Cheapest Auto Insurance in Bridgeport, Connecticut (2024)

State Farm offers the cheapest car insurance in Bridgeport, with minimum-coverage policies as low as $75 per month.

Theresa Stevens
Theresa Stevens
  • AFCPE Accredited Financial Counselor

  • 6 years experience in the personal financial industry

Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.


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Katie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated June 16, 2024

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Cheapest recent rates near Bridgeport, Connecticut

Drivers using Insurify have found quotes as cheap as $58/mo for liability only and $97/mo for full coverage in Bridgeport and other Connecticut cities.

*Quotes generated for Insurify users in and around Bridgeport, Connecticut within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Bridgeport, Connecticut within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Bridgeport is the most populated city in Connecticut, and drivers face expensive car insurance rates. The average monthly car insurance premium in Bridgeport is $358 per month, which is much higher than the state average of $281 and the national average of $160.

The city has a relatively high population density of about 9,000 people per square mile, which can cause the kind of traffic congestion that contributes to higher car insurance rates. More people on the road in an area leads to increased chances for auto accidents and property damage.[1]

Despite above-average rates, comparing quotes can help you find affordable coverage. Here’s what you need to know about finding a cheap car insurance policy in Bridgeport.

Quick Facts
  • State Farm, GEICO, and USAA are the cheapest car insurance companies in Bridgeport.

  • Bridgeport drivers pay $268 per month for liability insurance and $448 for full-coverage insurance, on average.

  • Connecticut auto insurers can consider your credit-based insurance score when determining premiums.[2]

3 of the cheapest car insurance companies in Bridgeport

Bridgeport drivers have a wide selection of car insurance companies to consider when searching for affordable car insurance. Choosing the right insurer for you involves comparing quotes from different companies to find the best coverage and price for your needs.

Here’s a breakdown of a few of the top auto insurers in Bridgeport. The average quotes reflect statewide insurance costs in Connecticut.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.6$97$58Cheap rates
GEICO4.4$119$71Discounts
USAA4.7$132$79Military members
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$75/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$124/mo

State Farm is a highly rated insurance company offering several coverage options for Bridgeport drivers, including liability, comprehensive, rental car, and rideshare insurance. State Farm offers various discounts, including multiple discounts for young drivers and a discount when you bundle your auto, life, and home insurance.

Pros
  • Rideshare insurance available

  • Above-average customer satisfaction score in J.D. Power’s 2023 U.S. Auto Insurance Study

Cons
  • Gap insurance not available

  • Discount availability varies by state

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$152/mo

Established in 1936, GEICO is one of the biggest names in the insurance space. The company offers robust insurance coverage options and a wide array of discounts, such as savings for customer loyalty, safe driving, and bundling coverages. GEICO sells a number of additional insurance products, including home, renters, and life insurance.

Pros
  • Multiple available discounts

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Gap and rideshare insurance not available

  • Limited agent network

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

Best insurer for the military community: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$102/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$170/mo

USAA specializes in insurance and other financial products for military members and veterans. About 3,000 veterans living in Bridgeport can benefit from this unique membership. USAA customers have access to various savings opportunities, including good student, multi-vehicle, and legacy discounts. USAA also offers homeowners, renters, and life insurance.

Pros
  • Military-specific discounts

  • Rideshare insurance available

Cons
  • Coverage limited to military members, veterans, and their families

  • Coverage and discount offerings vary by state

Read our USAA review
Gerald - June 16, 2024
Verified

Unhappy

They keep raising the price.

Gerald - June 16, 2024
Verified

My Insurance Rates Have Gotten Very High

They are quick to raise their rates.

Kenneth - June 15, 2024
Verified

Not Good

They're not too good at relating to customers.

How to get the cheapest car insurance in Bridgeport

Car insurance rates can vary significantly by driver depending on various factors such as driving history, vehicle year and model, and ZIP code. It’s a good idea to compare multiple quotes to help you find a cheap policy that meets your coverage needs.

In addition to shopping around, you can use a few strategies to find cheap car insurance in Bridgeport:

  • Purchase minimum coverage. If you have an old or inexpensive vehicle, you can benefit from buying liability-only coverage because it’s cheaper than full-coverage insurance. But it means less protection for your vehicle and finances.

  • Increase your deductible. Raising your deductible can help you save money on your car insurance premium. Increasing your deductible means you’ll pay higher out-of-pocket costs in the event of a car accident, but you benefit from lower monthly premiums.

  • Maintain a clean driving record. Try to keep your driving record clean, as drivers with clean driving records generally pay less for car insurance than drivers with violations, such as at-fault accidents and speeding tickets.

Find Cheap Car Insurance in Bridgeport

Liability quotes start at $75/mo

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Cheapest liability-only car insurance in Bridgeport: State Farm

Liability-only car insurance covers injuries and damages you cause to others in a car accident. For example, if you cause a car accident, your liability insurance will cover the cost to repair or replace the other person’s vehicle up to the limits listed in your liability auto policy.

Liability insurance doesn’t cover the injuries or damages you suffer in a car accident, which is why many drivers purchase additional insurance, such as comprehensive and collision coverage.

In Bridgeport, liability-only car insurance rates start as low $75 per month.

Here are some of the cheapest average car insurance rates for liability-only policies in Bridgeport.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance Company Average Monthly Quote
State Farm$75
GEICO$91
USAA$102
Liberty Mutual$117
Midvale Home & Auto$125
Progressive$142
Travelers$151
Nationwide$165
CSAA$169
Allstate$174
Foremost$312
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Bridgeport: State Farm

Full-coverage car insurance offers broader protection than liability-only insurance. It typically includes comprehensive, collision, and liability insurance. Experts generally recommend full-coverage insurance for drivers with a newer or more valuable vehicle that would be expensive to repair or replace with out-of-pocket funds.

If you have a vehicle loan or lease, your lender may require you to purchase a full-coverage policy. Even if you don’t need to purchase it, you should consider full-coverage insurance for added vehicle and financial protection.

Full-coverage car insurance policies in Bridgeport start at $124 per month. Compare some of the cheapest average rates for full-coverage car insurance in Bridgeport below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance Company Average Monthly Quote
State Farm$124
GEICO$152
Safeco$158
USAA$170
State Auto$197
Liberty Mutual$227
Progressive$236
Midvale Home & Auto$237
CSAA$243
Travelers$250
Nationwide$274
Allstate$290
Foremost$346
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Bridgeport, Connecticut

Drivers using Insurify have found quotes as cheap as $58/mo for liability only and $108/mo for full coverage in Bridgeport and other Connecticut cities.

*Quotes generated for Insurify users in and around Bridgeport, Connecticut within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Bridgeport, Connecticut within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Connecticut

Connecticut law requires all drivers to buy a minimum amount of liability insurance. Connecticut has a fault-based (tort) system when it comes to financial responsibility following a car accident.[3] In a fault-based system, the driver responsible for causing a car accident must cover the other party’s resulting damage and injury.

If you cause an accident, your liability car insurance will generally cover the resulting losses up to the limits specified in your policy.

Here are the specific minimum-coverage requirements in Connecticut:[4]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

If you want stronger protection for your vehicle, consider buying these common optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays to repair or replace your vehicle after a collision with another vehicle or object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision incident damages your vehicle, like severe weather, vandalism, or theft, comprehensive insurance can cover the cost of vehicle repairs or replacement.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    If you total your car, gap insurance will cover the difference between the value of your vehicle and the amount you owe on your car loan.

  • illustration card https://a.storyblok.com/f/162273/100x100/26eb27a188/rideshare-coverage.svg

    Rideshare coverage

    Rideshare coverage protects you while using your car for business purposes for companies like Uber, Lyft, and DoorDash.

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Cheapest car insurance for drivers with an incident

Having past incidents on the road, such as at-fault accidents, speeding tickets, DUIs, and other moving violations, can increase your car insurance premium. Insurance companies see drivers with incidents as riskier than drivers with clean driving records.

The average cost of liability insurance for Bridgeport drivers with a past incident is $351 per month. You can try to lower your car insurance after an incident by shopping around and taking a defensive driving course.

Compare the cost of liability insurance for drivers with a past incident below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$75$95$97$122
GEICO$91$116$118$147
USAA$102$129$132$165
Liberty Mutual$117$164$166$190
Midvale Home & Auto$125$165$172$203
Progressive$142$181$187$230
Travelers$151$193$197$245
Nationwide$165$212$216$267
CSAA$169$221$229$274
Allstate$174$221$225$282
Foremost$312$438$443$506
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Your age is one of the most significant factors auto insurance companies consider when setting rates. Teen drivers pay the highest car insurance premiums because they have the highest crash rate out of any other group.[5]

Car insurance premiums generally decrease for drivers around age 35 but increase around age 70 because older drivers have a higher accident rate and are more likely to suffer serious injuries in a car accident than young adults.[6]

The table below includes the average monthly car insurance quotes for different age groups in Bridgeport.

AgeAverage Monthly Quote
Teens$756
20s$494
30s$388
40s$373
50s$325
60s$292
70s$297
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Bridgeport car insurance quotes by credit tier

Like most states, Connecticut allows car insurance companies to consider a driver’s credit-based insurance score when setting rates. Insurance companies typically view people with bad credit scores as riskier to insure than drivers with excellent or good credit scores. For this reason, drivers with good credit pay cheaper rates than drivers with bad credit.

Here are the average monthly full-coverage car insurance quotes by credit tier for Bridgeport drivers.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Bridgeport car insurance FAQs

Before you start shopping around for insurance quotes, you should determine the right amount of coverage for your unique needs. The following information should help answer your remaining questions.

  • How much is car insurance in Bridgeport?

    The overall cost of car insurance in Bridgeport is $358 per month. On average, Bridgeport drivers pay $268 per month for liability insurance and $448 for full-coverage insurance. Ultimately, your car insurance premium will depend on your driving record, age, credit history, and more.

  • Which companies have the cheapest car insurance in Bridgeport?

    The cost of liability car insurance from State Farm is $75 per month, making it the cheapest insurer in Bridgeport. GEICO and USAA also have cheap liability insurance, with monthly rates of $91 and $102, respectively. The easiest way to find cheap car insurance is to compare quotes from multiple insurers at once.

  • What are the best car insurance companies in Bridgeport?

    With an AM Best financial strength rating of A++ (Superior), an Insurify Quality (IQ) Score of 4.6 out of 5, and customizable coverage options, State Farm is the best car insurance company in Bridgeport. Drivers in Connecticut with State Farm coverage pay $58 per month for liability insurance and $97 for full-coverage insurance, on average.

    USAA, GEICO, and Travelers are three other top insurers in Bridgeport.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "QuickFacts Bridgeport city, Connecticut."
  2. FindLaw. "Connecticut General Statutes Title 38A."
  3. NOLO. "Connecticut Car Insurance Requirements."
  4. Connecticut General Assembly Office of Legislative Research. "State Minimum Auto Insurance Requirements."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  6. Centers for Disease Control and Prevention. "Older Adult Drivers."
Theresa Stevens
Theresa Stevens

Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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