Cheapest Car Insurance Quotes in Ansonia

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Ansonia Car Insurance

^$ 63

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Ansonia

The car insurance rate in Ansonia is $1689 for a six-month policy, which is $258 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $863, making it a popular choice for budget-conscious drivers. Rates in Ansonia can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Ansonia

$1689

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Ansonia

1st place: Kemper

At $863 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $890 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1044 for six months, making it the third cheapest auto insurance company in Ansonia.

Ansonia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ansonia, CT is Kemper, offering policies at just $863 for a six-month term. This is followed by Travelers, which has an average six-month premium of $890.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3960 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ansonia drivers find the best deals.

Cheap Car Insurance Companies in Ansonia, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$863	$145
Travelers	$890	$151
USAA	$1044	$176
Amica Mutual	$1163	$196
State Farm	$1395	$235
Progressive	$1549	$261
Allstate	$1676	$282
Nationwide	$1731	$291
Amica	$1843	$307
Farmers	$2467	$420
Hanover	$3960	$667

Key Takeaways

Way's key takeaways about car insurance in Ansonia

The auto insurance costs in Ansonia fall around $863 for six months.
The cheapest auto insurance company in Ansonia is USAA.
Teen drivers pay the highest rate in Ansonia at $1663 per month.

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Cheapest Minimum Liability Car Insurance in Ansonia

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Ansonia are given below.

USAA provides the cheapest minimum car insurance coverage in Ansonia. Their Average 6 Month Premium is $365. Farmers is the most expensive at $1142 for the same period.

Cheapest Liability Coverage in Ansonia, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$365	$63
Kemper	$386	$65
Amica Mutual	$519	$87
Amica	$526	$87
Progressive	$546	$92
State Farm	$575	$97
Nationwide	$644	$109
Allstate	$750	$126
Hanover	$1493	$254
Travelers	$329	$55
Farmers	$1142	$195

Cheapest Full Coverage Car Insurance in Ansonia

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Ansonia is Kemper at $145 per month and $863 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ansonia, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$863	$145
Travelers	$890	$151
USAA	$1044	$176
Amica Mutual	$1163	$196
State Farm	$1395	$235
Progressive	$1549	$261
Allstate	$1676	$282
Nationwide	$1731	$291
Amica	$1843	$307
Farmers	$2467	$420
Hanover	$3960	$667

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Average Car Insurance in Ansonia by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Ansonia, CT increasing?

Despite maintaining a clean driving record, your car insurance rates in Ansonia, Connecticut, may be increasing due to several external factors. Connecticut has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Ansonia's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ansonia

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Ansonia,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Ansonia at $73 per month. At $9777 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$434	$73
Amica Mutual	$539	$90
USAA	$1479	$249
Amica	$2615	$440
Allstate	$2895	$487
State Farm	$3098	$522
Progressive	$4381	$738
Nationwide	$6049	$1018
Hanover	$9245	$1572
Farmers	$9357	$1560
Travelers	$9777	$1663

Teen Car Insurance Rates in CT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Ansonia, Kemper is the cheapest car insurance provider. At $498 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Ansonia is Amica, offering rates of around $5796 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$498	$83
Amica Mutual	$911	$155
USAA	$1738	$290
Travelers	$1759	$300
Progressive	$2082	$350
Allstate	$2272	$382
Nationwide	$2384	$401
State Farm	$4044	$681
Farmers	$4969	$828
Amica	$5796	$985

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Car Insurance Rates with An Accident in Ansonia

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Ansonia, CT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ansonia

The cheapest car insurance companies after an at-fault accident in Ansonia include Amica Mutual and Kemper, offering $610 and $638, respectively. Hanover is an expensive provider with an average six-month premium of $7072.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$610	$101
Kemper	$638	$107
State Farm	$995	$168
Travelers	$995	$169
USAA	$1009	$170
Amica	$1788	$301
Progressive	$2124	$358
Nationwide	$2706	$455
Allstate	$5088	$848
Farmers	$5643	$959
Hanover	$7072	$1179

Ansonia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ansonia CT. For example, the car insurance in Ansonia after a DUI increases to $2236 for a six month policy. While the rate increases by $294 for a six-month policy in the case of a speeding ticket.

Ansonia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1430	$238
One Med/PIP claim	$1430	$243
Not-at-fault accident	$1479	$247
Two Med/PIP claims	$1486	$253
One comp claim	$1507	$251
Two comp claims	$1598	$271
Driving without lights	$1661	$277
Failure to wear a seat belt	$1683	$286
Child safety restraint	$1703	$284
Failure to show documents	$1710	$290
Speeding 6 - 10 MPH over limit	$1724	$288
Driving with expired registration	$1731	$294
Speeding 11 - 15 MPH over limit	$1731	$289
Speeding 16 - 20 MPH over limit	$1731	$294
Cell phone violation	$1738	$290
Texting while driving	$1738	$295
Driving too slowly	$1745	$291
Failure to stop at a red light	$1745	$296
Failure to yield	$1745	$291
Following too closely	$1745	$296
Illegal turn	$1745	$291
Improper passing	$1752	$299
Wrong way/wrong lane	$1752	$293
Speeding in school zone	$1759	$300
Speeding 21 - 25 MPH over limit	$1781	$296
At-fault accident - less than $1000	$1802	$307
In 65 MPH zone	$1871	$312
Operating a vehicle without permission	$1934	$329
Open container	$2040	$340
At-fault accident - $1000-$2000	$2236	$380
At-fault accident - greater than $2000	$2236	$373
Passing school bus	$2615	$445
Reckless driving	$3442	$573
Racing	$3547	$603
Driving with a suspended license	$3574	$596
Refusal to submit to a chemical test	$3603	$612
DUI	$3666	$611
Leaving scene of an accident/hit and run	$3729	$634

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Ansonia after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Ansonia.

The cheapest car insurance premiums in Ansonia are offered by Kemper at $778 for a six-month policy. However, it can be as expensive as $20768 with companies like Hanover.

Ansonia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$778	$131
Progressive	$1486	$250
USAA	$1493	$251
Travelers	$1535	$256
Allstate	$1907	$321
State Farm	$1941	$327
Amica Mutual	$3217	$542
Nationwide	$3581	$603
Farmers	$5908	$1004
Amica	$6470	$1079
Hanover	$20768	$3532

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Ansonia are offered by Kemper at $491. However, it can be as expensive as $5636 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Ansonia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$491	$81
Amica Mutual	$596	$101
State Farm	$1206	$203
Travelers	$1206	$205
USAA	$1206	$201
Allstate	$1366	$230
Nationwide	$1703	$287
Progressive	$1836	$309
Amica	$2138	$356
Farmers	$3154	$537
Hanover	$5636	$939

Car Insurance Price Trends in Ansonia, Connecticut

Car insurance rates in Ansonia have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Ansonia rose by $389 in January compared to $281 of December. In other words, there has been an increase by $108 when you compare January and December.

The average cost of liability insurance in the Ansonia dipped to $96 in January, compared to $101 in December. This represents an decrease of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ansonia?

The car insurance in Ansonia is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Ansonia?

The cheapest car insurance in Ansonia is $145 per month for full coverage.

How much is car insurance in Ansonia for teenagers?

Car insurance for teenagers costs $434 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Ansonia?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $284 per month to insure your car in Ansonia.

Is car insurance expensive in Ansonia?

Car insurance can be expensive in Ansonia if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ansonia can be affordable.

What is the best car insurance in Ansonia, CT?

The best car insurance company in Ansonia CT is Kemper, offering $863 for a six-month policy.