Best Cheap Auto Insurance in Stratford, TX (2021)

The average Stratford, TX auto insurance rates are $341 per month. The minimum auto insurance in Stratford is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Stratford, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember

  • Average auto insurance rates in Stratford, TX for senior drivers are $2,499 per year
  • The cheapest auto insurance company in Stratford is USAA
  • The average commute length in Stratford is 24.1 minutes

Stratford, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Stratford can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Stratford, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Stratford to other Texas cities, including Corpus Christi auto insurance rates, Fort Worth auto insurance rates, and Houston auto insurance rates to see how Stratford, Texas auto insurance rates stack up.

Before you buy Stratford, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Stratford, Texas auto insurance quotes.

Minimum Auto Insurance in Stratford, Texas

Stratford, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Stratford, Texas.

Minimum Required Auto Insurance Coverage in Stratford, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Stratford, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Stratford, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Stratford, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,604 $3,660 $3,563 $3,563 $9,074 $11,025 $4,464 $4,691
American Family $3,715 $4,060 $3,165 $3,569 $7,983 $10,635 $5,001 $5,688
GEICO $2,499 $2,661 $2,339 $2,593 $5,343 $5,601 $2,709 $2,747
Nationwide $2,671 $2,729 $2,351 $2,503 $7,453 $9,632 $3,124 $3,393
Progressive $2,894 $2,711 $2,549 $2,618 $11,629 $12,859 $3,368 $3,349
State Farm $1,779 $1,779 $1,574 $1,574 $4,109 $5,210 $1,924 $1,988
USAA $1,594 $1,639 $1,497 $1,531 $4,047 $4,518 $2,138 $2,373

Cheap Stratford, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Stratford, Texas is a challenge. Take a look at the annual teen auto insurance rates in Stratford, Texas.

Annual Auto Insurance Rates for Teen Drivers in Stratford, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,074 $11,025
American Family $7,983 $10,635
GEICO $5,343 $5,601
Nationwide $7,453 $9,632
Progressive $11,629 $12,859
State Farm $4,109 $5,210
USAA $4,047 $4,518

Cheap Stratford, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Stratford, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Stratford, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,563 $3,563
American Family $3,165 $3,569
GEICO $2,339 $2,593
Nationwide $2,351 $2,503
Progressive $2,549 $2,618
State Farm $1,574 $1,574
USAA $1,497 $1,531

Cheap Stratford, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Stratford, Texas compared to the annual auto insurance rates with a clean record in Stratford, Texas.

Annual Stratford, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,338 $6,449 $6,698 $4,338
American Family $5,038 $6,296 $5,537 $5,038
GEICO $2,810 $3,670 $3,136 $3,631
Nationwide $3,658 $3,658 $5,466 $4,145
Progressive $4,572 $5,902 $5,357 $5,156
State Farm $2,231 $2,537 $2,970 $2,231
USAA $1,833 $2,638 $3,094 $2,103

Cheap Stratford, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Stratford, Texas is not easy. Compare the annual rates for DUI auto insurance in Stratford, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Stratford, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,698
American Family $5,537
GEICO $3,136
Nationwide $5,466
Progressive $5,357
State Farm $2,970
USAA $3,094

Cheap Stratford, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Stratford, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Stratford, Texas

Insurance Company Poor Fair Good
Allstate $6,955 $5,077 $4,334
American Family $7,804 $4,620 $4,007
GEICO $5,112 $2,893 $1,929
Nationwide $5,100 $4,065 $3,531
Progressive $5,948 $5,093 $4,701
State Farm $3,531 $2,196 $1,749
USAA $3,624 $2,022 $1,606

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Cheap Stratford, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Stratford, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Stratford, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Stratford, Texas

ZIP Code Average Annual Rates
79084 $5,938

Cheap Stratford, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Stratford, Texas auto insurance. Find the cheapest annual Stratford, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Stratford, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,334 $5,577
American Family $5,477 $5,477
GEICO $3,246 $3,377
Nationwide $4,232 $4,232
Progressive $5,247 $5,247
State Farm $2,492 $2,492
USAA $2,385 $2,449

Cheap Stratford, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Stratford, Texas? Check out the comparison of annual Stratford, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Stratford, Texas

Insurance Company Low Medium High
Allstate $5,341 $5,413 $5,613
American Family $5,232 $5,353 $5,846
GEICO $3,184 $3,286 $3,465
Nationwide $4,596 $4,046 $4,054
Progressive $4,889 $5,204 $5,649
State Farm $2,377 $2,485 $2,615
USAA $2,364 $2,412 $2,475

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Best By Category: Cheapest Auto Insurance in Stratford, Texas

Compare the cheapest auto insurance companies in Stratford, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Stratford, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Stratford, Texas Auto Insurance Companies

What auto insurance companies in Stratford, Texas are the cheapest? Compare the top Stratford, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Stratford, Texas

Insurance Company Average Annual Rates
Allstate $5,456
American Family $5,477
GEICO $3,312
Nationwide $4,232
Progressive $5,247
State Farm $2,492
USAA $2,417

What affects auto insurance rates in Stratford, Texas?

There are a lot of reasons why auto insurance rates in Stratford, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Stratford, Texas. Many local factors may affect your Stratford auto insurance rates.

Stratford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stratford, Texas commute length is 24.1 minutes according to City-Data.

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Compare Stratford, Texas Auto Insurance Quotes

Before you buy Stratford, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Stratford, Texas auto insurance quotes.

Free Auto Insurance Comparison

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