Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Stratford, IA for senior drivers are $1,644/year
  • Average car insurance rates in Stratford, IA are $247/month
  • The cheapest car insurance company in Stratford for teen drivers is USAA

Average car insurance rates in Stratford, Iowa are $247 a month. But with a little research you can get a great deal from the top car insurance companies in Stratford, IA. Before you buy Stratford, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

It may even be helpful to compare Stratford car insurance rates with Cedar Rapids car insurance rates, Des Moines car insurance rates, or Ankeny car insurance rates to make sure you’re getting the best Stratford, IA car insurance quotes available.

Need affordable Stratford, IA car insurance? Enter your ZIP code to compare Stratford car insurance quotes from multiple car insurance companies near you.

Stratford, IA Minimum Car Insurance Coverage

Stratford, Iowa law requires drivers carry a minimum of 20/40/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Stratford, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Stratford, IA Car Insurance Rates by Coverage Level

Some Stratford drivers can get by with the Iowa minimum coverage of 20/40/15. Other drivers may need more. See how much your Stratford, Iowa car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Stratford, Iowa

Insurance Company Low Medium High
Allstate $2,760 $2,857 $2,944
American Family $3,086 $3,243 $2,888
Farmers $2,347 $2,451 $2,533
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,244 $4,417 $4,620
Nationwide $2,640 $2,515 $2,428
Progressive $2,236 $2,393 $2,533
State Farm $2,048 $2,162 $2,241
Travelers $5,367 $5,768 $5,915
USAA $1,660 $1,760 $1,843

Stratford, IA Car Insurance Rates by Age, Gender, and Marital Status

Stratford, Iowa car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Stratford, IA car insurance, get quotes from multiple car insurance companies in the Stratford area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Stratford, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,856 $1,773 $1,657 $1,683 $5,526 $6,259 $2,006 $2,067
American Family $1,977 $1,977 $1,770 $1,770 $5,305 $7,426 $1,977 $2,380
Farmers $1,504 $1,532 $1,345 $1,469 $4,586 $4,883 $2,039 $2,191
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,150 $2,338 $1,888 $2,297 $10,166 $11,453 $2,436 $2,688
Nationwide $1,753 $1,799 $1,562 $1,667 $4,054 $5,241 $1,987 $2,159
Progressive $1,679 $1,616 $1,385 $1,437 $4,124 $4,659 $2,018 $2,183
State Farm $1,397 $1,397 $1,228 $1,228 $3,789 $4,801 $1,571 $1,792
Travelers $2,582 $2,633 $2,519 $2,517 $11,360 $17,985 $2,687 $3,183
USAA $1,181 $1,196 $1,084 $1,108 $3,143 $3,342 $1,417 $1,566

Stratford, IA Car Insurance Rates for Teens

How much is Stratford, Iowa car insurance for teens? Compare rates from top Stratford car insurance companies below to help find the cheapest teen car insurance in Stratford, IA.

Annual Car Insurance Rates for Teen Drivers in Stratford, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,526 $6,259
American Family $5,305 $7,426
Farmers $4,586 $4,883
GEICO $4,328 $4,022
Liberty Mutual $10,166 $11,453
Nationwide $4,054 $5,241
Progressive $4,124 $4,659
State Farm $3,789 $4,801
Travelers $11,360 $17,985
USAA $3,143 $3,342

Stratford, IA Car Insurance Rates for Seniors

Before seniors buy Stratford, Iowa car insurance, they should make sure to shop around. Some Stratford, IA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Stratford, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,657 $1,683
American Family $1,770 $1,770
Farmers $1,345 $1,469
GEICO $1,710 $1,564
Liberty Mutual $1,888 $2,297
Nationwide $1,562 $1,667
Progressive $1,385 $1,437
State Farm $1,228 $1,228
Travelers $2,519 $2,517
USAA $1,084 $1,108

Stratford, IA Car Insurance Rates by Credit History

How does your credit history affect Stratford, IA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Stratford, Iowa

Insurance Company Poor Fair Good
Allstate $3,412 $2,706 $2,443
American Family $3,918 $2,879 $2,420
Farmers $2,799 $2,327 $2,204
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,321 $3,893 $3,067
Nationwide $3,070 $2,406 $2,107
Progressive $2,819 $2,279 $2,064
State Farm $3,062 $1,895 $1,494
Travelers $6,399 $5,457 $5,194
USAA $2,307 $1,584 $1,372

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Stratford, IA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Stratford, Iowa car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Stratford.

Annual Stratford, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,407 $2,928 $3,370 $2,709
American Family $2,219 $3,246 $4,217 $2,608
Farmers $2,082 $2,586 $2,621 $2,486
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,825 $4,726 $4,829 $4,328
Nationwide $1,831 $2,628 $3,581 $2,071
Progressive $1,919 $3,145 $2,083 $2,402
State Farm $1,990 $2,311 $2,150 $2,150
Travelers $4,130 $5,515 $7,402 $5,686
USAA $1,342 $1,799 $2,337 $1,540

Stratford, IA Car Insurance Rates With a DUI

Even a single DUI can increase your Stratford, IA car insurance rates. Compare rates below to see which Stratford car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Stratford, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,370
American Family $4,217
Farmers $2,621
GEICO $3,206
Liberty Mutual $4,829
Nationwide $3,581
Progressive $2,083
State Farm $2,150
Travelers $7,402
USAA $2,337

Stratford, IA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Stratford, IA car insurance rates may be. Let’s take a look at average car insurance rates from top Stratford companies based on commute time.

Annual Car Insurance Rates by Commute Length in Stratford, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,786 $2,921
American Family $3,037 $3,108
Farmers $2,444 $2,444
GEICO $2,294 $2,387
Liberty Mutual $4,427 $4,427
Nationwide $2,528 $2,528
Progressive $2,388 $2,388
State Farm $2,099 $2,202
Travelers $5,683 $5,683
USAA $1,691 $1,818

Stratford, IA Cheapest Car Insurance Rates

How do the top Stratford, Iowa car insurance companies’ average rates stack up against the Stratford average monthly car insurance rates of $247? Take a look and see.

Best Annual Car Insurance Rates by Company in Stratford, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Stratford, IA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Stratford, Iowa car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Stratford, Iowa

Insurance Company Average Annual Rates
Allstate $2,853
American Family $3,073
Farmers $2,444
GEICO $2,341
Liberty Mutual $4,427
Nationwide $2,528
Progressive $2,388
State Farm $2,150
Travelers $5,683
USAA $1,755

Other Factors Affecting Stratford, IA Car Insurance Rates

Before you buy Stratford, Iowa car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Stratford, IA Commute Time

How does your Stratford, IA commute time compare with the average driver? In Stratford, the average commute is 35.2 minutes.

Stratford, IA Car Insurance Quotes

Compare Stratford, IA car insurance quotes from multiple companies by entering your ZIP code now.