Cheapest Car Insurance Quotes in Stafford Courthouse

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Stafford Courthouse Car Insurance

^$ 28

/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 Stafford Courthouse

The car insurance rate in Stafford Courthouse is $689 for a six-month policy, which is $51 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Stafford Courthouse 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 Stafford Courthouse

$689

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Stafford Courthouse

1st place: Virginia Farm Bureau

At $397 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $487 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $494 for six months, making it the third cheapest auto insurance company in Stafford Courthouse.

Stafford Courthouse Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stafford Courthouse, VA is Virginia Farm Bureau, offering policies at just $397 for a six-month term. This is followed by American Family, which has an average six-month premium of $487.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1244 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stafford Courthouse drivers find the best deals.

Cheap Car Insurance Companies in Stafford Courthouse, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$397	$68
American Family	$487	$81
Auto-Owners Insurance Co	$494	$84
Cincinnati	$500	$83
Nationwide	$565	$95
Erie	$603	$102
Travelers	$648	$109
State Farm	$687	$114
USAA	$744	$125
Farm Bureau	$802	$134
Mercury	$840	$141
Progressive	$949	$159
Allstate	$1244	$212

Key Takeaways

Way's key takeaways about car insurance in Stafford Courthouse

The auto insurance costs in Stafford Courthouse fall around $397 for six months.
The cheapest auto insurance company in Stafford Courthouse is Virginia Farm Bureau.
Teen drivers pay the highest rate in Stafford Courthouse at $764 per month.

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Cheapest Minimum Liability Car Insurance in Stafford Courthouse

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 Stafford Courthouse are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Stafford Courthouse. Their Average 6 Month Premium is $166. Nationwide is the most expensive at $539 for the same period.

Cheapest Liability Coverage in Stafford Courthouse, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$166	$28
American Family	$186	$31
Cincinnati	$225	$38
Travelers	$244	$41
Auto-Owners Insurance Co	$251	$42
Mercury	$257	$43
Farm Bureau	$269	$45
USAA	$269	$45
Erie	$301	$51
State Farm	$327	$55
Progressive	$417	$69
Allstate	$539	$92
Nationwide	$539	$90

Cheapest Full Coverage Car Insurance in Stafford Courthouse

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 Stafford Courthouse is Virginia Farm Bureau at $68 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stafford Courthouse, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$397	$68
American Family	$487	$81
Auto-Owners Insurance Co	$494	$84
Cincinnati	$500	$83
Nationwide	$565	$95
Erie	$603	$102
Travelers	$648	$109
State Farm	$687	$114
USAA	$744	$125
Farm Bureau	$802	$134
Mercury	$840	$141
Progressive	$949	$159
Allstate	$1244	$212

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Average Car Insurance in Stafford Courthouse 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 Stafford Courthouse, VA increasing?

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

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

Car Insurance Premiums by Age in Stafford Courthouse

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	USAA	$702
30s	Virginia Farm Bureau	$529
40s	USAA	$494
50s	USAA	$463
60s	USAA	$487
70s	USAA	$773

Cheapest Car Insurance Rates for Teen Drivers in Stafford Courthouse,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Stafford Courthouse at $28 per month. At $4580 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$166	$28
Farm Bureau	$212	$36
Mercury	$225	$38
American Family	$244	$41
Travelers	$251	$42
Auto-Owners Insurance Co	$288	$49
Erie	$969	$163
USAA	$1251	$211
State Farm	$2226	$375
Nationwide	$2817	$470
Allstate	$3271	$556
Progressive	$4580	$764

Teen Car Insurance Rates in VA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Stafford Courthouse.

As young drivers face the highest rates in Stafford Courthouse, USAA offers the cheapest auto insurance rates at $702 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 Stafford Courthouse, Mercury is the cheapest car insurance provider. At $238 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 Stafford Courthouse is Nationwide, offering rates of around $456 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$238	$40
Virginia Farm Bureau	$251	$42
Travelers	$384	$64
Cincinnati	$410	$70
Nationwide	$456	$76

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Car Insurance Rates with An Accident in Stafford Courthouse

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 Stafford Courthouse, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Stafford Courthouse

The cheapest car insurance companies after an at-fault accident in Stafford Courthouse include AutoOwners Insurance Co and Virginia Farm Bureau, offering $231 and $231, respectively. Encompass is an expensive provider with an average six-month premium of $519.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$231	$39
Virginia Farm Bureau	$231	$39
American Family	$244	$41
Cincinnati	$295	$50
Farm Bureau	$301	$51
Travelers	$308	$52
Mercury	$340	$56
Electric	$410	$70
USAA	$578	$97
Erie	$642	$108
State Farm	$725	$122
Nationwide	$1226	$208
Progressive	$1630	$271
Allstate	$2104	$357
Encompass	$519	$89

Stafford Courthouse Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stafford Courthouse VA. For example, the car insurance in Stafford Courthouse after a DUI increases to $1013 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

Stafford Courthouse auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1014	$168
One Med/PIP claim	$1014	$173
Not-at-fault accident	$1052	$175
Two Med/PIP claims	$1084	$185
One comp claim	$1097	$183
Two comp claims	$1148	$195
Failure to show documents	$1155	$192
Driving without lights	$1174	$200
Child safety restraint	$1180	$197
Driving with expired registration	$1193	$203
Failure to wear a seat belt	$1206	$201
Cell phone violation	$1219	$207
Driving too slowly	$1219	$203
Failure to yield	$1219	$207
Speeding in school zone	$1219	$203
Texting while driving	$1219	$207
Wrong way/wrong lane	$1219	$203
Failure to stop at a red light	$1226	$208
Following too closely	$1226	$204
Illegal turn	$1226	$208
Improper passing	$1226	$204
Speeding 6 - 10 MPH over limit	$1226	$208
Speeding 16 - 20 MPH over limit	$1238	$206
Speeding 11 - 15 MPH over limit	$1244	$212
Passing school bus	$1283	$214
In 65 MPH zone	$1328	$226
Open container	$1347	$225
Speeding 21 - 25 MPH over limit	$1347	$229
At-fault accident - less than $1000	$1386	$231
Operating a vehicle without permission	$1488	$253
At-fault accident - $1000-$2000	$1508	$252
At-fault accident - greater than $2000	$1508	$256
Reckless driving	$1835	$306
Racing	$1970	$335
DUI	$2027	$338
Refusal to submit to a chemical test	$2027	$345
Driving with a suspended license	$2130	$355
Leaving scene of an accident/hit and run	$2130	$362

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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 Stafford Courthouse 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 Stafford Courthouse.

The cheapest car insurance premiums in Stafford Courthouse are offered by Virginia Farm Bureau at $205 for a six-month policy. However, it can be as expensive as $1765 with companies like Allstate.

Stafford Courthouse car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$205	$35
Mercury	$231	$39
Farm Bureau	$264	$44
Travelers	$340	$57
American Family	$366	$60
Auto-Owners Insurance Co	$397	$68
State Farm	$777	$131
USAA	$873	$147
Progressive	$1335	$222
Erie	$1366	$232
Nationwide	$1501	$251
Allstate	$1765	$300

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 Stafford Courthouse are offered by Mercury at $238. However, it can be as expensive as $321 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Stafford Courthouse after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$238	$40
Virginia Farm Bureau	$244	$41
American Family	$251	$42
Auto-Owners Insurance Co	$257	$43
Cincinnati	$257	$43
Travelers	$275	$46
Erie	$301	$51
State Farm	$321	$54

Car Insurance Price Trends in Stafford Courthouse, Virginia

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

The average cost of full coverage in the Stafford Courthouse rose by $97 in December compared to $94 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Stafford Courthouse rose to $50 in December, compared to $48 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Stafford Courthouse?

The car insurance in Stafford Courthouse is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Stafford Courthouse?

The cheapest car insurance in Stafford Courthouse is $68 per month for full coverage.

How much is car insurance in Stafford Courthouse for teenagers?

Car insurance for teenagers costs $166 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 Stafford Courthouse?

The average cost of car insurance is $638 for a six-month policy. It will cost around $116 per month to insure your car in Stafford Courthouse.

Is car insurance expensive in Stafford Courthouse?

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

Cheapest Car Insurance Quotes in Stafford Courthouse

Why you can trust Way?

How Much Is Car Insurance in Stafford Courthouse

Avg. Car Insurance in Stafford Courthouse

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Stafford Courthouse

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Stafford Courthouse Car Insurance Rates by Company

Cheap Car Insurance Companies in Stafford Courthouse, VA

Way's key takeaways about car insurance in Stafford Courthouse

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stafford Courthouse

Cheapest Liability Coverage in Stafford Courthouse, VA

Cheapest Full Coverage Car Insurance in Stafford Courthouse

Cheapest Full Coverage Car Insurance Quotes in Stafford Courthouse, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stafford Courthouse by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Stafford Courthouse, VA increasing?

Car Insurance Premiums by Age in Stafford Courthouse

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stafford Courthouse,VA

If you are in your twenties USAA is the best choice for car insurance in Stafford Courthouse.

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 Stafford Courthouse

Cheapest Car Insurance Companies after an At-Fault Accident in Stafford Courthouse

Stafford Courthouse Car Insurance Rates by Violation

Stafford Courthouse auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stafford Courthouse after a DUI

Stafford Courthouse car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stafford Courthouse after Speeding ticket

Car Insurance Price Trends in Stafford Courthouse, Virginia

Average Car Insurance Cost in Stafford Courthouse by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stafford Courthouse, VA

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

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