Cheapest Car Insurance Quotes in Strafford

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Strafford Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Strafford

The car insurance rate in Strafford is $922 for a six-month policy, which is $59 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $469, making it a popular choice for budget-conscious drivers. Rates in Strafford 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.

Avg. Car Insurance in Strafford

$922

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Strafford

1st place: American Family

At $469 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $592 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $659 for six months, making it the third cheapest auto insurance company in Strafford.

Strafford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Strafford, MO is American Family, offering policies at just $469 for a six-month term. This is followed by Travelers, which has an average six-month premium of $592.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1407 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Strafford drivers find the best deals.

Cheap Car Insurance Companies in Strafford, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$469	$80
Travelers	$592	$100
USAA	$659	$111
Shelter	$877	$148
Encompass	$883	$150
State Farm	$932	$157
Electric	$1027	$175
Allstate	$1061	$179
Progressive	$1117	$188
Missouri Farm Bureau	$1122	$187
Nationwide	$1407	$240

Key Takeaways

Way's key takeaways about car insurance in Strafford

The auto insurance costs in Strafford fall around $469 for six months.
The cheapest auto insurance company in Strafford is USAA.
Teen drivers pay the highest rate in Strafford at $715 per month.

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Cheapest Minimum Liability Car Insurance in Strafford

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 Strafford are given below.

USAA provides the cheapest minimum car insurance coverage in Strafford. Their Average 6 Month Premium is $162. Nationwide is the most expensive at $564 for the same period.

Cheapest Liability Coverage in Strafford, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$162	$27
Missouri Farm Bureau	$179	$30
Travelers	$218	$37
Electric	$229	$39
Progressive	$245	$41
American Family	$251	$42
Encompass	$262	$44
Shelter	$313	$53
State Farm	$335	$56
Allstate	$503	$86
Nationwide	$564	$94

Cheapest Full Coverage Car Insurance in Strafford

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 Strafford is American Family at $80 per month and $469 for six months.

Cheapest Full Coverage Car Insurance Quotes in Strafford, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$469	$80
Travelers	$592	$100
USAA	$659	$111
Shelter	$877	$148
Encompass	$883	$150
State Farm	$932	$157
Electric	$1027	$175
Allstate	$1061	$179
Progressive	$1117	$188
Missouri Farm Bureau	$1122	$187
Nationwide	$1407	$240

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Average Car Insurance in Strafford 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 Strafford, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Strafford, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Strafford's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Strafford

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

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Cheapest Car Insurance Rates for Teen Drivers in Strafford,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Strafford at $39 per month. At $4294 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$234	$39
American Family	$268	$45
Travelers	$642	$108
USAA	$988	$166
Progressive	$1441	$243
State Farm	$1614	$272
Shelter	$1904	$318
Allstate	$3836	$652
Nationwide	$4294	$715

Teen Car Insurance Rates in MO by Age

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 Strafford, Progressive is the cheapest car insurance provider. At $340 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 Strafford is Allstate, offering rates of around $547 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$340	$58
Travelers	$352	$58
Kemper	$430	$73
American Family	$458	$76
Shelter	$480	$82
Nationwide	$530	$88
Allstate	$547	$93

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Car Insurance Rates with An Accident in Strafford

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 Strafford, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Strafford

The cheapest car insurance companies after an at-fault accident in Strafford include Missouri Farm Bureau and Electric, offering $196 and $279, respectively. Allstate is an expensive provider with an average six-month premium of $2262.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$196	$33
Electric	$279	$48
American Family	$307	$51
Encompass	$357	$61
Travelers	$424	$71
USAA	$435	$73
Progressive	$608	$102
State Farm	$737	$124
Shelter	$826	$139
Nationwide	$2083	$354
Allstate	$2262	$377

Strafford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Strafford MO. For example, the car insurance in Strafford after a DUI increases to $760 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Strafford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1502	$250
One Med/PIP claim	$1502	$256
Not-at-fault accident	$1546	$258
One comp claim	$1558	$265
Two Med/PIP claims	$1558	$259
Two comp claims	$1658	$282
Failure to wear a seat belt	$1703	$284
Failure to show documents	$1709	$290
Child safety restraint	$1736	$290
Driving without lights	$1736	$295
Driving with expired registration	$1747	$291
Cell phone violation	$1759	$299
Driving too slowly	$1759	$293
Following too closely	$1759	$299
Speeding in school zone	$1759	$293
Failure to yield	$1764	$300
Speeding 11 - 15 MPH over limit	$1764	$294
Speeding 16 - 20 MPH over limit	$1764	$300
Speeding 6 - 10 MPH over limit	$1764	$294
Texting while driving	$1764	$300
Illegal turn	$1770	$295
Wrong way/wrong lane	$1770	$301
Failure to stop at a red light	$1776	$296
Improper passing	$1776	$302
Speeding 21 - 25 MPH over limit	$1776	$296
In 65 MPH zone	$1787	$304
Passing school bus	$1820	$304
Open container	$1876	$319
Operating a vehicle without permission	$1920	$321
At-fault accident - less than $1000	$2077	$353
At-fault accident - $1000-$2000	$2194	$366
At-fault accident - greater than $2000	$2194	$373
Refusal to submit to a chemical test	$2222	$370
DUI	$2262	$384
Driving with a suspended license	$2311	$385
Racing	$2368	$402
Leaving scene of an accident/hit and run	$2401	$400
Reckless driving	$2429	$413

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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 Strafford 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 Strafford.

The cheapest car insurance premiums in Strafford are offered by Missouri Farm Bureau at $234 for a six-month policy. However, it can be as expensive as $2596 with companies like Nationwide.

Strafford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$234	$39
American Family	$302	$50
Kemper	$374	$64
Travelers	$452	$76
Progressive	$558	$94
USAA	$693	$117
State Farm	$782	$132
Shelter	$910	$153
Allstate	$1966	$335
Nationwide	$2596	$432

Cheapest car insurance after a speeding ticket

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 Strafford are offered by Progressive at $268. However, it can be as expensive as $402 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Strafford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$268	$45
Travelers	$285	$47
American Family	$302	$52
State Farm	$335	$55
Shelter	$402	$69

Car Insurance Price Trends in Strafford, Missouri

Car insurance rates in Strafford have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Strafford remained steady at $122 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Strafford remained steady at $45 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Strafford?

The car insurance in Strafford is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Strafford?

The cheapest car insurance in Strafford is $80 per month for full coverage.

How much is car insurance in Strafford for teenagers?

Car insurance for teenagers costs $234 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 Strafford?

The average cost of car insurance is $981 for a six-month policy. It will cost around $155 per month to insure your car in Strafford.

Is car insurance expensive in Strafford?

Car insurance can be expensive in Strafford if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Strafford can be affordable.

Cheapest Car Insurance Quotes in Strafford

Why you can trust Way?

How Much Is Car Insurance in Strafford

Avg. Car Insurance in Strafford

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Strafford

1st place: American Family

2nd place: Travelers

3rd place: USAA

Strafford Car Insurance Rates by Company

Cheap Car Insurance Companies in Strafford, MO

Way's key takeaways about car insurance in Strafford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Strafford

Cheapest Liability Coverage in Strafford, MO

Cheapest Full Coverage Car Insurance in Strafford

Cheapest Full Coverage Car Insurance Quotes in Strafford, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Strafford by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Strafford, MO increasing?

Car Insurance Premiums by Age in Strafford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Strafford,MO

If you are in your twenties N/A is the best choice for car insurance in Strafford.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Strafford

Cheapest Car Insurance Companies after an At-Fault Accident in Strafford

Strafford Car Insurance Rates by Violation

Strafford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Strafford after a DUI

Strafford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Strafford after Speeding ticket

Car Insurance Price Trends in Strafford, Missouri

Average Car Insurance Cost in Strafford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Strafford, MO

Car Insurance Rates by State in the USA (2025 Update)

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