Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Stone, KY
We monitor insurance prices, helping the average driver in Stone save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Stone
The chart below shows the cheapest car insurance company in Stone 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 Farm Bureau, followed by State Farm, Travelers, and Geico.
| Stone Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $67 |
| State Farm | $67 |
| Travelers | $99 |
| Geico | $106 |
Savings for Every Kind of Stone Driver
Based on our extensive insurance data, we know the average Stone driver will save about 25% 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 $598 per year by choosing the right vehicle insurance company. Some Stone residents are paying out over $2,367 extra every year for auto insurance in Stone. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Stone, KY Savings / Yr. |
|---|---|
$598 |
|
$981 |
|
$965 |
|
$976 |
|
$1,932 |
|
$647 |
|
$1,036 |
Stone Car Insurance vs. Kentucky
People living in Stone pay an average of 10.92% more than the typical driver in the state. The average driver in Stone can expect to pay about $1,219 per year, or $2,367 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Stone for most people.
Car Insurance Prices by Stone Neighborhood
Insurance Prices
Where is insurance cheapest within Stone?
The map shows insurance prices in and around Stone, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $37 per year within the city boundaries, with insurance premiums ranging from a high of $2,390 to a low of $2,353. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central parts of Stone.Pick the Best Car Insurance Company for You in Stone
The best car insurance provider for most drivers in Stone
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $598 over the average Stone car insurance company.
The best car insurance provider for Stone drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $981 over the competition.
The best car insurance company for Stone drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $965 better than other car insurance companies.
The best auto insurance for Stone drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $976 less each year.
The least expensive car insurance company for new and young drivers in Stone
In Stone, State Farm costs young drivers $1,932 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Stone
State Farm gave the largest car insurance discounts to married couples, averaging $647 saved each year compared to an average Stone couple's premiums.
The cheapest car insurance in Stone for drivers with bad credit
The best Stone car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Stone, which was better than other insurers.
The cheapest large national provider in Stone
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Stone driver can expect to pay about $144 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 Stone, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, young drivers, and good drivers.Auto Insurance Prices in and Around Stone
What Influences the Cost of Car Insurance in Stone?
On average, car insurance in Stone is more expensive than the rest of the state. These high 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 Stone is 32 minutes, which is about the national average for a driver in the state.
- Kentucky state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Stone are higher than average 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 D according to CrimeGrade.org.
- Stone is one of the least populated areas 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 Stone is $102 per month for minimum coverage and $197 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
- Huddy: Insurance costs 0.55% less
- Pinsonfork: Insurance costs 1.39% more
- Mc Andrews: Insurance costs 0.51% less
- Hardy: Insurance costs 3.59% less
- Canada: Insurance costs 2.83% less
- Forest Hills: Insurance costs 4.60% less
- Ransom: Insurance costs 1.65% less
- McCarr: Insurance costs 2.24% less
- Sidney: Insurance costs 0.04% less
- Rawl: Insurance costs 26.24% less
Cities with Similar Populations
- St. Anthony: Insurance costs 54.80% less
- Grellton: Insurance costs 54.37% less
- Griffithsville: Insurance costs 32.91% less
- Guild: Insurance costs 43.64% less
- Gulf: Insurance costs 47.28% less
- Gypsy: Insurance costs 1.14% less
- Hall: Insurance costs 13.77% less
- Hallett: Insurance costs 28.47% less
- Hallsville: Insurance costs 44.74% less
- Hillsboro: Insurance costs 12.93% less