Cheapest Car Insurance Quotes in Stuarts Draft

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Stuarts Draft Car Insurance

^$ 23

/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 Stuarts Draft

The car insurance rate in Stuarts Draft is $561 for a six-month policy, which is $77 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in Stuarts Draft 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 Stuarts Draft

$561

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Stuarts Draft

1st place: Virginia Farm Bureau

At $324 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 $397 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 $402 for six months, making it the third cheapest auto insurance company in Stuarts Draft.

Stuarts Draft Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stuarts Draft, VA is Virginia Farm Bureau, offering policies at just $324 for a six-month term. This is followed by American Family, which has an average six-month premium of $397.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1014 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stuarts Draft drivers find the best deals.

Cheap Car Insurance Companies in Stuarts Draft, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$324	$55
American Family	$397	$66
Auto-Owners Insurance Co	$402	$69
Cincinnati	$407	$68
Nationwide	$460	$77
Erie	$491	$83
Travelers	$528	$89
State Farm	$560	$93
USAA	$606	$102
Farm Bureau	$654	$109
Mercury	$685	$115
Progressive	$774	$129
Allstate	$1014	$172

Key Takeaways

Way's key takeaways about car insurance in Stuarts Draft

The auto insurance costs in Stuarts Draft fall around $324 for six months.
The cheapest auto insurance company in Stuarts Draft is Virginia Farm Bureau.
Teen drivers pay the highest rate in Stuarts Draft at $622 per month.

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Cheapest Minimum Liability Car Insurance in Stuarts Draft

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 Stuarts Draft are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Stuarts Draft. Their Average 6 Month Premium is $136. Nationwide is the most expensive at $439 for the same period.

Cheapest Liability Coverage in Stuarts Draft, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$136	$23
American Family	$151	$26
Cincinnati	$183	$31
Travelers	$199	$33
Auto-Owners Insurance Co	$204	$34
Mercury	$209	$35
Farm Bureau	$219	$37
USAA	$219	$37
Erie	$246	$41
State Farm	$267	$45
Progressive	$340	$56
Allstate	$439	$75
Nationwide	$439	$73

Cheapest Full Coverage Car Insurance in Stuarts Draft

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 Stuarts Draft is Virginia Farm Bureau at $55 per month and $324 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stuarts Draft, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$324	$55
American Family	$397	$66
Auto-Owners Insurance Co	$402	$69
Cincinnati	$407	$68
Nationwide	$460	$77
Erie	$491	$83
Travelers	$528	$89
State Farm	$560	$93
USAA	$606	$102
Farm Bureau	$654	$109
Mercury	$685	$115
Progressive	$774	$129
Allstate	$1014	$172

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Average Car Insurance in Stuarts Draft 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 Stuarts Draft, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Stuarts Draft, 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, Stuarts Draft's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Stuarts Draft

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	$572
30s	Virginia Farm Bureau	$431
40s	USAA	$402
50s	USAA	$378
60s	USAA	$397
70s	USAA	$630

Cheapest Car Insurance Rates for Teen Drivers in Stuarts Draft,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 Stuarts Draft at $23 per month. At $3732 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	$136	$23
Farm Bureau	$172	$29
Mercury	$183	$31
American Family	$199	$33
Travelers	$204	$34
Auto-Owners Insurance Co	$235	$40
Erie	$789	$133
USAA	$1019	$172
State Farm	$1814	$305
Nationwide	$2295	$383
Allstate	$2666	$453
Progressive	$3732	$622

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 Stuarts Draft.

As young drivers face the highest rates in Stuarts Draft, USAA offers the cheapest auto insurance rates at $572 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 Stuarts Draft, Mercury is the cheapest car insurance provider. At $194 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 Stuarts Draft is Nationwide, offering rates of around $371 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$194	$33
Virginia Farm Bureau	$204	$34
Travelers	$313	$52
Cincinnati	$334	$57
Nationwide	$371	$62

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Stuarts Draft.

Car Insurance Rates with An Accident in Stuarts Draft

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 Stuarts Draft, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Stuarts Draft

The cheapest car insurance companies after an at-fault accident in Stuarts Draft include AutoOwners Insurance Co and Virginia Farm Bureau, offering $188 and $188, respectively. Encompass is an expensive provider with an average six-month premium of $423.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$188	$32
Virginia Farm Bureau	$188	$32
American Family	$199	$33
Cincinnati	$240	$40
Farm Bureau	$246	$41
Travelers	$251	$42
Mercury	$277	$46
Electric	$334	$57
USAA	$471	$79
Erie	$523	$88
State Farm	$590	$99
Nationwide	$999	$170
Progressive	$1328	$221
Allstate	$1714	$291
Encompass	$423	$72

Stuarts Draft Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stuarts Draft VA. For example, the car insurance in Stuarts Draft after a DUI increases to $826 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

Stuarts Draft auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$826	$137
One Med/PIP claim	$826	$141
Not-at-fault accident	$857	$143
Two Med/PIP claims	$884	$150
One comp claim	$894	$149
Two comp claims	$935	$159
Failure to show documents	$941	$157
Driving without lights	$957	$163
Child safety restraint	$962	$160
Driving with expired registration	$972	$165
Failure to wear a seat belt	$983	$164
Cell phone violation	$994	$169
Driving too slowly	$994	$165
Failure to yield	$994	$169
Speeding in school zone	$994	$165
Texting while driving	$994	$169
Wrong way/wrong lane	$994	$165
Failure to stop at a red light	$999	$170
Following too closely	$999	$166
Illegal turn	$999	$170
Improper passing	$999	$166
Speeding 6 - 10 MPH over limit	$999	$170
Speeding 16 - 20 MPH over limit	$1008	$168
Speeding 11 - 15 MPH over limit	$1014	$172
Passing school bus	$1045	$174
In 65 MPH zone	$1082	$184
Open container	$1097	$183
Speeding 21 - 25 MPH over limit	$1097	$187
At-fault accident - less than $1000	$1129	$188
Operating a vehicle without permission	$1213	$206
At-fault accident - $1000-$2000	$1228	$205
At-fault accident - greater than $2000	$1228	$209
Reckless driving	$1495	$249
Racing	$1605	$273
DUI	$1652	$275
Refusal to submit to a chemical test	$1652	$281
Driving with a suspended license	$1735	$290
Leaving scene of an accident/hit and run	$1735	$295

Your Wallet Deserves Better. Seriously.

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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 Stuarts Draft 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 Stuarts Draft.

The cheapest car insurance premiums in Stuarts Draft are offered by Virginia Farm Bureau at $167 for a six-month policy. However, it can be as expensive as $1438 with companies like Allstate.

Stuarts Draft car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$167	$28
Mercury	$188	$32
Farm Bureau	$215	$36
Travelers	$277	$47
American Family	$298	$49
Auto-Owners Insurance Co	$324	$55
State Farm	$633	$106
USAA	$711	$120
Progressive	$1088	$181
Erie	$1113	$189
Nationwide	$1223	$204
Allstate	$1438	$245

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 Stuarts Draft are offered by Mercury at $194. However, it can be as expensive as $261 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Stuarts Draft after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$194	$33
Virginia Farm Bureau	$199	$33
American Family	$204	$34
Auto-Owners Insurance Co	$209	$35
Cincinnati	$209	$35
Travelers	$224	$38
Erie	$246	$41
State Farm	$261	$44

Car Insurance Price Trends in Stuarts Draft, Virginia

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

The average cost of full coverage in the Stuarts Draft rose by $79 in December compared to $77 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Stuarts Draft rose to $40 in December, compared to $39 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 Stuarts Draft?

The car insurance in Stuarts Draft is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Stuarts Draft?

The cheapest car insurance in Stuarts Draft is $55 per month for full coverage.

How much is car insurance in Stuarts Draft for teenagers?

Car insurance for teenagers costs $136 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 Stuarts Draft?

The average cost of car insurance is $638 for a six-month policy. It will cost around $94 per month to insure your car in Stuarts Draft.

Is car insurance expensive in Stuarts Draft?

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

Cheapest Car Insurance Quotes in Stuarts Draft

Why you can trust Way?

How Much Is Car Insurance in Stuarts Draft

Avg. Car Insurance in Stuarts Draft

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Stuarts Draft

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Stuarts Draft Car Insurance Rates by Company

Cheap Car Insurance Companies in Stuarts Draft, VA

Way's key takeaways about car insurance in Stuarts Draft

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stuarts Draft

Cheapest Liability Coverage in Stuarts Draft, VA

Cheapest Full Coverage Car Insurance in Stuarts Draft

Cheapest Full Coverage Car Insurance Quotes in Stuarts Draft, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stuarts Draft by Rating Factor

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

Car Insurance Premiums by Age in Stuarts Draft

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stuarts Draft,VA

If you are in your twenties USAA is the best choice for car insurance in Stuarts Draft.

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 Stuarts Draft

Cheapest Car Insurance Companies after an At-Fault Accident in Stuarts Draft

Stuarts Draft Car Insurance Rates by Violation

Stuarts Draft auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stuarts Draft after a DUI

Stuarts Draft car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stuarts Draft after Speeding ticket

Car Insurance Price Trends in Stuarts Draft, Virginia

Average Car Insurance Cost in Stuarts Draft by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stuarts Draft, VA

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

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