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Cheap Auto Insurance Quotes in Stamford, CT, for July 2022

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Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen

Last Updated June 29, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Stamford, CT

Insurance coverage in Connecticut is fairly expensive, but in beautiful Stamford, your premiums are more likely to be cheaper than the state average—and much more affordable than Bridgeport or Hartford. But which insurance companies have the best rates for Stamford drivers? Use Insurify to find the cheapest car insurance quote.

Quick Facts

  • The average cost of car insurance in Stamford is $226 per month or $2,712 annually.
  • Car insurance in Stamford is $71 less per month than the average cost of insurance in Connecticut.
  • The cheapest car insurance provider in Stamford on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Travelers
$146
Kemper Preferred
$147
State Auto
$156
Progressive
$159
Safeco
$181

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Cheapest Car Insurance in Stamford, CT

What is the cheapest car insurance cost in Stamford?

Travelers is the cheapest car insurance option on average in Stamford, with rates starting at $146 per month. It still makes sense to compare car insurance rates, as everyone’s situation is different.

These average car insurance quotes show you which insurance companies are offering Insurify customers the lowest premiums in Stamford. Travelers is the cheapest, while the average cost sits at $226. This means affordable auto insurance rates are in the cards for any Stamford driver. And if you think your premiums are high—just compare them to New York!

Insurance CompanyAverage Monthly Quote
Travelers$146
Kemper Preferred$147
State Auto$156
Progressive$159
Safeco$181
Plymouth Rock$196
Nationwide$236
Liberty Mutual$255
Stillwater$267
Midvale Home & Auto$268
Direct Auto$271
National General$294
Bristol West$362
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Stamford, CT

Cheap auto insurance is vital—there’s no doubt about it. But low rates can’t be all your insurance company offers. In this table, we compare average rates against an insurance company’s Insurify Composite Score (ICS), which takes into account financial stability, customer satisfaction, and other factors alongside low rates.

Best CompaniesICSAverage Monthly Quote
Nationwide89$236
Safeco86$181
Liberty Mutual82$255
Travelers80$146
State Auto76$156
National General58$294
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
  • The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

    Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

See More: Best Car Insurance Companies

Minimum Car Insurance Requirements in Connecticut

All motor vehicles operated or parked on Connecticut[1] roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Connecticut are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Connecticut is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured/underinsured motorist bodily injury
  • $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Connecticut, you’re required to purchase insurance that covers bodily injuries under these circumstances.

Stamford Car Insurance Rates by Driver Age

Connecticut car insurance, like all auto insurance, is priced by your estimated likelihood of getting in an accident, and your age group matters. So if you’re an 18-year-old driver with limited experience, you’ll be considered high-risk and pay higher insurance rates. Things get better as you get older, and if your marital status changes from single, that will help, too.

Driver’s AgeAverage Monthly Cost
Teens$563
20s$332
30s$227
40s$235
50s$225
60s$186
70s$194
80+$211
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Stamford Car Insurance Rates by Driving and Accident History

Insurance agencies will charge you more for liability insurance if your driving record shows you’ve gotten in trouble on the road before, whether it’s car accidents, DUIs, or more minor infractions like speeding tickets. Keeping a clean driving record will help keep your car insurance coverage as cheap as possible, as you can see from average rates in Stamford.

Driver HistoryAverage Monthly Cost
Clean Record$239
Speeding Ticket$320
At-Fault Accident$349
DUI$476
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Stamford Car Insurance Rates by Credit Tier

Insurance companies also set the premiums on your car insurance policy based on an estimate of your financial situation. They check your credit score to suss this out. This practice is banned in some states, but it’s a factor in Connecticut car insurance. Stamford drivers with excellent credit scores usually have cheaper insurance than those with poor credit.

Credit TierAverage Monthly Cost
Excellent$216
Good$259
Average$281
Poor$436
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Stamford DMV Information

On Henry Street, just a block from the Metro-North stop, the Stamford Connecticut DMV office is a limited-service location. If you lose your license and need a duplicate or want to change your name or address, you can do it at the Stamford office, but for road tests, title and registration, and other DMV services, you’ll have to go elsewhere. The office is by appointment only.

Public Transportation in Stamford

Lock City has a trolley that makes 14 stops at notable places in the downtown area and serves commuters and tourists alike. Greyhound and Peter Pan buses can take you all over the tri-state area, along with Amtrak and Metro-North stops to get to New York. A strong bus network serves the city’s state roads on a relentless schedule.

How to Get the Cheapest Car Insurance in Stamford

Connecticut car insurance is a vital part of your day-to-day life, especially if you commute to work. I-95 is a dangerous corridor, and you’ll want full coverage to protect you in an accident, along with an insurance agent you can trust. So, to find great cheap car insurance, you’ll have to look carefully—beyond the big national brands like State Farm, Allstate, and GEICO.

Insurify is built to find you cheap car insurance and saves you the time of getting insurance quotes from every individual company in the Stamford area. Spend just a few minutes, and you’ll have auto insurance quotes ready to click and buy. You can even toggle your deductibles and coverage options in real-time. Try it out!

For more detailed Connecticut city guides, check out these below

Frequently Asked Questions

  • Stamford has cheaper car insurance than most big cities in Connecticut, so those moving from Bridgeport or Hartford will be excited to save money. The best way to find the cheapest insurance policy available to you is to compare car insurance quotes with Insurify.

  • Auto insurance premiums in Stamford cost an average of $226 per month. If you’re young—especially a 19-year-old or younger—and/or have a poor credit score or some infractions on your record, you’re likely to pay more than the average cost. Choosing your insurance coverage carefully, including your deductibles, can help manage your insurance rates.

  • Stamford drivers are viewed as more likely to get into an accident than drivers in other states and cities because of its proximity to one of the busiest cities in the world—New York. But Hartford and Bridgeport are more expensive than Stamford. If you bundle with renters or homeowners insurance, you’ll start saving money on insurance right off the bat.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell
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Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

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Sources

  1. Connecticut Department of Insurance. "State Minimum Car Insurance." Accessed May 28, 2022