Compare Stratford, SD Car Insurance Rates (2021)

Car insurance in Stratford, SD averages $316 a month. Stratford, South Dakota car insurance requirements are 25/50/25, 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, SD.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 State Farm
  • Average car insurance rates in Stratford, SD are $3,788/year
  • The cheapest car insurance company in Stratford is State Farm

If you need to buy Stratford, South Dakota car insurance, the options can be confusing. Everything you need to know about car insurance in Stratford, SD is right here.

You’ll find Stratford car insurance rates, the cheapest Stratford, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare Stratford, South Dakota car insurance rates to Brookings car insurance rates, Pierre car insurance rates, and Vermillion car insurance rates.

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

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

How do age, gender, and marital status affect Stratford, SD car insurance rates? Every Stratford, South Dakota 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, South Dakota

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 $2,478 $2,531 $2,186 $2,339 $10,236 $12,228 $2,804 $3,066
American Family $3,184 $3,184 $2,812 $2,812 $6,503 $9,548 $3,184 $3,917
Farmers $1,763 $1,766 $1,550 $1,615 $8,037 $8,355 $1,973 $2,101
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $4,141 $4,504 $3,267 $3,970 $15,785 $17,718 $4,360 $4,853
Nationwide $1,780 $1,829 $1,592 $1,700 $3,909 $5,045 $2,001 $2,174
Progressive $1,814 $1,780 $1,495 $1,545 $6,769 $7,686 $2,270 $2,375
State Farm $1,392 $1,392 $1,209 $1,209 $3,556 $4,546 $1,560 $1,759

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Minimum Car Insurance in Stratford, SD

Every driver must carry the minimum car insurance in Stratford, SD. Take a look at the South Dakota car insurance requirements.

Minimum Required Car Insurance Coverage in Stratford, South Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Stratford, SD Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Stratford, SD. 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, South Dakota

Insurance Company Poor Fair Good
Allstate $5,773 $4,511 $3,916
American Family $5,654 $4,074 $3,451
Farmers $3,833 $3,244 $3,109
GEICO $4,316 $2,191 $1,484
Liberty Mutual $10,610 $6,365 $4,999
Nationwide $3,028 $2,388 $2,096
Progressive $3,698 $3,092 $2,860
State Farm $3,023 $1,808 $1,401

Cheapest Stratford, SD 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, SD to rates for a clean record with top companies.

Annual Stratford, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,920 $4,560 $6,063 $4,390
American Family $3,192 $4,671 $6,053 $3,655
Farmers $2,892 $3,661 $3,571 $3,457
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $6,181 $7,655 $7,970 $7,493
Nationwide $1,819 $2,511 $3,581 $2,105
Progressive $2,772 $3,772 $2,989 $3,334
State Farm $1,938 $2,218 $2,078 $2,078

Cheapest Stratford, SD Car Insurance for Teen Drivers

Teen car insurance in Stratford, SD 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, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,236 $12,228
American Family $6,503 $9,548
Farmers $8,037 $8,355
GEICO $4,398 $5,174
Liberty Mutual $15,785 $17,718
Nationwide $3,909 $5,045
Progressive $6,769 $7,686
State Farm $3,556 $4,546

Cheapest Stratford, SD Car Insurance for Seniors

Take a look at Stratford, SD 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, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,186 $2,339
American Family $2,812 $2,812
Farmers $1,550 $1,615
GEICO $2,041 $1,881
Liberty Mutual $3,267 $3,970
Nationwide $1,592 $1,700
Progressive $1,495 $1,545
State Farm $1,209 $1,209

Cheapest Stratford, SD Car Insurance Rates After a DUI

A DUI in Stratford, SD increases car insurance rates. Compare Stratford, South Dakota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Stratford, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,063
American Family $6,053
Farmers $3,571
GEICO $4,443
Liberty Mutual $7,970
Nationwide $3,581
Progressive $2,989
State Farm $2,078

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Cheapest Stratford, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Stratford, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,618 $4,849
American Family $4,338 $4,448
Farmers $3,395 $3,395
GEICO $2,631 $2,696
Liberty Mutual $7,325 $7,325
Nationwide $2,504 $2,504
Progressive $3,217 $3,217
State Farm $2,027 $2,128

The Best Cheap Car Insurance Companies in Stratford, SD

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

Average Annual Car Insurance Rates by Company in Stratford, South Dakota

Insurance Company Average Annual Rates
Allstate $4,733
American Family $4,393
Farmers $3,395
GEICO $2,664
Liberty Mutual $7,325
Nationwide $2,504
Progressive $3,217
State Farm $2,078

Category Winners: Cheapest Car Insurance in Stratford, South Dakota

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

Best Annual Car Insurance Rates by Company in Stratford, South Dakota

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

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Cheapest Stratford, SD 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, SD car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Stratford, South Dakota

Insurance Company Low Medium High
Allstate $4,581 $4,724 $4,895
American Family $4,448 $4,526 $4,204
Farmers $3,243 $3,357 $3,586
GEICO $2,584 $2,660 $2,746
Liberty Mutual $7,201 $7,317 $7,456
Nationwide $2,363 $2,493 $2,655
Progressive $3,127 $3,186 $3,337
State Farm $2,004 $2,079 $2,150

What affects car insurance rates in Stratford, South Dakota?

What factors can have an impact on Stratford, SD 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, South Dakota.

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, SD is 28.0 minutes according to City-Data.

Compare Car Insurance Quotes in Stratford, SD

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

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