Cheapest Car Insurance Quotes in Stratton

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Stratton Car Insurance

^$ 18

/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 Stratton

The car insurance rate in Stratton is $1065 for a six-month policy, which is $131 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $304, making it a popular choice for budget-conscious drivers. Rates in Stratton 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 Stratton

$1065

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Stratton

1st place: American National P&C

At $304 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $467 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National

American National offers auto insurance rates at $589 for six months, making it the third cheapest auto insurance company in Stratton.

Stratton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stratton, NE is American National P&C, offering policies at just $304 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $467.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1151 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stratton drivers find the best deals.

Cheap Car Insurance Companies in Stratton, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$304	$51
Auto-Owners Insurance Co	$467	$78
American National	$589	$99
Farmers Mutual of Nebraska	$636	$107
Shelter	$650	$111
IMT Insurance Company	$663	$111
Auto-Owners	$928	$156
USAA	$1023	$172
Farmers	$1083	$185
Progressive	$1117	$188
State Farm	$1212	$204
North Star Mutual	$1435	$239
Allstate	$1686	$284
Farm Bureau	$2038	$340
Nationwide	$2059	$350
American Family	$1151	$192

Key Takeaways

Way's key takeaways about car insurance in Stratton

The auto insurance costs in Stratton fall around $304 for six months.
The cheapest auto insurance company in Stratton is American National P&C.
Teen drivers pay the highest rate in Stratton at $467 per month.

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Cheapest Minimum Liability Car Insurance in Stratton

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 Stratton are given below.

American National P&C provides the cheapest minimum car insurance coverage in Stratton. Their Average 6 Month Premium is $108. North Star Mutual Insurance is the most expensive at $182 for the same period.

Cheapest Liability Coverage in Stratton, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$108	$18
American National	$115	$19
Farmers Mutual of Nebraska	$170	$28
North Star Mutual	$210	$35
Auto-Owners Insurance Co	$223	$38
Farmers	$230	$39
IMT Insurance	$237	$40
Progressive	$237	$40
USAA	$237	$40
Auto-Owners	$251	$42
Iowa Farm Bureau	$271	$46
Shelter	$278	$47
State Farm	$278	$47
Farm Bureau	$386	$66
Allstate	$535	$90
Nationwide	$691	$117
American Family	$332	$56
North Star Mutual Insurance	$182	$31

Cheapest Full Coverage Car Insurance in Stratton

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 Stratton is American National P&C at $51 per month and $304 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stratton, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$304	$51
Auto-Owners Insurance Co	$467	$78
American National	$589	$99
Farmers Mutual of Nebraska	$636	$107
Shelter	$650	$111
IMT Insurance Company	$663	$111
Auto-Owners	$928	$156
USAA	$1023	$172
Farmers	$1083	$185
Progressive	$1117	$188
State Farm	$1212	$204
North Star Mutual	$1435	$239
Allstate	$1686	$284
Farm Bureau	$2038	$340
Nationwide	$2059	$350
American Family	$1151	$192

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Average Car Insurance in Stratton 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 Stratton, NE increasing?

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

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

Car Insurance Premiums by Age in Stratton

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
20s	Farm Bureau Mutual	$809
30s	USAA	$627
40s	USAA	$559
50s	USAA	$534
60s	USAA	$534
70s	USAA	$621

Cheapest Car Insurance Rates for Teen Drivers in Stratton,NE

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Stratton at $22 per month. At $2750 for a six-month premium, American Family offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$129	$22
Farmers	$210	$35
North Star Mutual Insurance	$284	$48
Iowa Farm Bureau	$304	$51
Auto-Owners Insurance Co	$311	$52
Farmers Mutual of Nebraska	$1036	$174
American National	$1300	$221
USAA	$1557	$262
Auto-Owners	$2343	$394
State Farm	$2485	$418
Progressive	$2533	$426
Allstate	$3697	$622
Farm Bureau	$4456	$758
Nationwide	$7002	$1167
American Family	$2750	$467

Teen Car Insurance Rates in NE by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Stratton.

As young drivers face the highest rates in Stratton, Farm Bureau Mutual offers the cheapest auto insurance rates at $809 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 Stratton, American National P&C is the cheapest car insurance provider. At $380 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 Stratton is American Family, offering rates of around $1971 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$380	$63
IMT Insurance Company	$426	$73
Shelter	$454	$75
Iowa Farm Bureau	$528	$90
Farmers Mutual of Nebraska	$705	$119
Progressive	$1172	$197
USAA	$1463	$244
Auto-Owners	$2607	$443
Allstate	$2621	$437
Nationwide	$2884	$490
Farm Bureau	$3798	$633
State Farm	$6115	$1040
American Family	$1971	$328

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Car Insurance Rates with An Accident in Stratton

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 Stratton, NE, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Stratton include American National P&C and Farmers, offering $156 and $251, respectively. American Family is an expensive provider with an average six-month premium of $1382.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$156	$26
Farmers	$251	$42
Auto-Owners Insurance Co	$258	$43
North Star Mutual	$366	$63
Iowa Farm Bureau	$420	$70
North Star Mutual Insurance	$488	$83
American National	$663	$111
Farmers Mutual of Nebraska	$670	$113
Auto-Owners	$779	$131
USAA	$779	$131
State Farm	$826	$139
Progressive	$1110	$187
Allstate	$2513	$423
Farm Bureau	$3243	$552
Nationwide	$3338	$556
American Family	$1382	$230

Stratton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stratton NE. For example, the car insurance in Stratton after a DUI increases to $1090 for a six month policy. While the rate increases by $217 for a six-month policy in the case of a speeding ticket.

Stratton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1158	$193
One Med/PIP claim	$1158	$197
Not-at-fault accident	$1260	$210
Driving without lights	$1287	$219
Failure to show documents	$1287	$214
Driving with expired registration	$1300	$221
Failure to wear a seat belt	$1300	$217
Two Med/PIP claims	$1306	$222
Cell phone violation	$1313	$219
One comp claim	$1313	$223
Texting while driving	$1313	$219
Failure to yield	$1334	$227
Child safety restraint	$1341	$223
Driving too slowly	$1341	$228
Speeding in school zone	$1354	$226
Failure to stop at a red light	$1361	$231
Illegal turn	$1375	$229
Passing school bus	$1375	$234
Speeding 6 - 10 MPH over limit	$1375	$229
Following too closely	$1382	$235
Improper passing	$1395	$233
Speeding 11 - 15 MPH over limit	$1409	$239
Speeding 16 - 20 MPH over limit	$1428	$238
Wrong way/wrong lane	$1456	$247
Speeding 21 - 25 MPH over limit	$1469	$245
Operating a vehicle without permission	$1544	$262
In 65 MPH zone	$1564	$261
Two comp claims	$1578	$268
Open container	$1619	$270
At-fault accident - less than $1000	$1659	$282
At-fault accident - $1000-$2000	$1808	$301
At-fault accident - greater than $2000	$1808	$308
Reckless driving	$2052	$342
Driving with a suspended license	$2119	$360
Refusal to submit to a chemical test	$2188	$365
DUI	$2248	$382
Leaving scene of an accident/hit and run	$2282	$381
Racing	$2289	$389

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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 Stratton 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 Stratton.

The cheapest car insurance premiums in Stratton are offered by American National P&C at $176 for a six-month policy. However, it can be as expensive as $1151 with companies like American Family.

Stratton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$176	$30
Farmers	$413	$68
IMT Insurance Company	$508	$87
Auto-Owners Insurance Co	$548	$91
Iowa Farm Bureau	$555	$95
Shelter	$617	$103
American National	$711	$121
Progressive	$880	$148
Farmers Mutual of Nebraska	$1057	$178
USAA	$1382	$233
State Farm	$1409	$237
Auto-Owners	$1442	$243
Farm Bureau	$1463	$246
Allstate	$2106	$355
Nationwide	$4571	$777
American Family	$1151	$196

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 Stratton are offered by American National P&C at $136. However, it can be as expensive as $1273 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Stratton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$136	$23
Auto-Owners Insurance Co	$291	$49
IMT Insurance Company	$339	$58
Iowa Farm Bureau	$345	$57
Farmers Mutual of Nebraska	$548	$92
State Farm	$772	$130
Auto-Owners	$880	$149
Progressive	$1036	$174
USAA	$1064	$181
Allstate	$1868	$311
Farm Bureau	$2444	$416
Nationwide	$2757	$459
American Family	$1273	$217

Car Insurance Price Trends in Stratton, Nebraska

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

The average cost of full coverage in the Stratton rose by $213 in December compared to $187 of November. In other words, there has been an increase by $26 when you compare December and November.

The average cost of liability insurance in the Stratton rose to $43 in December, compared to $42 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Stratton?

The car insurance in Stratton is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Stratton?

The cheapest car insurance in Stratton is $51 per month for full coverage.

How much is car insurance in Stratton for teenagers?

Car insurance for teenagers costs $129 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 Stratton?

The average cost of car insurance is $934 for a six-month policy. It will cost around $179 per month to insure your car in Stratton.

Is car insurance expensive in Stratton?

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

What is the best car insurance in Stratton, NE?

The best car insurance company in Stratton NE is American National P&C, offering $304 for a six-month policy.