Compare Stratford, NJ Car Insurance Rates (2021)

Car insurance in Stratford, NJ averages $452 a month. Stratford, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Stratford car insurance rates, compare quotes from the top car insurance companies in Stratford, NJ.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Stratford for teen drivers is GEICO
  • The cheapest car insurance company in Stratford is GEICO
  • Average car insurance rates in Stratford, NJ after a DUI are $6,331/year

If you need to buy Stratford, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Stratford, NJ is right here.

You’ll find Stratford car insurance rates, the cheapest Stratford, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Stratford, New Jersey car insurance rates to Newark car insurance rates, Bayonne car insurance rates, and Elizabeth car insurance rates.

Ready to find affordable Stratford, NJ car insurance today? Enter your ZIP code for fast, free Stratford car insurance quotes.

Cheapest Stratford, NJ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Stratford, NJ car insurance rates? Every Stratford, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.

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

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 $3,558 $3,541 $3,471 $3,471 $11,122 $13,393 $4,202 $4,272
Farmers $4,371 $4,411 $4,264 $4,175 $12,759 $14,686 $5,194 $5,281
GEICO $1,953 $1,923 $1,913 $1,913 $3,527 $3,492 $2,246 $2,173
Liberty Mutual $5,475 $5,475 $6,016 $6,016 $14,190 $16,099 $6,016 $6,903
Progressive $1,816 $1,678 $1,644 $1,698 $8,065 $8,769 $2,138 $2,020
State Farm $4,080 $4,080 $3,703 $3,703 $13,398 $17,188 $4,654 $5,196
Travelers $3,043 $2,962 $2,827 $2,859 $6,955 $7,900 $2,962 $2,944

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Minimum Car Insurance in Stratford, NJ

Every driver must carry the minimum car insurance in Stratford, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Stratford, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Stratford, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Stratford, NJ. Compare credit history car insurance rates in Stratford from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Stratford, New Jersey

Insurance Company Poor Fair Good
Allstate $8,236 $5,261 $4,139
Farmers $8,222 $6,409 $6,047
GEICO $3,588 $2,076 $1,513
Liberty Mutual $10,504 $7,770 $6,547
Progressive $3,895 $3,401 $3,140
State Farm $10,123 $6,111 $4,766
Travelers $5,441 $3,995 $2,734

Cheapest Stratford, NJ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Stratford, NJ to rates for a clean record with top companies.

Annual Stratford, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,395 $7,352 $6,409 $5,358
Farmers $5,350 $9,060 $7,380 $5,781
GEICO $1,867 $2,446 $3,390 $1,867
Liberty Mutual $7,942 $9,104 $8,106 $7,942
Progressive $2,984 $4,026 $3,422 $3,481
State Farm $3,810 $6,927 $11,125 $6,138
Travelers $3,117 $4,627 $4,484 $3,999

Cheapest Stratford, NJ Car Insurance for Teen Drivers

Teen car insurance in Stratford, NJ can be expensive. Take a look at rates from the top car insurance companies in Stratford for teenagers.

Annual Car Insurance Rates for Teen Drivers in Stratford, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,122 $13,393
Farmers $12,759 $14,686
GEICO $3,527 $3,492
Liberty Mutual $14,190 $16,099
Progressive $8,065 $8,769
State Farm $13,398 $17,188
Travelers $6,955 $7,900

Cheapest Stratford, NJ Car Insurance for Seniors

Take a look at Stratford, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Stratford, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,471 $3,471
Farmers $4,264 $4,175
GEICO $1,913 $1,913
Liberty Mutual $6,016 $6,016
Progressive $1,644 $1,698
State Farm $3,703 $3,703
Travelers $2,827 $2,859

Cheapest Stratford, NJ Car Insurance Rates After a DUI

A DUI in Stratford, NJ increases car insurance rates. Compare Stratford, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Stratford, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,409
Farmers $7,380
GEICO $3,390
Liberty Mutual $8,106
Progressive $3,422
State Farm $11,125
Travelers $4,484

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Cheapest Stratford, NJ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Stratford, NJ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Stratford, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,868 $5,890
Farmers $6,893 $6,893
GEICO $2,373 $2,412
Liberty Mutual $8,193 $8,354
Progressive $3,479 $3,479
State Farm $6,818 $7,182
Travelers $4,057 $4,057

The Best Cheap Car Insurance Companies in Stratford, NJ

Take a look at a side-by-side comparison of the top car insurance companies in Stratford, NJ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Stratford, New Jersey

Insurance Company Average Annual Rates
Allstate $5,879
Farmers $6,893
GEICO $2,393
Liberty Mutual $8,274
Progressive $3,479
State Farm $7,000
Travelers $4,057

Category Winners: Cheapest Car Insurance in Stratford, New Jersey

Find the cheapest car insurance companies in Stratford, NJ for each category right here.

Best Annual Car Insurance Rates by Company in Stratford, New Jersey

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

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Cheapest Stratford, NJ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Stratford car insurance rates. Find the cheapest Stratford, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Stratford, New Jersey

Insurance Company Low Medium High
Allstate $5,388 $5,971 $6,277
Farmers $6,149 $6,851 $7,678
GEICO $2,125 $2,441 $2,612
Liberty Mutual $7,312 $8,542 $8,967
Progressive $3,114 $3,537 $3,785
State Farm $6,486 $7,095 $7,420
Travelers $3,692 $4,056 $4,422

What affects car insurance rates in Stratford, New Jersey?

What factors can have an impact on Stratford, NJ car insurance? There are several reasons why Stratford car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Stratford, New Jersey.

Commute Time in Stratford

The more time you spend in your car the higher the risk of an accident. The average commute length in Stratford, NJ is 31.1 minutes according to City-Data.

Compare Car Insurance Quotes in Stratford, NJ

Ready to find affordable Stratford, New Jersey car insurance today? Enter your ZIP code for fast, free Stratford, NJ car insurance quotes.

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