Cheapest Auto Insurance in Danbury, Connecticut (2024)

A liability-only insurance policy costs Danbury drivers an average of $167 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 CoxManaging 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 February 26, 2024 at 11:00 AM PST

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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 $221, which is higher than the national average of $156.

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 $274 per month for full coverage and $167 per month for liability-only coverage.

  • On average, drivers in Danbury spend $2,649 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
USAA4.5$135$81Military community
State Farm4.5$99$59Discounts
GEICO4.2$121$73Bundling
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

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.
4.3
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.
$74/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.
$123/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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

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.
4.4
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.
$54/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.
$90/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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

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.
4.3
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.
$66/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.
$110/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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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

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.

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 CompanyAverage Monthly Quote
State Farm$50
GEICO$61
USAA$68
Plymouth Rock$90
State Auto$81
Safeco$73
Travelers$101
Midvale Home & Auto$84
Liberty Mutual$95
Progressive$95
CSAA$120
Allstate$117
Direct Auto$171
Bristol West$202
Amica$246
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

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.

Review this table for more insight into affordable full-coverage car insurance companies in Danbury.

Insurance CompanyAverage Monthly Quote
State Farm$83
GEICO$102
Nationwide$112
USAA$113
Plymouth Rock$116
State Auto$127
Safeco$129
Travelers$136
Midvale Home & Auto$150
Liberty Mutual$157
Progressive$160
CSAA$169
Foremost$185
Allstate$194
Direct Auto$220
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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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. 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 CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$50$66$71$77
GEICO$61$82$88$95
USAA$68$91$97$105
Plymouth Rock$90$120$129$139
State Auto$81$108$115$125
Safeco$73$98$105$113
Travelers$101$135$144$156
Midvale Home & Auto$84$113$120$130
Liberty Mutual$95$127$136$147
Progressive$95$127$136$147
CSAA$120$161$172$186
Allstate$117$156$167$181
Direct Auto$171$228$244$264
Bristol West$202$270$288$312
Amica$246$330$352$381
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 impaired vision and decreased reaction time.[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 $167 per month for liability-only coverage and $274 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 $59 and $73, 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." Accessed September 28, 2023
  2. Connecticut General Assembly. "State Minimum Auto Insurance Requirements." Accessed September 28, 2023
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed September 28, 2023
  4. Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed September 28, 2023
  5. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed September 28, 2023
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 CoxManaging Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxManaging 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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