Cheapest Auto Insurance in Danbury, Connecticut (2024)

A liability-only insurance policy costs Danbury drivers an average of $181 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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 June 13, 2024

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Cheapest recent rates near Danbury, Connecticut

Drivers in and around Danbury, Connecticut have found policies from Progressive, GEICO, USAA, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Danbury, 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 Danbury, 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.

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 $252, which is higher than the national average of $160.

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.

Quick Facts
  • Danbury drivers pay an average of $323 per month for full coverage and $181 per month for liability-only coverage.

  • On average, drivers in Danbury spend $3,024 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 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
USAA4.7$132$79Military community
State Farm4.6$97$58Discounts
GEICO4.4$119$71Bundling
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 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. Criteria are weighted 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. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.
$72/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.
$120/mo

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.

Pros
  • Members save an average of $725 per year when they switch, according to the company

  • Savings of up to 30% possible via SafePilot program

Cons
  • Must meet eligibility requirements

  • No 24/7 customer service

Read our USAA review
Dorothy - June 13, 2024
Verified

Price

It's a good company, but the price increases every year.

Steven - June 13, 2024
Verified

Hopeless

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Best insurer for discounts: 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.
$53/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.
$87/mo

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.

Pros
  • Variety of available discounts

  • Above-average J.D. Power customer satisfaction ranking in New England

Cons
  • Online policy purchasing not available

  • Gap insurance not available

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best insurer for bundling: 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.
$64/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.
$107/mo

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.

Pros
  • Highly rated mobile app

  • Top J.D. Power customer satisfaction rating in New England

Cons
  • No rideshare insurance for Uber and Lyft drivers

  • Gap insurance not available

Read our GEICO review
Joyce - June 13, 2024
Verified

Excellent

Use Geico, they will work with you.

Polly - June 13, 2024
Verified

Very Sad

The rates are too high.

Larry - June 12, 2024
Verified

Poor

The insurance is overpriced.

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.

Find Car Insurance in Danbury, Connecticut

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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 $181 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Rate
State Farm$53
GEICO$64
USAA$72
Liberty Mutual$82
Midvale Home & Auto$88
Progressive$100
Travelers$106
Nationwide$116
CSAA$119
Allstate$122
Direct Auto$199
Foremost$219
Bristol West$222
Amica$258
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 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 $323 per month for full-coverage insurance.

The table below lists top insurers for affordable full-coverage car insurance companies in Danbury.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Rate
State Farm$87
GEICO$107
Safeco$111
USAA$120
State Auto$139
Liberty Mutual$160
Progressive$166
Midvale Home & Auto$167
CSAA$171
Travelers$176
Nationwide$193
Allstate$204
Foremost$244
Direct Auto$363
Bristol West$371
Amica$431
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 Danbury, Connecticut

Drivers in and around Danbury, Connecticut have found policies from Direct Auto, Allstate, Bristol West, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Danbury, 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 Danbury, 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, 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]

CoverageMinimum 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:

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

    Collision coverage

    Collision coverage addresses damages incurred in collisions, regardless of fault, whether you hit stationary objects or other vehicles.

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

    Comprehensive coverage

    Comprehensive coverage deals with damages stemming from non-collision events, such as fire, vandalism, theft, falling objects, and natural disasters.

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

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/3220fb55f1/broken-windshield.svg

    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 $237 for liability insurance compared to drivers with a clean record who pay $181 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$53$67$68$86
GEICO$64$81$83$104
USAA$72$91$93$117
Liberty Mutual$82$115$116$133
Midvale Home & Auto$88$116$121$143
Progressive$100$127$132$162
Travelers$106$136$138$172
Nationwide$116$149$152$188
CSAA$119$156$162$193
Allstate$122$155$158$198
Direct Auto$199$255$264$323
Foremost$219$308$311$355
Bristol West$222$280$283$360
Amica$258$355$362$371
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

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.

AgeAverage Monthly Quote
Teens$401
20s$250
30s$314
40s$183
50s$154
60s$143
70s$147
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.

Shop for Car Insurance in Danbury, CT

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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

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.

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 $181 per month for liability-only coverage and $323 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 $58 and $71, 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
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. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  2. Connecticut General Assembly. "State Minimum Auto Insurance Requirements."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Centers for Disease Control and Prevention. "Older Adult Drivers."
  5. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
Jacqueline DeMarco
Jacqueline DeMarco

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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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

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