, making it a popular choice for budget-conscious drivers. Rates in Stout 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 $250 for a six month policy, American Family offers the cheapest auto insurance rates in the city.
AutoOwners Insurance Co offers auto insurance rates at $399 for a six-month policy, making it one of the cheapest to insure with.
Travelers offers auto insurance rates at $624 for six months, making it the third cheapest auto insurance company in Stout.
Based on our research, the cheapest car insurance company in Stout, OH is American Family, offering policies at just $250 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $399.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1197 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stout drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $250 | $42 |
| Auto-Owners Insurance Co | $399 | $66 |
| Travelers | $624 | $106 |
| State Farm | $636 | $106 |
| Hastings Mutual | $649 | $110 |
| USAA | $655 | $110 |
| Erie | $679 | $114 |
| Nationwide | $717 | $121 |
| Central Mutual | $755 | $128 |
| Progressive | $785 | $132 |
| Auto-Owners | $848 | $144 |
| Farmers | $923 | $154 |
| Westfield | $1086 | $185 |
| Cincinnati | $1135 | $189 |
| Grange | $1154 | $196 |
| Allstate | $1197 | $202 |
Save up to $971/yr with our auto insurance quotes
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 Stout are given below.
American Family provides the cheapest minimum car insurance coverage in Stout. Their Average 6 Month Premium is $131. Allstate is the most expensive at $474 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $131 | $22 |
| Central Mutual | $144 | $24 |
| Auto-Owners Insurance Co | $156 | $26 |
| USAA | $181 | $30 |
| Erie | $193 | $33 |
| Westfield | $193 | $33 |
| State Farm | $206 | $35 |
| Progressive | $237 | $40 |
| Auto-Owners | $261 | $44 |
| Travelers | $261 | $44 |
| Nationwide | $318 | $54 |
| Farmers | $350 | $58 |
| Grange | $412 | $70 |
| Cincinnati | $437 | $72 |
| Allstate | $474 | $80 |
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 Stout is American Family at $42 per month and $250 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $250 | $42 |
| Auto-Owners Insurance Co | $399 | $66 |
| Travelers | $624 | $106 |
| State Farm | $636 | $106 |
| Hastings Mutual | $649 | $110 |
| USAA | $655 | $110 |
| Erie | $679 | $114 |
| Nationwide | $717 | $121 |
| Central Mutual | $755 | $128 |
| Progressive | $785 | $132 |
| Auto-Owners | $848 | $144 |
| Farmers | $923 | $154 |
| Westfield | $1086 | $185 |
| Cincinnati | $1135 | $189 |
| Grange | $1154 | $196 |
| Allstate | $1197 | $202 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Stout, 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, Stout's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $596 |
| 30s | USAA | $422 |
| 40s | USAA | $382 |
| 50s | USAA | $354 |
| 60s | USAA | $372 |
| 70s | USAA | $450 |
If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Stout at $23 per month. At $4366 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $138 | $23 |
| USAA | $842 | $142 |
| Erie | $967 | $163 |
| Travelers | $1129 | $190 |
| Westfield | $1260 | $212 |
| Progressive | $1815 | $306 |
| Nationwide | $2314 | $390 |
| Auto-Owners | $2470 | $412 |
| Allstate | $2526 | $425 |
| State Farm | $2588 | $432 |
| Cincinnati | $3280 | $558 |
| Grange | $3312 | $552 |
| Farmers | $4366 | $742 |
Teen Car Insurance Rates in OH by Age
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.
For those with poor credit scores in Stout, American Family is the cheapest car insurance provider. At $212 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 Stout is AutoOwners, offering rates of around $2370 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $212 | $36 |
| Progressive | $780 | $131 |
| Nationwide | $898 | $151 |
| USAA | $917 | $153 |
| Grange | $929 | $156 |
| Erie | $948 | $160 |
| Westfield | $1110 | $187 |
| Cincinnati | $1716 | $286 |
| Allstate | $2045 | $348 |
| Auto-Owners | $2370 | $395 |
Save up to $971/yr on car insurance rates in Stout.
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 Stout, OH, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Stout include Central Mutual and American Family, offering $144 and $162, respectively. State Farm is an expensive provider with an average six-month premium of $4790.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Central Mutual | $144 | $24 |
| American Family | $162 | $27 |
| Auto-Owners Insurance Co | $250 | $42 |
| Erie | $443 | $75 |
| Westfield | $662 | $111 |
| Nationwide | $898 | $151 |
| Travelers | $961 | $162 |
| USAA | $1298 | $218 |
| Auto-Owners | $1347 | $227 |
| Grange | $1415 | $240 |
| Progressive | $2058 | $347 |
| Cincinnati | $2115 | $359 |
| Allstate | $2520 | $424 |
| State Farm | $4790 | $815 |
Here is a list of driving violations that can increase your car insurance rates in Stout OH. For example, the car insurance in Stout after a DUI increases to $729 for a six month policy. While the rate increases by $161 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $768 | $128 |
| One Med/PIP claim | $785 | $133 |
| Not-at-fault accident | $798 | $133 |
| One comp claim | $817 | $139 |
| Two Med/PIP claims | $817 | $137 |
| Two comp claims | $855 | $145 |
| Failure to show documents | $861 | $144 |
| Driving without lights | $880 | $149 |
| Failure to wear a seat belt | $880 | $147 |
| Child safety restraint | $898 | $152 |
| Driving with expired registration | $898 | $150 |
| Driving too slowly | $929 | $158 |
| Speeding 11 - 15 MPH over limit | $929 | $155 |
| Speeding 6 - 10 MPH over limit | $929 | $158 |
| Speeding in school zone | $929 | $155 |
| Cell phone violation | $936 | $160 |
| Failure to yield | $936 | $156 |
| Following too closely | $936 | $160 |
| Illegal turn | $936 | $156 |
| Texting while driving | $936 | $160 |
| Wrong way/wrong lane | $936 | $156 |
| Failure to stop at a red light | $942 | $161 |
| Improper passing | $948 | $158 |
| Speeding 16 - 20 MPH over limit | $948 | $162 |
| At-fault accident - less than $1000 | $980 | $163 |
| Passing school bus | $986 | $168 |
| Speeding 21 - 25 MPH over limit | $1010 | $168 |
| In 65 MPH zone | $1023 | $174 |
| At-fault accident - $1000-$2000 | $1129 | $188 |
| At-fault accident - greater than $2000 | $1135 | $193 |
| Open container | $1135 | $189 |
| Operating a vehicle without permission | $1141 | $194 |
| Reckless driving | $1447 | $242 |
| Racing | $1472 | $250 |
| Refusal to submit to a chemical test | $1472 | $246 |
| Driving with a suspended license | $1485 | $252 |
| DUI | $1497 | $250 |
| Leaving scene of an accident/hit and run | $1540 | $261 |
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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.
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 Stout.
The cheapest car insurance premiums in Stout are offered by American Family at $162 for a six-month policy. However, it can be as expensive as $2775 with companies like Cincinnati.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $162 | $27 |
| Travelers | $518 | $87 |
| Progressive | $624 | $105 |
| Erie | $643 | $108 |
| USAA | $730 | $123 |
| State Farm | $1004 | $171 |
| Nationwide | $1148 | $193 |
| Farmers | $1247 | $212 |
| Auto-Owners | $1603 | $267 |
| Allstate | $1640 | $276 |
| Grange | $1852 | $309 |
| Westfield | $2408 | $410 |
| Cincinnati | $2775 | $463 |
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 Stout are offered by American Family at $162. However, it can be as expensive as $1653 with companies like Grange for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $162 | $27 |
| Auto-Owners Insurance Co | $162 | $27 |
| Erie | $462 | $78 |
| Progressive | $643 | $108 |
| USAA | $662 | $110 |
| Westfield | $742 | $125 |
| Nationwide | $749 | $126 |
| Auto-Owners | $848 | $144 |
| Cincinnati | $1341 | $224 |
| Allstate | $1566 | $267 |
| Grange | $1653 | $275 |
Car insurance rates in Stout have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Stout rose by $156 in January compared to $125 of December. In other words, there has been an increase by $31 when you compare January and December.
The average cost of liability insurance in the Stout rose to $41 in January, compared to $38 in December. This represents an increase of $3 when comparing January and December.
How much is car insurance in Stout?
The car insurance in Stout is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Stout?
The cheapest car insurance in Stout is $42 per month for full coverage.
How much is car insurance in Stout for teenagers?
Car insurance for teenagers costs $138 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 Stout?
The average cost of car insurance is $743 for a six-month policy. It will cost around $131 per month to insure your car in Stout.
Is car insurance expensive in Stout?
Car insurance can be expensive in Stout if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Stout can be affordable.
What is the best car insurance in Stout, OH?
The best car insurance company in Stout OH is American Family, offering $250 for a six-month policy.
Cut auto insurance costs in Stout right now.