Cheap Auto Insurance Quotes in Stratford, CT (January 2022)

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Car Insurance in Stratford, CT

In Connecticut, drivers must have an auto insurance policy to get behind the wheel legally. With many coverage options available, it’s smart to shop around for multiple quotes before obtaining car insurance. This is especially true in cities like Stratford, where local insurance agents and insurance agencies often offer cheaper rates.

Typically, when it comes to auto insurance coverage, the city you live in can significantly impact the rates you pay. For example, drivers in Stratford pay $14 less per month for car insurance than motorists residing in West Haven.

Below is a look at the average monthly car insurance quote for both Stratford and West Haven:

$220
$222
$260
$271
$282
Plymouth RockSafecoMidvale Home & AutoNationwideLiberty Mutual

Cheapest Car Insurance in Stratford, CT

Everyone wants to find the cheapest car insurance possible when shopping around. Luckily for Stratford drivers, there are several options available. Check out some cheap car insurance quotes in Stratford below:

Best Car Insurance in Stratford, CT

The first place that drivers often go when looking for auto insurance is the big-name providers like Allstate and GEICO. However, depending on where you are located, these aren’t always the cheapest options.

Find out below which insurance providers in Stratford have the highest ICS (Insurify Composite Score) and offer the best value to customers.

Average Car Insurance Cost

$255
$285
$219
$202
$289
$280
ConnecticutBridgeportNew HavenStamfordHartfordStratford
Click here to learn about car insurance quotes and save on your current policy.

Stratford, CT Driving Facts

connecticut

Minimum Car Insurance Requirements in CT

All motor vehicles operated or parked on Connecticut roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Connecticut auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Connecticut law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Connecticut are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)
  • $25,000/accident for Property Damage (PD)
  • $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)

Stratford Car Insurance Rates by Driver Age

Generally speaking, age plays a big role in determining your auto insurance rates. The younger you are, the more you will be paying for coverage. For drivers in Stratford, this is especially true. On average, teenage drivers pay over $400 more a month for car insurance than drivers in their 60s.

Below is a complete breakdown of how much each age group can expect to pay each month in Stratford.

Stratford Car Insurance Rates by Driving and Accident History

Most insurance companies will adjust your average monthly premium based on your driving record and accident history. If you avoid incidents such as speeding tickets and at-fault accidents, your rates are likely to be much lower than a driver who has a history of these events.

The table below breaks down how different types of incidents can affect your overall monthly premium:

Stratford Car Insurance Rates by Credit Tier

Generally, things like driving history, experience, and the type of policy you choose all play a role in deciding what you pay for car insurance. However, credit rating could have a significant impact on your overall premium as well. As the table below demonstrates, there is almost a $150 difference between a driver with an excellent credit rating and one with a bad credit rating.

Stratford DMV Information

If you currently drive or will be driving in the future, you will need to visit the DMV at some point. For drivers who live in Stratford and are looking for a local DMV, you can go to two main locations.

  • Connecticut Department of Motor Vehicles (95 Sylvan Ave, Bridgeport, CT 06606)
  • DMV Express (977 Boston Post Rd, Milford, CT 06460)

Both locations are easily accessible and provide several services for residents of Connecticut. These services include:

  • Renewing a current vehicle registration
  • Registering a new vehicle
  • Transferring ownership of a vehicle
  • Renewing or obtaining a new driver’s license

There is also an option to complete many of these services online. You can also book an appointment to meet with a member of the DMV team to help make the process easier.

Public Transportation in Stratford

If you are a resident of Stratford and currently don’t or can’t operate a vehicle, other transportation options are available. The most popular choice in town is the Greater Bridgeport Transit Authority.

This organization currently provides bus transit services across several cities, including the following:

  • Bridgeport
  • Fairfield
  • Stratford
  • Trumbull
  • Shelton
  • Derby
  • Milford
  • Norwalk

How to Get the Cheapest Car Insurance in Stratford

Finding an affordable auto insurance policy that covers all of your insurance needs can be difficult. Often, the first few places you receive a quote from won’t be the cheapest or even the best plan for your current situation. One way to ensure you obtain the perfect auto insurance coverage is by shopping around.

Insurify makes the process of buying car insurance quick and easy. By simply answering a couple of standard questions, you will be presented with a list of quotes from qualified insurance providers. Once you have your quotes, you can quickly compare them on one screen and select the policy that makes the most sense for you.

Start comparing policies today with Insurify.

Find local Stratford agents

Portsmouth Atlantic Insurance
2212 Elm Street, Stratford, CT 06615
The Barnum Insurance Agency
1757 Barnum Ave Ste 1, Stratford, CT 06614-5352
Scott Insurance
3151 Main Street, Stratford, CT 06614-4815
State Farm Auto Insurance
1516 Barnum Ave, Stratford, CT 06614
A J Gambardella Insurance and Financial Services
6580 Main St #201, Stratford, CT 06614
Dougherty Insurance Agency, Inc.
2420 Main St, Stratford, CT 06615
Insurance Agency Stratford CT
3567 Main St, Stratford, CT 06614
Omar Juarbe - State Farm Insurance Agent
3231 Main St, Stratford, CT 06614
Netter Agency, LLC
350 Emerald Pl, Stratford, CT 06614
Nationwide Insurance: Mark P Mannino
3550 Main St, Stratford, CT 06614

Insurify Insights: How Stratford Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Stratford, CT
suspended licenses
#25
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Stratford drivers measure up to their fellow Connecticut motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Stratford

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Stratford drivers rank 16 in the number of car accidents per driver across all cities in Connecticut.

  • Rank within state: #16
  • Percent of drivers in Stratford with an accident: 9.57%
  • Drivers in Stratford, CT with an accident in their driving history paid on average 21.27% more than drivers with a clean record

Speeding in Stratford

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Connecticut, Stratford drivers rank 23 in the number of speeding infractions per driver.

  • Rank within state: #23
  • Percent of drivers in Stratford with a speeding ticket: 3.27%
  • Drivers in Stratford, CT with a speeding ticket in their driving history paid on average 40.67% more than drivers with a clean record

DUI/DWIs in Stratford

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Stratford drivers rank 21 in the number of DUI’s per driver across all cities in Connecticut.

  • Rank within state: #21
  • Percent of drivers in Stratford with a DUI: 0.5%
  • Drivers in Stratford, CT with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Stratford

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Stratford is the Nissan Altima.

Hybrid/Electric Vehicle Ownership in Stratford

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Stratford drivers rank 8 in hybrid and electric vehicle ownership across all cities in Connecticut.

  • Rank within state: #8
  • Percent of drivers in Stratford with a hybrid/electric vehicle: 0.76%

FAQs - Stratford, CT Car Insurance

How do I find cheap car insurance in Stratford, CT?

There are several ways to find cheap car insurance in Stratford, CT. One of the best strategies to use is to shop around in several locations. Some insurance providers will give you a discounted rate if you bundle your car insurance with another product such as home insurance, life insurance, or renters insurance.

Other ways to get cheaper monthly premiums include:

  • Purchasing a high-deductible plan
  • Purchasing a minimum coverage policy instead of a full-coverage plan that includes bodily injury, liability insurance, and property damage

How much does car insurance cost in Stratford, CT?

Many things can affect your overall insurance rates, including discounts, age, driving history, and policy type. However, on average, car insurance in Stratford, CT, costs around $279 a month.

What drives up car insurance rates in Stratford, CT?

Many things can drive up car insurance rates in Stratford, CT. A few of the most common factors include age, gender, policy limit, and vehicle type. Your driving history can also play a role in what rates you ultimately pay—for example, getting into an accident while underinsured can cause your rates to increase.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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