Stuarts Draft drivers pay an average of $1,492/year — $279 less than the national average. With 133 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $340/year.
(888) 217-6781Estimated full coverage auto insurance rates for Stuarts Draft, VA from top carriers. Rates are adjusted for Stuarts Draft's 133 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $497 | $83/mo |
| GEICO | $564 | $94/mo |
| Progressive | $636 | $106/mo |
| State Farm | $699 | $116/mo |
| Allstate | $849 | $141/mo |
Estimates based on 2026 rate filings for ZIP 24477. USAA is cheapest at ~$83/mo. Actual rates vary by driver profile and exact Stuarts Draft location.
These Stuarts Draft-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Stuarts Draft, VA. Takes under 2 minutes.
(888) 217-6781Stuarts Draft is a smaller city in Virginia with a population of 12,142. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hurricanes, nor'easters, flooding, thunderstorms, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Stuarts Draft.
For official Virginia insurance regulations, visit the Virginia Bureau of Insurance. For driver licensing, see the Virginia DMV.
Your specific ZIP code within Stuarts Draft can swing your premium by hundreds of dollars. Here's how rates compare across Stuarts Draft neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 24489 | Stuarts Draft South Side | $1,424/yr | $119/mo |
| 24478 | Stuarts Draft North Side | $1,446/yr | $121/mo |
| 24489 | Stuarts Draft West Side | $1,487/yr | $124/mo |
| 24487 | Stuarts Draft East Side | $1,500/yr | $125/mo |
| 24477 | Stuarts Draft Downtown/Central | $1,634/yr | $136/mo |
The cheapest ZIP is 24489 (Stuarts Draft South Side) at $1,424/yr. The most expensive is 24477 (Stuarts Draft Downtown/Central) at $1,634/yr — a $210/year difference for the same driver.
Your Stuarts Draft ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Stuarts Draft. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,133/yr | $261/mo | +110% vs avg |
| Young Adult (20-25) | $2,089/yr | $174/mo | +40% vs avg |
| Adult (26-35) | $1,492/yr | $124/mo | 0% vs avg |
| Mid-Career (36-50) | $1,313/yr | $109/mo | -12% vs avg |
| Senior (51-65) | $1,238/yr | $103/mo | -17% vs avg |
| 65+ | $1,328/yr | $111/mo | -11% vs avg |
Teens in Stuarts Draft pay an average of $3,133/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,238/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Virginia cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Stuarts Draft drivers can save up to $340/year. ZIP 24489 (Stuarts Draft South Side) has the lowest rates starting at $1,424/yr.
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