Cheapest Auto Insurance in Bridgeport, Connecticut (2026)
State Farm offers the cheapest car insurance in Bridgeport, with minimum-coverage policies as low as $119 per month.
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Theresa Stevens
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6 years experience in the personal financial industry
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Bridgeport is the most populated city in Connecticut, and drivers face expensive car insurance rates. The average monthly car insurance premium in Bridgeport is $223 per month, which is much higher than the state average of $196 and the national average of $140.
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, Safeco, and GEICO are the cheapest car insurance companies in Bridgeport.
Bridgeport drivers pay $179 per month for liability insurance and $267 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 Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| State Farm | 9.3 | $160 | $105 | Cheap rates |
| GEICO | 9.2 | $205 | $133 | Discounts |
| USAA | 9.1 | $219 | $143 | Military members |
Disclaimer: Table data sourced from real-time Bridgeport car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bridgeport 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 10 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 55,000 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
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $119/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. | $182/mo |
4.0
Best choiceBased on 17,261 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 11 Connecticut reviews for Bridgeport driversSee all 7,412 State Farm reviews
Verified Review
Reviewed in Connecticut on April 19, 2026
State Farm is excellent insurance, but their rate in Connecticut was almost three times their rate in Florida, so I had to change to Progressive. Not happy about it, but what else can I do?
Verified Review
Reviewed in Connecticut on April 7, 2026
Guard your wallet. Rates go up every 6 months.
Verified Review
Reviewed in Connecticut on February 24, 2026
Too expensive, especially because most of it goes to the agent. I am going to try a broker.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for discounts: GEICO
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $151/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. | $233/mo |
3.9
A solid optionBased on 17,512 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 27 Connecticut reviews for Bridgeport driversSee all 7,636 GEICO reviews
Verified Review
Reviewed in Connecticut on April 18, 2026
Too high - $200+
Verified Review
Reviewed in Connecticut on April 18, 2026
Consistently lowest rate compared with all others. Provided the quote without going over the information requested again and again.
Verified Review
Reviewed in Connecticut on April 15, 2026
It's better than the other insurance for me. It's the cheapest right now for me, but it can be expensive as well.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for the military community: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $162/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. | $249/mo |
4.9
Best choiceBased on 3,448 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 3 Connecticut reviews for Bridgeport driversSee all 1,538 USAA reviews
Verified Review
Reviewed in Connecticut on January 14, 2026
USAA is fabulous! They seem a bit more expensive than they used to be. I have been their customer for about 56 years.
Verified Review
Reviewed in Connecticut on August 19, 2025
Absolutely wonderful! 60 years of great reliability.
Verified Review
Reviewed in Connecticut on August 2, 2025
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
741NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
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 $119/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 $119 per month.
Here are some of the cheapest average car insurance rates for liability-only policies in Bridgeport.
The below rates in Bridgeport, CT, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $119 |
| Safeco | $137 |
| GEICO | $151 |
| USAA | $162 |
| Progressive | $164 |
| Direct Auto | $181 |
| Root | $199 |
| Travelers | $238 |
| National General | $242 |
| Nationwide | $262 |
| Allstate | $278 |
| Bristol West | $303 |
| Liberty Mutual | $345 |
Disclaimer: Table data sourced from real-time Bridgeport car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bridgeport 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 $182 per month. Compare some of the cheapest average rates for full-coverage car insurance in Bridgeport below.
The below rates in Bridgeport, CT, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $182 |
| Safeco | $189 |
| CSAA | $213 |
| GEICO | $233 |
| Progressive | $245 |
| USAA | $249 |
| Root | $255 |
| Direct Auto | $303 |
| Travelers | $365 |
| Nationwide | $403 |
| National General | $420 |
| Allstate | $427 |
| Liberty Mutual | $430 |
| Bristol West | $475 |
Disclaimer: Table data sourced from real-time Bridgeport car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bridgeport may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Bridgeport, Connecticut drivers
Recent Bridgeport, Connecticut car insurance prices for Drivers using Insurify have found quotes as cheap as $133/mo for liability only and $189/mo for full coverage in Bridgeport and other Connecticut cities., and more.
*Quotes generated for Insurify users in and around Bridgeport, Connecticut within the last 10 days. Last updated on April 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 21, 2026. 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 April 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 21, 2026. 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]
Coverage | Minimum 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:
Collision coverage
Collision insurance pays to repair or replace your vehicle after a collision with another vehicle or object, regardless of fault.
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.
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.
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 $202 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 in Bridgeport, CT, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $119 | $147 | $152 | $182 |
| Safeco | $137 | $175 | $185 | $221 |
| GEICO | $151 | $192 | $191 | $229 |
| Progressive | $164 | $193 | $201 | $264 |
| USAA | $162 | $203 | $210 | $247 |
| Direct Auto | $181 | $221 | $238 | $276 |
| Root | $199 | $258 | $258 | $306 |
| Travelers | $238 | $300 | $310 | $363 |
| Nationwide | $262 | $330 | $341 | $400 |
| Allstate | $278 | $351 | $360 | $424 |
| Bristol West | $303 | $371 | $385 | $462 |
| Liberty Mutual | $345 | $426 | $442 | $526 |
Disclaimer: Table data sourced from real-time Bridgeport car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bridgeport 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.
Age | Average Monthly Quote |
|---|---|
| Teens | $756 |
| 20s | $494 |
| 30s | $388 |
| 40s | $373 |
| 50s | $325 |
| 60s | $292 |
| 70s | $297 |
Disclaimer: Table data is based on real-time Bridgeport quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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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
Category | Price |
|---|---|
| Excellent | $323 |
| Good | $382 |
| Fair | $420 |
| Poor | $605 |
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 $223 per month. On average, Bridgeport drivers pay $179 per month for liability insurance and $267 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 $119 per month, making it the cheapest insurer in Bridgeport. Safeco and GEICO also have cheap liability insurance, with monthly rates of $137 and $151, 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 9.3 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 $105 per month for liability insurance and $160 for full-coverage insurance, on average.
USAA, GEICO, and Travelers are three other top insurers in Bridgeport.
Sources
- United States Census Bureau. "QuickFacts Bridgeport city, Connecticut."
- FindLaw. "Connecticut General Statutes Title 38A."
- NOLO. "Connecticut Car Insurance Requirements."
- Connecticut General Assembly Office of Legislative Research. "State Minimum Auto Insurance Requirements."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Written byTheresa Stevens
Theresa Stevens
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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