13+ years writing insurance and personal finance content
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Updated November 21, 2024
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Table of contents
Where you live — down to the ZIP code — can affect your car insurance spending. How much Danbury drivers spend on car insurance depends on what type of coverage they choose. In Danbury, the overall average cost of car insurance is $272, which is higher than the national average of $154.
Bad weather patterns that make driving dangerous could be contributing to these high auto insurance rates, among other factors. Connecticut experiences more rainy and snowy days than the national average, which could put drivers at an increased risk for accidents.
Saving money on your car insurance policy can really add up month after month, so here’s what you should know about finding affordable car insurance in Danbury.
Danbury drivers pay an average of $335 per month for full coverage and $208 per month for liability-only coverage.
On average, drivers in Danbury spend $3,260 per year on car insurance.
Insurance companies in Connecticut can consider your credit history when determining your car insurance rates.
Cheapest car insurance companies in Danbury
When you’re looking for cheap car insurance in Danbury, you need to balance finding the lowest rates for your unique insurance needs.
For example, you may require a niche type of coverage like classic car coverage, desire coverage for medical bills, or you may want to work with an insurance company that allows you to manage your policy 100% online through the insurer’s website.
To help you find the right fit, here’s a closer look at three of the most affordable car insurance companies in Danbury. The rates shown in the table below are for the state of 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 ▲▼ |
---|---|---|---|---|
USAA | 9.4 | $128 | $77 | Military community |
State Farm | 9.3 | $94 | $56 | Discounts |
GEICO | 9.0 | $115 | $69 | Bundling |
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 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 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. | 9.4 /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. | $69/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. | $116/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
USAA car insurance is an ideal choice for active-duty military personnel, veterans, and their families in the United States. This insurance business has policies that cater to this specific demographic, offering competitive rates, comprehensive coverage, and excellent customer service. With two military bases located in Connecticut, USAA may be a good fit for people who live on base.
Members save an average of $725 per year when they switch, according to the company
Savings of up to 30% possible via SafePilot program
Must meet eligibility requirements
No 24/7 customer service
Best insurer for discounts: State Farm
User Reviews | 4.2 |
---|---|
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. | $50/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. | $85/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Charles
November 19, 2024
New Car Price
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
State Farm stands out as a company with some of the most competitive auto insurance rates in Connecticut. It also offers various discounts that can help customers lower their premiums, such as having anti-theft features like an alarm system in your vehicle.
Additionally, if you insure multiple family drivers through State Farm, you can enjoy reduced rates across all policies. For households with teens or college-aged drivers, maintaining good grades can also lead to savings through the good student discount. You can chat with a State Farm insurance agent about any discounts you may qualify for.
Variety of available discounts
Above-average J.D. Power customer satisfaction ranking in New England
Online policy purchasing not available
Gap insurance not available
Best insurer for bundling: GEICO
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. | 9.0 /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. | $62/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. | $104/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
George
November 19, 2024
Service
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
GEICO provides opportunities for savings when you combine your auto insurance with other types of insurance products, like home, condo, motor home, or renters insurance. This can help Danbury drivers bring down the cost of their car insurance premiums. Additionally, GEICO offers a top-rated mobile app, simplifying policy management and access while you’re on the move.
Highly rated mobile app
Top J.D. Power customer satisfaction rating in New England
No rideshare insurance for Uber and Lyft drivers
Gap insurance not available
How to get the cheapest car insurance in Danbury
To cut down on your car insurance expenses in Danbury, take note of these cost-saving strategies:
Car shop smartly. Car owners can save on insurance by choosing the right type of car. Opt for a more affordable vehicle, since they tend to have lower repair and replacement costs, resulting in reduced insurance claims.
Ask about discounts. Don’t be afraid to ask about potential discounts when speaking with your insurance company. Insurers frequently offer discounts for defensive driving courses, going paperless, and good academic performance. Identifying and applying these discounts can help lower your insurance costs. See if you can get a bundling discount for other insurance products — like homeowners insurance, health insurance, or life insurance — to save on more than one policy at once.
Shop around. It’s crucial to invest time in researching and comparing quotes from multiple insurance companies. This will help you identify the insurance policy that best aligns with your budget and coverage needs.
Cheapest liability-only car insurance in Danbury: State Farm
Liability-only car insurance is a type of affordable coverage that’s required in nearly every state. It pays for injuries and property damage resulting from accidents you’re at fault for, but it doesn’t pay for your vehicle repairs.[1] It’s a budget-friendly choice, often preferred for older or less expensive cars. Drivers in Danbury pay $208 on average for liability insurance.
If you’re looking for an inexpensive liability-only policy in Danbury, review the following table to see which insurance companies offer the lowest average rates.
Insurance Company ▲▼ | Average Monthly Rate ▲▼ |
---|---|
State Farm | $50 |
GEICO | $62 |
USAA | $69 |
Progressive | $95 |
Travelers | $102 |
CSAA | $104 |
Nationwide | $112 |
Allstate | $118 |
Bristol West | $220 |
Foremost | $224 |
Direct Auto | $229 |
National General | $245 |
Amica | $249 |
Cheapest full-coverage car insurance in Danbury: State Farm
The key distinction between liability-only and full-coverage car insurance lies in what they encompass. Liability only covers third-party damages when you’re at fault, while full coverage extends that protection to your own vehicle, including theft, accidents, and natural disasters.
Drivers with newer or more expensive cars typically benefit from full-coverage insurance, ensuring comprehensive safeguarding for their investment. And if you finance or lease your car, your lender will require you to carry full coverage. An average, Danbury drivers pay $335 per month for full-coverage insurance.
The table below lists top insurers for affordable full-coverage car insurance companies in Danbury.
Insurance Company ▲▼ | Average Monthly Rate ▲▼ |
---|---|
State Farm | $85 |
GEICO | $104 |
USAA | $116 |
CSAA | $150 |
Progressive | $160 |
Travelers | $171 |
Nationwide | $187 |
Allstate | $198 |
Foremost | $245 |
Bristol West | $366 |
Direct Auto | $406 |
Amica | $418 |
National General | $436 |
Cheapest recent rates near Danbury, Connecticut
Recent Danbury, Connecticut car insurance prices for Mazda, Nissan, Volkswagen , and more.
*Quotes generated for Insurify users in and around Danbury, Connecticut within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Danbury, Connecticut within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Connecticut
Connecticut, operating as an at-fault state — also known as a tort state — adopted this system in 1994. Under this framework, the driver responsible for a car accident is obligated to cover the damages and injuries sustained by the other parties, typically through their liability insurance.
Connecticut follows a modified comparative negligence rule, enabling you to seek compensation for your losses even if you share some blame for the accident. As long as your responsibility is 50% or less, you may be eligible for damage recovery. To avoid fines and registration suspension, drivers must furnish proof of insurance, adhering to Connecticut’s minimum car insurance requirements.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $25,000 per accident |
While you must maintain the minimum coverage levels the state requires, you have the option to enhance your auto insurance policy with the following coverages:
Collision coverage
Collision coverage addresses damages incurred in collisions, regardless of fault, whether you hit stationary objects or other vehicles.
Comprehensive coverage
Comprehensive coverage deals with damages stemming from non-collision events, such as fire, vandalism, theft, falling objects, and natural disasters.
Gap coverage
If you financed or leased your vehicle, gap insurance covers the shortfall between your auto loan balance and the insurance settlement in case of a total loss.
Uninsured/underinsured motorist coverage
This policy steps in when an uninsured or inadequately insured driver is responsible for an accident, covering your damages and injuries.
Glass coverage
Don’t overlook the significance of glass protection, encompassing windshield and glass damage and potentially providing no-deductible coverage for side windows, rear windows, and glass sunroofs.
Cheapest car insurance for drivers with an incident
Finding the cheapest car insurance in Danbury for drivers with incidents (including speeding tickets, driving under the influence (DUI) occurrences, at-fault accidents, and other moving violations) can be challenging. The reason behind the rate hikes for such drivers lies in the higher risk they represent to insurance companies.
Drivers with an incident on their record pay on average $271 for liability insurance compared to drivers with a clean record who pay $208 per month. Increased incidents often result in higher rates as insurers anticipate a greater likelihood of future claims.[3]
You can see from the following table how insurance rates can increase after an incident.
Insurance Company ▲▼ | Clean Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
State Farm | $50 | $64 | $66 | $81 |
GEICO | $62 | $81 | $83 | $101 |
USAA | $69 | $90 | $92 | $112 |
Progressive | $95 | $123 | $128 | $154 |
Travelers | $102 | $134 | $137 | $165 |
CSAA | $104 | $138 | $144 | $151 |
Nationwide | $112 | $147 | $151 | $182 |
Allstate | $118 | $153 | $157 | $191 |
Bristol West | $220 | $288 | $293 | $357 |
Foremost | $224 | $313 | $319 | $363 |
Direct Auto | $229 | $298 | $312 | $371 |
National General | $245 | $320 | $326 | $397 |
Amica | $249 | $350 | $360 | $366 |
Average cost of car insurance by age
Teenagers and young drivers can expect to spend more on car insurance because their lack of driving experience and maturity can lead to them filing more claims than older drivers. Luckily, rates tend to decrease around age 35 once drivers become more competent and responsible.
However, rates can start to increase again around age 70, as older drivers can struggle to keep a clean driving record due to changes in vision and reaction times.[4]
The next table highlights how car insurance rates can change as we age.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $401 |
20s | $250 |
30s | $314 |
40s | $183 |
50s | $154 |
60s | $143 |
70s | $147 |
Danbury car insurance quotes by credit tier
In Connecticut, car insurance companies can factor in your credit-based insurance score when setting rates. The goal is to achieve an excellent or good credit score, as this typically results in lower insurance premiums. Insurers often associate poor credit scores with a higher likelihood of filing claims.[5]
In Danbury, the effect of credit scores on average car insurance rates is noticeable.
Rates by Credit Tier
Danbury car insurance FAQs
If you’re shopping for car insurance in Danbury, Connecticut, this additional information may help as you research your coverage options.
How much is car insurance in Danbury?
Car insurance in Danbury costs $208 per month for liability-only coverage and $335 per month for a full-coverage policy, according to Insurify data.
Which company has the cheapest car insurance in Connecticut?
State Farm and GEICO have the cheapest car insurance in Connecticut, with monthly liability-only rates of $56 and $69, respectively. But the best insurance company for you will depend on many factors, including your age, where you live, the type of car you drive, and your driving history. Comparing quotes from at least three different insurance companies is the best way to find coverage that meets your needs.
What are the best car insurance companies in Danbury?
With the highest J.D. Power customer satisfaction rating in New England and an AM Best financial strength rating of A++ (Superior), GEICO is the best car insurance company in Danbury. Other top insurers include State Farm and USAA.
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
- 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.
Related articles
More cities in Connecticut
Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Connecticut General Assembly. "State Minimum Auto Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in