3 years of content writing
Bylines with leading financial publications
Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Updated November 20, 2024
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Table of contents
The average monthly cost for full-coverage car insurance in Stamford, Connecticut, is $374, compared to the state average of $379 and the national average of $204.
Stamford may see cheaper premiums compared to other Connecticut cities because it experiences fewer crashes than major cities with similar population sizes.[1] But Connecticut’s vulnerability to severe weather, increased accident rates across the state, and persistent traffic congestion contribute to higher insurance costs for all residents.
Comparing car insurance rates from multiple insurance companies can help Stamford drivers find the most affordable coverage for their needs.
State Farm is the cheapest insurer for both liability-only and full-coverage car insurance in Stamford, Insurify data shows.
GEICO and USAA are the second- and third-cheapest car insurance companies in Stamford.
Stamford had the second-lowest rate of fatal injuries among large Connecticut cities between 2020 and 2023, according to state data.
3 of the cheapest car insurance companies in Stamford
For many drivers in Stamford, State Farm, GEICO, and USAA offer competitive rates. You can see different rates on your auto insurance policy based on a number of factors. For example, your driving record is an indicator of your risk of filing a claim. The higher your risk level is, the more expensive your rates will be.
Your policy’s coverage type and amount also affect your premium. While comprehensive or specialized coverages increase your protection, you’ll have to pay more for them than for a policy with only minimum coverage.
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 | $94 | $56 | Mileage-based insurance |
GEICO | 9.0 | $115 | $69 | Drivers with clean records |
USAA | 9.4 | $128 | $77 | Military families |
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 mileage-based insurance: 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. | $55/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. | $92/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.
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
Ronald
November 18, 2024
Very Expensive Auto and Home
Drivers in Connecticut travel approximately 11,122 miles per year, which is lower than the national average. Stamford has a robust transit system and infrastructure that’s designed for easy cycling and walking.
Low-mileage drivers can get a discount through State Farm’s usage-based program, Drive Safe & Save. You can score up to 30% in savings for safe driving through the program.
Largest insurance company by market share
Above-average J.D. Power claims satisfaction rating
Gap insurance not available
Accident forgiveness not available
Best insurer for drivers with clean records: 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. | $67/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. | $113/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.
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
Chris
November 18, 2024
Poor
In 2022, Stamford experienced 4,197 crashes, lower than other major cities in Connecticut. People with good driving records can save money with GEICO through various discounts.
For example, GEICO offers up to 22% off your policy if you remain accident-free for at least five years. GEICO’s telematics program, DriveEasy, also saves you up to 25% on your premium for safe driving.
Many discounts and coverage options
Competitive rates for good drivers, seniors, and young drivers
Rideshare and gap insurance not available
Limited insurance agent network
Best insurer for military families: 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. | $75/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $126/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
If you’re one of 36,000 active-duty military members, reservists, or qualifying family members in Connecticut, consider USAA for your auto insurance needs. USAA has an excellent record of claims satisfaction and has high marks in financial strength. It also received above-average ratings for customer satisfaction from J.D. Power in all 11 regions surveyed.
Discount of up to 30% for safe driving
Affordable premiums and many discounts
Only available to active-duty service members, veterans, and their immediate family
No 24/7 live customer service
How to get the cheapest car insurance in Stamford
Factors like location, age, gender, marital status, and driving history influence your car insurance premium. The good news is that you don’t have to settle for the first price you get.
If you live in Connecticut, here are several ways to get a car insurance policy in your budget:
Compare prices. If you’re not shopping around regularly, you may not get the lowest rates on your auto policy. It’s a good idea to look for car insurance at least once a year to find the best rates. Using a quote-comparison tool can expedite the process.
Maintain or improve your driving record. Your driving record indicates how likely you are to get in an accident and file a claim. As a result, it affects the car insurance rates you receive. If you have a moving violation like an at-fault accident, investing in a defensive driving course could improve your confidence on the road.
Seek discounts. Review your insurer’s website or call your insurance agent for discounts you may qualify for. A popular discount is the multi-policy discount, which saves you more if you buy multiple insurance products from the same company. For example, you can bundle your auto insurance with your home insurance and renters insurance policy for a discount.
Increase your deductible. A deductible is the amount you pay out of pocket before your insurance company pays your claim. Choosing a higher deductible leads to cheaper premiums. If you opt for a higher deductible, be sure to save up for it in case you have to file a claim.
Consider pay-per-mile insurance. Pay-per-mile insurance calculates your premiums based on how many miles you drive. If you clock fewer miles than the average driver, it could save you more money than a traditional full-coverage policy.
Cheapest liability-only car insurance in Stamford: State Farm
Like most states, Connecticut requires all drivers to have a minimum amount of liability insurance. If you cause an accident, your liability coverage pays for the other driver’s property damages and injuries. It doesn’t cover your losses.
In Stamford, the average cost of liability car insurance is $216 per month. Here are liability-only quotes from some top insurers in Stamford.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $55 |
GEICO | $67 |
USAA | $75 |
Progressive | $104 |
Travelers | $110 |
CSAA | $112 |
Nationwide | $121 |
Allstate | $128 |
Bristol West | $238 |
Foremost | $243 |
Direct Auto | $248 |
National General | $266 |
Amica | $271 |
Cheapest full-coverage car insurance in Stamford: State Farm
While your liability car insurance takes care of other drivers’ damages, full-coverage car insurance takes care of yours. If you’re in a car accident, full coverage can pay to repair or replace your vehicle, regardless of who’s at fault.
While buying liability-only insurance can save you a good amount of money, it’s likely not enough coverage to protect you if you’re in an accident. Drivers who commute regularly and live in an area with high-risk factors should carry full-coverage insurance. If you lease or finance your car, most lenders will require you to carry collision and comprehensive coverage.
The average monthly cost of full-coverage car insurance in Stamford sits at $374. Below, you’ll find the cost of full-coverage policies with different car insurance companies.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $92 |
GEICO | $113 |
USAA | $126 |
CSAA | $162 |
Progressive | $174 |
Travelers | $186 |
Nationwide | $203 |
Allstate | $215 |
Foremost | $266 |
Bristol West | $397 |
Direct Auto | $441 |
Amica | $453 |
National General | $473 |
Cheapest recent rates near Stamford, Connecticut
Recent Stamford, Connecticut car insurance prices for Hyundai, Ford, Chevrolet , and more.
*Quotes generated for Insurify users in and around Stamford, Connecticut within the last 10 days. Last updated on November 20, 2024
*Quotes generated for Insurify users in and around Stamford, Connecticut within the last 10 days. Last updated on November 20, 2024
Car insurance requirements in Connecticut
Connecticut is an at-fault state, so if you cause an accident, your insurer is responsible for paying the affected party’s medical bills and property damage.
Connecticut requires drivers to carry the following coverages:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability coverage | $25,000 per person / $50,000 per accident |
Property damage liability coverage | $25,000 per accident |
Uninsured/underinsured motorist coverage | $25,000 per person / $50,000 per accident |
Insurance professionals typically recommend you carry more than your state’s minimum amount of coverage for better financial protection. Here are some optional coverages to consider:
Collision coverage
If you collide with another car or object, like a fence or mailbox, your insurer will pay to repair or replace your vehicle, regardless of fault. Collision coverage is part of a full-coverage policy.
Comprehensive coverage
If your car sustains damages or losses due to a severe weather event, theft, vandalism, falling objects, or animal collisions, this insurance covers repairs or replacement. Comprehensive insurance is included in a full-coverage policy.
Rental reimbursement coverage
If your car is being repaired due to a covered accident, this coverage pays for a rental car so you can get around.
Roadside assistance coverage
If you’re stuck on the side of the road, roadside assistance can be your lifeline. It covers towing, battery jump-starting, fuel delivery, locksmith services, and more, so you can get back on the road.
Cheapest car insurance for drivers with an incident
Driving incidents such as speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations will increase your car insurance rates. Moving violations indicate you have a higher risk of filing a claim, and insurers adjust rates accordingly.
For example, the average monthly cost of liability-only car insurance for a Stamford driver with a clean record is $216, according to Insurify data. Speeding tickets boost that average to $303 per month. And a DUI has the biggest effect, raising the monthly average to $345.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
State Farm | $55 | $71 | $73 | $89 |
GEICO | $67 | $87 | $90 | $109 |
USAA | $75 | $97 | $100 | $122 |
Progressive | $104 | $134 | $140 | $169 |
Travelers | $110 | $144 | $148 | $178 |
CSAA | $112 | $148 | $155 | $163 |
Nationwide | $121 | $159 | $163 | $196 |
Allstate | $128 | $166 | $171 | $208 |
Bristol West | $238 | $311 | $317 | $386 |
Foremost | $243 | $340 | $346 | $394 |
Direct Auto | $248 | $322 | $338 | $402 |
National General | $266 | $347 | $354 | $431 |
Amica | $271 | $381 | $392 | $399 |
Average cost of car insurance by age
Teen drivers pay the highest insurance rates due to their lack of experience behind the wheel and higher risk of getting into an accident. As you age and gain more experience, your insurance rates will drop.
Rates tend to drop around age 25, assuming you have a clean record. Rates begin to increase again around 70, as age-related changes to vision and reflexes put senior drivers at greater risk of accidents.
The table below shows average liability-only rates for Stamford drivers based on age.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $590 |
20s | $386 |
30s | $303 |
40s | $291 |
50s | $254 |
60s | $228 |
70s | $232 |
Stamford car insurance quotes by credit tier
In Connecticut, insurance companies can consider your credit history when determining your rates. Insurance industry data shows that drivers with excellent or good credit scores file fewer claims. By contrast, drivers with poor credit scores file more.[3] Drivers with better credit scores will see better rates on their policy.
The following chart illustrates average monthly quotes for Stamford drivers based on credit tier.
Rates by Credit Tier
Stamford car insurance FAQs
Many factors, including location, affect car insurance rates. Understanding your rating factors can help ensure you find the coverage you need at the best price available to you. To help you get started, here are answers to some commonly asked questions about Stamford car insurance.
How much is car insurance in Stamford?
On average, Stamford drivers pay $374 per month for full-coverage car insurance and $216 for liability only, Insurify data shows. But your rates may be higher or lower than the city average, depending on many factors, including your age, gender, and driving history.
Which companies have the cheapest car insurance in Stamford?
State Farm offers the cheapest car insurance for Stamford drivers, with minimum-coverage rates starting at $55 per month.
Stamford drivers can also find affordable coverage through the city’s second- and third-cheapest insurers, GEICO and USAA, which offer liability coverage as low as $67 and $75 per month, respectively.
What are the best car insurance companies in Stamford?
Many good companies offer car insurance in Stamford, but State Farm, GEICO, and USAA are among the best. All three have better-than-average ratings in the 2023 J.D. Power U.S. Auto Insurance Study, meaning you’re more likely to have a good experience working with these companies.
All three offer competitive rates for Connecticut drivers, too. For example, GEICO’s average quote for liability-only coverage in Connecticut is $69 per month.
How much is car insurance in CT per month?
Car insurance in Connecticut costs $379 per month for full coverage and $226 for liability-only policies on average, Insurify data shows. By comparison, the national average cost of full coverage is $204 per month, and liability coverage is $104 monthly.
Why is car insurance so high in Connecticut?
Many factors contribute to Connecticut’s higher car insurance costs. The state’s relatively high population density means more congestion on the roads and a higher risk of accident claims. Also, Connecticut’s fatality rate (1.13 in 2023) is higher than the rates in neighboring states like New York, Pennsylvania, New Jersey, and Vermont.[4]
A high median income may also mean Connecticut residents are more likely to buy more expensive vehicles that are more costly to repair or replace.
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
- City of Stamford. "Vision Zero Crash Dashboard."
- Connecticut Insurance Department. "Auto Insurance Coverage Information."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Highway Traffic Safety Administration. "Early Estimate of Motor Vehicle Traffic Fatalities For the First Half (January–June) of 2023."
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in