Cheapest Car Insurance Quotes in Blue Hills

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Blue Hills Car Insurance

^$ 54

/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 Blue Hills

The car insurance rate in Blue Hills is $1390 for a six-month policy, which is $171 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $670, making it a popular choice for budget-conscious drivers. Rates in Blue Hills 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 Blue Hills

$1390

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Blue Hills

1st place: Travelers

At $670 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $833 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $968 for six months, making it the third cheapest auto insurance company in Blue Hills.

Blue Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blue Hills, CT is Travelers, offering policies at just $670 for a six-month term. This is followed by Kemper, which has an average six-month premium of $833.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3298 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blue Hills drivers find the best deals.

Cheap Car Insurance Companies in Blue Hills, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$670	$114
Kemper	$833	$140
USAA	$968	$163
State Farm	$1090	$184
Amica Mutual	$1124	$189
Progressive	$1246	$210
Nationwide	$1294	$218
Amica	$1463	$244
Allstate	$1591	$268
Farmers	$1713	$285
Hanover	$3298	$561

Key Takeaways

Way's key takeaways about car insurance in Blue Hills

The auto insurance costs in Blue Hills fall around $670 for six months.
The cheapest auto insurance company in Blue Hills is Travelers.
Teen drivers pay the highest rate in Blue Hills at $1253 per month.

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Cheapest Minimum Liability Car Insurance in Blue Hills

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 Blue Hills are given below.

Travelers provides the cheapest minimum car insurance coverage in Blue Hills. Their Average 6 Month Premium is $318. Hanover is the most expensive at $1442 for the same period.

Cheapest Liability Coverage in Blue Hills, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$318	$54
Kemper	$373	$63
USAA	$373	$63
Amica Mutual	$502	$84
State Farm	$528	$89
Amica	$576	$97
Nationwide	$622	$105
Progressive	$622	$105
Allstate	$792	$133
Farmers	$1104	$188
Hanover	$1442	$241

Cheapest Full Coverage Car Insurance in Blue Hills

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 Blue Hills is Travelers at $114 per month and $670 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blue Hills, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$670	$114
Kemper	$833	$140
USAA	$968	$163
State Farm	$1090	$184
Amica Mutual	$1124	$189
Progressive	$1246	$210
Nationwide	$1294	$218
Amica	$1463	$244
Allstate	$1591	$268
Farmers	$1713	$285
Hanover	$3298	$561

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Average Car Insurance in Blue Hills 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 Blue Hills, CT increasing?

Despite maintaining a clean driving record, your car insurance rates in Blue Hills, 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, Blue Hills's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Blue Hills

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 Blue Hills,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Blue Hills at $71 per month. At $7516 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$420	$71
Amica Mutual	$521	$87
Nationwide	$562	$96
USAA	$1327	$223
State Farm	$1720	$290
Amica	$2106	$355
Allstate	$2702	$455
Progressive	$3765	$634
Farmers	$6603	$1123
Travelers	$7516	$1253

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 Blue Hills, Kemper is the cheapest car insurance provider. At $481 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 Blue Hills is Amica, offering rates of around $4577 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$481	$82
Nationwide	$636	$106
Amica Mutual	$880	$149
Travelers	$1313	$219
Progressive	$1476	$249
USAA	$1537	$257
Allstate	$2099	$353
State Farm	$2282	$384
Farmers	$3434	$584
Amica	$4577	$763

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Car Insurance Rates with An Accident in Blue Hills

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 Blue Hills, CT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Blue Hills

The cheapest car insurance companies after an at-fault accident in Blue Hills include Amica Mutual and Kemper, offering $589 and $617, respectively. Farmers is an expensive provider with an average six-month premium of $3894.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$589	$98
Kemper	$617	$104
State Farm	$705	$119
Nationwide	$738	$125
Travelers	$751	$125
USAA	$914	$154
Progressive	$1456	$245
Amica	$1476	$249
Allstate	$3589	$599
Farmers	$3894	$662

Blue Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blue Hills CT. For example, the car insurance in Blue Hills after a DUI increases to $2160 for a six month policy. While the rate increases by $284 for a six-month policy in the case of a speeding ticket.

Blue Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1382	$230
One Med/PIP claim	$1382	$235
Not-at-fault accident	$1428	$238
Two Med/PIP claims	$1435	$244
One comp claim	$1456	$243
Two comp claims	$1544	$262
Driving without lights	$1605	$268
Failure to wear a seat belt	$1626	$276
Child safety restraint	$1645	$275
Failure to show documents	$1652	$280
Speeding 6 - 10 MPH over limit	$1666	$278
Driving with expired registration	$1672	$284
Speeding 11 - 15 MPH over limit	$1672	$279
Speeding 16 - 20 MPH over limit	$1672	$284
Cell phone violation	$1679	$280
Texting while driving	$1679	$285
Driving too slowly	$1686	$282
Failure to stop at a red light	$1686	$286
Failure to yield	$1686	$282
Following too closely	$1686	$286
Illegal turn	$1686	$282
Improper passing	$1693	$288
Wrong way/wrong lane	$1693	$283
Speeding in school zone	$1700	$290
Speeding 21 - 25 MPH over limit	$1720	$286
At-fault accident - less than $1000	$1741	$296
In 65 MPH zone	$1808	$301
Operating a vehicle without permission	$1868	$318
Open container	$1971	$328
At-fault accident - $1000-$2000	$2160	$367
At-fault accident - greater than $2000	$2160	$360
Passing school bus	$2526	$430
Reckless driving	$3325	$554
Racing	$3427	$583
Driving with a suspended license	$3453	$576
Refusal to submit to a chemical test	$3480	$592
DUI	$3542	$591
Leaving scene of an accident/hit and run	$3602	$612

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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 Blue Hills 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 Blue Hills.

The cheapest car insurance premiums in Blue Hills are offered by Kemper at $751 for a six-month policy. However, it can be as expensive as $20064 with companies like Hanover.

Blue Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$751	$127
Travelers	$1158	$197
Progressive	$1219	$205
USAA	$1354	$228
State Farm	$1524	$257
Allstate	$1808	$304
Nationwide	$2119	$357
Amica Mutual	$3108	$523
Farmers	$4137	$690
Amica	$5079	$864
Hanover	$20064	$3344

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 Blue Hills are offered by Nationwide at $467. However, it can be as expensive as $2188 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Blue Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$467	$80
Kemper	$474	$79
Amica Mutual	$576	$98
State Farm	$738	$124
Travelers	$901	$153
USAA	$1070	$178
Allstate	$1273	$214
Progressive	$1306	$220
Amica	$1693	$288
Farmers	$2188	$365

Car Insurance Price Trends in Blue Hills, Connecticut

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

The average cost of full coverage in the Blue Hills rose by $271 in December compared to $267 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Blue Hills rose to $98 in December, compared to $95 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Blue Hills?

The car insurance in Blue Hills is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Blue Hills?

The cheapest car insurance in Blue Hills is $114 per month for full coverage.

How much is car insurance in Blue Hills for teenagers?

Car insurance for teenagers costs $420 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 Blue Hills?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $234 per month to insure your car in Blue Hills.

Is car insurance expensive in Blue Hills?

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

What is the best car insurance in Blue Hills, CT?

The best car insurance company in Blue Hills CT is Travelers, offering $670 for a six-month policy.