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Finding the cheapest car insurance quotes in Stratford shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Stratford
The car insurance rate in Stratford is $1414 for a six-month policy, which is $195 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $682, making it a popular choice for budget-conscious drivers. Rates in Stratford 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.
At $682 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: Kemper
Kemper offers auto
insurance rates at $848 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $985
for six months, making it
the third cheapest auto insurance company in Stratford.
Stratford Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Stratford, CT is Travelers, offering policies at just $682 for a six-month term. This is followed by Kemper, which has an average six-month premium of $848.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3356 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stratford drivers find the best deals.
Way's key takeaways about car insurance in Stratford
The auto insurance costs in Stratford fall around $682 for six
months.
The cheapest auto insurance company in Stratford is Travelers.
Teen drivers pay the highest rate in Stratford at $1275 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Stratford
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 Stratford are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Stratford. Their Average 6 Month Premium is $324.
Hanover is the most
expensive at $1467 for the same
period.
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 Stratford is Travelers
at $116 per month and $682
for six months.
Cheapest Full Coverage Car Insurance Quotes in Stratford,
CT
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Instantly!
Average Car Insurance in Stratford 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 Stratford, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Stratford, Connecticut, may be increasing due to several external factors.
Connecticut has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Stratford's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Stratford
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
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Cheapest Car Insurance Rates for Teen Drivers in
Stratford,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Stratford at $72
per
month. At $7648 for a six-month premium,
Travelers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Stratford.
As young drivers face the highest rates in Stratford, N/A
offers the cheapest auto insurance rates at $N/A 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 Stratford,
Kemper is
the cheapest car insurance provider. At $490 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
Stratford is Amica, offering
rates of around $4657 for six
months.
Save up to $971/yr on car insurance rates in Stratford.
Car Insurance Rates with An Accident in Stratford
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 Stratford, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Stratford
The cheapest car insurance companies after an at-fault accident in
Stratford include Amica Mutual
and Kemper, offering $600
and $628,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3963.
Here is a list of driving violations that can increase your car
insurance rates in Stratford CT. For example, the car
insurance in Stratford
after a DUI increases to $2198 for a six
month policy. While the rate increases by $289 for a six-month policy in the case of
a speeding ticket.
Stratford auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1406
$234
One Med/PIP claim
$1406
$239
Not-at-fault accident
$1453
$242
Two Med/PIP claims
$1460
$248
One comp claim
$1481
$247
Two comp claims
$1571
$267
Driving without lights
$1633
$273
Failure to wear a seat belt
$1654
$281
Child safety restraint
$1674
$280
Failure to show documents
$1681
$285
Speeding 6 - 10 MPH over limit
$1695
$283
Driving with expired registration
$1702
$289
Speeding 11 - 15 MPH over limit
$1702
$284
Speeding 16 - 20 MPH over limit
$1702
$289
Cell phone violation
$1709
$285
Texting while driving
$1709
$290
Driving too slowly
$1716
$287
Failure to stop at a red light
$1716
$291
Failure to yield
$1716
$287
Following too closely
$1716
$291
Illegal turn
$1716
$287
Improper passing
$1723
$293
Wrong way/wrong lane
$1723
$288
Speeding in school zone
$1730
$295
Speeding 21 - 25 MPH over limit
$1750
$291
At-fault accident - less than $1000
$1771
$302
In 65 MPH zone
$1840
$306
Operating a vehicle without permission
$1901
$324
Open container
$2006
$334
At-fault accident - $1000-$2000
$2198
$374
At-fault accident - greater than $2000
$2198
$367
Passing school bus
$2571
$437
Reckless driving
$3384
$564
Racing
$3487
$593
Driving with a suspended license
$3514
$586
Refusal to submit to a chemical test
$3541
$602
DUI
$3604
$601
Leaving scene of an accident/hit and run
$3666
$623
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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 Stratford 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 Stratford.
The cheapest car insurance premiums in
Stratford are
offered by Kemper at $764 for a six-month policy.
However, it can be as
expensive as $20416 with companies
like Hanover.
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 Stratford are offered by Nationwide
at $476. However,
it can be as expensive as $2226
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Stratford after Speeding ticket
Car Insurance Price Trends in Stratford,
Connecticut
Car insurance rates in Stratford have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Stratford rose by
$276 in December
compared to $271 of November. In other words, there has been an increase by $5 when you
compare December and November.
The average cost of liability insurance in the Stratford rose to $100 in December,
compared to $96 in November.
This represents an increase of $4
when comparing December and November.
Average Car Insurance Cost in Stratford by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Stratford. At $2304 for a
six-month policy, insuring
your car at 6614 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Stratford?
The car insurance in Stratford is $55 per month, which is lower than the national average.
What is the cheapest car insurance in Stratford?
The cheapest car insurance in Stratford
is $116 per month
for full coverage.
How much is car insurance in Stratford for teenagers?
Car insurance for teenagers costs $427 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
Stratford?
The average cost of car insurance is $1219 for a six-month
policy. It will cost around $238 per month to insure your
car in Stratford.
Is car insurance expensive in Stratford?
Car insurance can be expensive in Stratford if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Stratford can be
affordable.
What is the best car insurance in Stratford,
CT?
The best car insurance company in Stratford
CT is
Travelers, offering $682 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Stratford, CT
Car Insurance Rates by State in the USA (2025 Update)
Stratford Car Insurance
