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Get Cheap Car Insurance in Stonewall, NC

We monitor insurance prices, helping the average driver in Stonewall save up to 33.1% on car insurance.

 

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The Cheapest Minimum Coverage in Stonewall

The chart below shows the cheapest car insurance company in Stonewall 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 Midvale Home & Auto, followed by Erie Insurance, Farm Bureau, and Progressive.

 
Stonewall Insurer Monthly Cost
Midvale Home & Auto $47
Erie Insurance $47
Farm Bureau $50
Progressive $53

Savings for Every Kind of Stonewall Driver

The table shows how much the average auto insurance customer in Stonewall might save by following our recommendations.

Based on our extensive insurance data, we know the average Stonewall driver will save about 19% 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 $236 per year by choosing the right vehicle insurance company. Some Stonewall residents are paying out over $1,231 extra every year for auto insurance in Stonewall. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Stonewall Car Insurance vs. North Carolina

People living in Stonewall pay an average of 1.55% less than the typical driver in the state. The average driver in Stonewall can expect to pay about $737 per year, or $1,231 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Stonewall for most people.

Car Insurance Prices by Stonewall Neighborhood

Stonewall, NC map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Stonewall?

The map shows insurance prices in and around Stonewall, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $91 per year within the city boundaries, with insurance premiums ranging from a high of $1,269 to a low of $1,178. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Stonewall.

Pick the Best Car Insurance Company for You in Stonewall

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Stonewall insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Stonewall

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $236 over the average Stonewall car insurance company.

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We use the average good driver, paying $83 per month, as our baseline for pricing in Stonewall. Auto-Owners Insurance, Farm Bureau, and Erie Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Stonewall drivers with accidents on their records

In Stonewall getting into an accident will raise premiums an average 37% for a yearly cost of $1,963. That's $732 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Erie Insurance, Farm Bureau, and Kemper are good choices for drivers with accidents.

In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $514 over the competition.

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The best car insurance company for Stonewall drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $374 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Stonewall, tickets raise premiums on new quotes about $609. If you have a speeding ticket, we recommend State Farm, Farm Bureau, and Erie Insurance for savings that beat the average insurance cost of $1,840 per year.

The best auto insurance for Stonewall drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,714 per year in auto insurance premiums, which was $2,483 more than a driver with no major issues. Kemper, Midvale Home & Auto, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from Kemper may cost the average person with a DUI about $955 less each year.

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The least expensive car insurance company for new and young drivers in Stonewall

In Stonewall, State Farm costs young drivers $709 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 56% more for insurance than more mature drivers in Stonewall. With an average cost of $2,788 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Farm Bureau, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Stonewall

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $18. State Farm, Erie Insurance, and Farm Bureau provided the largest discounts to couples living in Stonewall.

Erie Insurance gave the largest car insurance discounts to married couples, averaging $286 saved each year compared to an average Stonewall couple's premiums.

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The cheapest car insurance in Stonewall for drivers with bad credit

People with poor credit saved an average of $428 with Erie Insurance.

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Many people are surprised that their poor credit score can cost them an average of $584 every year. Premiums for people with poor credit were about $1,814 in Stonewall. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Progressive, Erie Insurance, and Dairyland.

The best Stonewall car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Stonewall, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Stonewall.

Nationwide was the best company for customer service in Stonewall according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Stonewall, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Stonewall. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Stonewall

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 16% of Stonewall residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Stonewall driver can expect to pay about $87 per month.

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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 Stonewall, USAA has the best prices for none of the categories above.
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Auto Insurance Prices in and Around Stonewall

What Influences the Cost of Car Insurance in Stonewall?

On average, car insurance in Stonewall 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 Stonewall is 26 minutes, which is far less than average for a driver in the state.
  • North Carolina 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 Stonewall are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Stonewall is a lightly populated area 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 Stonewall is $61 per month for minimum coverage and $103 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

Cities with Similar Populations

* Who is the average Stonewall driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Stonewall with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.