Cheapest Car Insurance Quotes in Stony Creek

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Stony Creek Car Insurance

^$ 27

/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 Creek

The car insurance rate in Stony Creek is $664 for a six-month policy, which is $26 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $383, making it a popular choice for budget-conscious drivers. Rates in Stony Creek 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 Creek

$664

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Stony Creek

1st place: Virginia Farm Bureau

At $383 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $469 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $475 for six months, making it the third cheapest auto insurance company in Stony Creek.

Stony Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stony Creek, VA is Virginia Farm Bureau, offering policies at just $383 for a six-month term. This is followed by American Family, which has an average six-month premium of $469.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1198 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stony Creek drivers find the best deals.

Cheap Car Insurance Companies in Stony Creek, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$383	$66
American Family	$469	$78
Auto-Owners Insurance Co	$475	$81
Cincinnati	$482	$80
Nationwide	$544	$92
Erie	$580	$98
Travelers	$624	$105
State Farm	$661	$110
USAA	$717	$121
Farm Bureau	$773	$129
Mercury	$809	$136
Progressive	$914	$153
Allstate	$1198	$204

Key Takeaways

Way's key takeaways about car insurance in Stony Creek

The auto insurance costs in Stony Creek fall around $383 for six months.
The cheapest auto insurance company in Stony Creek is Virginia Farm Bureau.
Teen drivers pay the highest rate in Stony Creek at $735 per month.

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Cheapest Minimum Liability Car Insurance in Stony Creek

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 Creek are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Stony Creek. Their Average 6 Month Premium is $160. Nationwide is the most expensive at $519 for the same period.

Cheapest Liability Coverage in Stony Creek, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$160	$27
American Family	$179	$30
Cincinnati	$216	$36
Travelers	$235	$40
Auto-Owners Insurance Co	$241	$41
Mercury	$248	$42
Farm Bureau	$259	$44
USAA	$259	$44
Erie	$290	$49
State Farm	$315	$53
Progressive	$401	$67
Allstate	$519	$88
Nationwide	$519	$86

Cheapest Full Coverage Car Insurance in Stony Creek

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 Creek is Virginia Farm Bureau at $66 per month and $383 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stony Creek, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$383	$66
American Family	$469	$78
Auto-Owners Insurance Co	$475	$81
Cincinnati	$482	$80
Nationwide	$544	$92
Erie	$580	$98
Travelers	$624	$105
State Farm	$661	$110
USAA	$717	$121
Farm Bureau	$773	$129
Mercury	$809	$136
Progressive	$914	$153
Allstate	$1198	$204

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Average Car Insurance in Stony Creek 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 Creek, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Stony Creek, Virginia, may be increasing due to several external factors. Virginia 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 Creek'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 Creek

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	$676
30s	Virginia Farm Bureau	$510
40s	USAA	$475
50s	USAA	$446
60s	USAA	$469
70s	USAA	$745

Cheapest Car Insurance Rates for Teen Drivers in Stony Creek,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Stony Creek at $27 per month. At $4411 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$160	$27
Farm Bureau	$204	$34
Mercury	$216	$36
American Family	$235	$40
Travelers	$241	$41
Auto-Owners Insurance Co	$278	$47
Erie	$933	$157
USAA	$1204	$203
State Farm	$2143	$361
Nationwide	$2712	$452
Allstate	$3150	$536
Progressive	$4411	$735

Teen Car Insurance Rates in VA by Age

Way Tip

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

As young drivers face the highest rates in Stony Creek, USAA offers the cheapest auto insurance rates at $676 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 Creek, Mercury is the cheapest car insurance provider. At $229 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 Creek is Nationwide, offering rates of around $439 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$229	$38
Virginia Farm Bureau	$241	$41
Travelers	$370	$61
Cincinnati	$395	$68
Nationwide	$439	$73

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Car Insurance Rates with An Accident in Stony Creek

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 Creek, VA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Stony Creek include AutoOwners Insurance Co and Virginia Farm Bureau, offering $223 and $223, respectively. Encompass is an expensive provider with an average six-month premium of $500.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$223	$37
Virginia Farm Bureau	$223	$37
American Family	$235	$40
Cincinnati	$284	$48
Farm Bureau	$290	$49
Travelers	$296	$50
Mercury	$328	$54
Electric	$395	$68
USAA	$556	$94
Erie	$618	$104
State Farm	$698	$118
Nationwide	$1180	$201
Progressive	$1569	$261
Allstate	$2026	$344
Encompass	$500	$85

Stony Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stony Creek VA. For example, the car insurance in Stony Creek after a DUI increases to $975 for a six month policy. While the rate increases by $203 for a six-month policy in the case of a speeding ticket.

Stony Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$977	$162
One Med/PIP claim	$977	$166
Not-at-fault accident	$1013	$168
Two Med/PIP claims	$1044	$178
One comp claim	$1057	$176
Two comp claims	$1106	$188
Failure to show documents	$1112	$185
Driving without lights	$1130	$192
Child safety restraint	$1137	$189
Driving with expired registration	$1149	$196
Failure to wear a seat belt	$1162	$193
Cell phone violation	$1174	$200
Driving too slowly	$1174	$196
Failure to yield	$1174	$200
Speeding in school zone	$1174	$196
Texting while driving	$1174	$200
Wrong way/wrong lane	$1174	$196
Failure to stop at a red light	$1180	$201
Following too closely	$1180	$197
Illegal turn	$1180	$201
Improper passing	$1180	$197
Speeding 6 - 10 MPH over limit	$1180	$201
Speeding 16 - 20 MPH over limit	$1192	$199
Speeding 11 - 15 MPH over limit	$1198	$204
Passing school bus	$1236	$206
In 65 MPH zone	$1279	$217
Open container	$1297	$216
Speeding 21 - 25 MPH over limit	$1297	$220
At-fault accident - less than $1000	$1334	$223
Operating a vehicle without permission	$1433	$243
At-fault accident - $1000-$2000	$1452	$242
At-fault accident - greater than $2000	$1452	$246
Reckless driving	$1767	$294
Racing	$1897	$322
DUI	$1952	$326
Refusal to submit to a chemical test	$1952	$332
Driving with a suspended license	$2051	$342
Leaving scene of an accident/hit and run	$2051	$348

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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 Creek 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 Creek.

The cheapest car insurance premiums in Stony Creek are offered by Virginia Farm Bureau at $198 for a six-month policy. However, it can be as expensive as $1699 with companies like Allstate.

Stony Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$198	$33
Mercury	$223	$37
Farm Bureau	$254	$43
Travelers	$328	$55
American Family	$353	$58
Auto-Owners Insurance Co	$383	$66
State Farm	$748	$126
USAA	$840	$141
Progressive	$1285	$214
Erie	$1316	$224
Nationwide	$1446	$241
Allstate	$1699	$289

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 Creek are offered by Mercury at $229. However, it can be as expensive as $309 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Stony Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$229	$38
Virginia Farm Bureau	$235	$40
American Family	$241	$41
Auto-Owners Insurance Co	$248	$42
Cincinnati	$248	$42
Travelers	$265	$45
Erie	$290	$49
State Farm	$309	$52

Car Insurance Price Trends in Stony Creek, Virginia

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

The average cost of full coverage in the Stony Creek rose by $94 in December compared to $90 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Stony Creek rose to $48 in December, compared to $46 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 Stony Creek?

The car insurance in Stony Creek is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Stony Creek?

The cheapest car insurance in Stony Creek is $66 per month for full coverage.

How much is car insurance in Stony Creek for teenagers?

Car insurance for teenagers costs $160 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 Creek?

The average cost of car insurance is $638 for a six-month policy. It will cost around $111 per month to insure your car in Stony Creek.

Is car insurance expensive in Stony Creek?

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

Cheapest Car Insurance Quotes in Stony Creek

Why you can trust Way?

How Much Is Car Insurance in Stony Creek

Avg. Car Insurance in Stony Creek

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Stony Creek

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Stony Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Stony Creek, VA

Way's key takeaways about car insurance in Stony Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stony Creek

Cheapest Liability Coverage in Stony Creek, VA

Cheapest Full Coverage Car Insurance in Stony Creek

Cheapest Full Coverage Car Insurance Quotes in Stony Creek, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stony Creek by Rating Factor

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

Car Insurance Premiums by Age in Stony Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stony Creek,VA

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

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 Creek

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

Stony Creek Car Insurance Rates by Violation

Stony Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stony Creek after a DUI

Stony Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stony Creek after Speeding ticket

Car Insurance Price Trends in Stony Creek, Virginia

Average Car Insurance Cost in Stony Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stony Creek, VA

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

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