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Get Cheap Car Insurance in Stillwater, OH
We monitor insurance prices, helping the average driver in Stillwater save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Stillwater
The chart below shows the cheapest car insurance company in Stillwater for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Safeco Insurance, Travelers, and Mile Auto.
| Stillwater Insurer | Monthly Cost |
|---|---|
| State Farm | $45 |
| Safeco Insurance | $47 |
| Travelers | $47 |
| Mile Auto | $49 |
Savings for Every Kind of Stillwater Driver
Based on our extensive insurance data, we know the average Stillwater driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $288 per year by choosing the right vehicle insurance company. Some Stillwater residents are paying out over $1,091 extra every year for auto insurance in Stillwater. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Stillwater, OH Savings / Yr. |
|---|---|
$288 |
|
$490 |
|
$415 |
|
$443 |
|
$1,059 |
|
$301 |
|
$422 |
Stillwater Car Insurance vs. Ohio
People living in Stillwater pay an average of 2.91% less than the typical driver in the state. The average driver in Stillwater can expect to pay about $737 per year, or $1,091 for full coverage.
Based on our analysis, Mile Auto will be the cheapest provider in Stillwater for most people.
Car Insurance Prices by Stillwater Neighborhood
Insurance Prices
Where is insurance cheapest within Stillwater?
The map shows insurance prices in and around Stillwater, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $41 per year within the city boundaries, with insurance premiums ranging from a high of $1,105 to a low of $1,064. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Stillwater.Pick the Best Car Insurance Company for You in Stillwater
The best car insurance provider for most drivers in Stillwater
For drivers with clean driving records and no major strikes, Mile Auto is the best option, with annual savings of $288 over the average Stillwater car insurance company.
The best car insurance provider for Stillwater drivers with accidents on their records
In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $490 over the competition.
The best car insurance company for Stillwater drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $415 better than other car insurance companies.
The best auto insurance for Stillwater drivers with a DUI conviction
Getting a quote from Gainsco may cost the average person with a DUI about $443 less each year.
The least expensive car insurance company for new and young drivers in Stillwater
In Stillwater, Geico costs young drivers $1,059 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Stillwater
State Farm gave the largest car insurance discounts to married couples, averaging $301 saved each year compared to an average Stillwater couple's premiums.
The cheapest car insurance in Stillwater for drivers with bad credit
The best Stillwater car insurance company for customer service
Nationwide was the best company for customer service in Stillwater according to the NAIC.
Recent price drops
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The cheapest large national provider in Stillwater
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Stillwater driver can expect to pay about $76 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Stillwater, USAA has the best prices for young drivers, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Stillwater
What Influences the Cost of Car Insurance in Stillwater?
On average, car insurance in Stillwater is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Stillwater is 25 minutes, which is far less than average for a driver in the state.
- Ohio state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Stillwater are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Stillwater has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Stillwater is $61 per month for minimum coverage and $91 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- New Philadelphia: Insurance costs 0.37% less
- Stone Creek: Insurance costs 1.47% less
- Lock Seventeen: Insurance costs 1.01% less
- Tuscarawas: Insurance costs the same
- Dover: Insurance costs 0.18% less
- Midvale: Insurance costs 0.64% less
- Barnhill: Insurance costs 0.73% less
- Gnadenhutten: Insurance costs 0.64% more
- Riverside Park: Insurance costs 0.82% more
- Winfield: Insurance costs the same
Cities with Similar Populations
- Hunter: Insurance costs 23.74% more
- South Newstead: Insurance costs 108.80% more
- Slades Corner: Insurance costs 2.84% more
- Jacksonville: Insurance costs 8.07% more
- Jacksonville: Insurance costs 11.64% less
- Isle La Motte: Insurance costs 9.44% more
- Iron Hill: Insurance costs 102.38% more
- Indian River: Insurance costs 89.46% more
- Indian Creek: Insurance costs 50.41% more
- Idleyld Park: Insurance costs 25.30% more