Cheapest Car Insurance Quotes in Bridgewater

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Bridgewater Car Insurance

^$ 52

/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 Bridgewater

The car insurance rate in Bridgewater is $1417 for a six-month policy, which is $14 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $724, making it a popular choice for budget-conscious drivers. Rates in Bridgewater 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 Bridgewater

$1417

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Bridgewater

1st place: Kemper

At $724 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $746 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $876 for six months, making it the third cheapest auto insurance company in Bridgewater.

Bridgewater Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bridgewater, CT is Kemper, offering policies at just $724 for a six-month term. This is followed by Travelers, which has an average six-month premium of $746.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3322 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bridgewater drivers find the best deals.

Cheap Car Insurance Companies in Bridgewater, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$724	$122
Travelers	$746	$127
USAA	$876	$148
Amica Mutual	$976	$164
State Farm	$1170	$197
Progressive	$1300	$219
Allstate	$1406	$237
Nationwide	$1452	$245
Amica	$1546	$257
Farmers	$2070	$352
Hanover	$3322	$559

Key Takeaways

Way's key takeaways about car insurance in Bridgewater

The auto insurance costs in Bridgewater fall around $724 for six months.
The cheapest auto insurance company in Bridgewater is USAA.
Teen drivers pay the highest rate in Bridgewater at $1395 per month.

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Cheapest Minimum Liability Car Insurance in Bridgewater

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 Bridgewater are given below.

USAA provides the cheapest minimum car insurance coverage in Bridgewater. Their Average 6 Month Premium is $306. Farmers is the most expensive at $958 for the same period.

Cheapest Liability Coverage in Bridgewater, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$306	$52
Kemper	$324	$54
Amica Mutual	$436	$73
Amica	$442	$73
Progressive	$458	$77
State Farm	$482	$81
Nationwide	$541	$91
Allstate	$630	$106
Hanover	$1252	$213
Travelers	$276	$47
Farmers	$958	$163

Cheapest Full Coverage Car Insurance in Bridgewater

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 Bridgewater is Kemper at $122 per month and $724 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bridgewater, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$724	$122
Travelers	$746	$127
USAA	$876	$148
Amica Mutual	$976	$164
State Farm	$1170	$197
Progressive	$1300	$219
Allstate	$1406	$237
Nationwide	$1452	$245
Amica	$1546	$257
Farmers	$2070	$352
Hanover	$3322	$559

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Average Car Insurance in Bridgewater 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 Bridgewater, CT increasing?

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

Car Insurance Premiums by Age in Bridgewater

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 Bridgewater,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Bridgewater at $61 per month. At $8203 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$364	$61
Amica Mutual	$452	$75
USAA	$1240	$209
Amica	$2194	$369
Allstate	$2428	$409
State Farm	$2599	$438
Progressive	$3676	$619
Nationwide	$5075	$854
Hanover	$7757	$1319
Farmers	$7851	$1309
Travelers	$8203	$1395

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 Bridgewater, Kemper is the cheapest car insurance provider. At $418 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 Bridgewater is Amica, offering rates of around $4863 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$418	$69
Amica Mutual	$764	$130
USAA	$1458	$244
Travelers	$1476	$251
Progressive	$1746	$294
Allstate	$1906	$321
Nationwide	$2000	$337
State Farm	$3393	$571
Farmers	$4169	$695
Amica	$4863	$827

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Car Insurance Rates with An Accident in Bridgewater

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

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

The cheapest car insurance companies after an at-fault accident in Bridgewater include Amica Mutual and Kemper, offering $512 and $536, respectively. Hanover is an expensive provider with an average six-month premium of $5933.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$512	$85
Kemper	$536	$90
State Farm	$835	$141
Travelers	$835	$142
USAA	$846	$143
Amica	$1500	$252
Progressive	$1782	$300
Nationwide	$2270	$382
Allstate	$4269	$712
Farmers	$4734	$805
Hanover	$5933	$989

Bridgewater Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bridgewater CT. For example, the car insurance in Bridgewater after a DUI increases to $1876 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Bridgewater auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
One Med/PIP claim	$1200	$204
Not-at-fault accident	$1240	$207
Two Med/PIP claims	$1246	$212
One comp claim	$1264	$211
Two comp claims	$1340	$228
Driving without lights	$1394	$233
Failure to wear a seat belt	$1412	$240
Child safety restraint	$1429	$239
Failure to show documents	$1435	$244
Speeding 6 - 10 MPH over limit	$1446	$242
Driving with expired registration	$1452	$247
Speeding 11 - 15 MPH over limit	$1452	$243
Speeding 16 - 20 MPH over limit	$1452	$247
Cell phone violation	$1458	$244
Texting while driving	$1458	$248
Driving too slowly	$1464	$245
Failure to stop at a red light	$1464	$248
Failure to yield	$1464	$245
Following too closely	$1464	$248
Illegal turn	$1464	$245
Improper passing	$1470	$250
Wrong way/wrong lane	$1470	$246
Speeding in school zone	$1476	$251
Speeding 21 - 25 MPH over limit	$1494	$248
At-fault accident - less than $1000	$1512	$257
In 65 MPH zone	$1570	$261
Operating a vehicle without permission	$1623	$276
Open container	$1712	$285
At-fault accident - $1000-$2000	$1876	$319
At-fault accident - greater than $2000	$1876	$313
Passing school bus	$2194	$373
Reckless driving	$2888	$481
Racing	$2976	$506
Driving with a suspended license	$2999	$500
Refusal to submit to a chemical test	$3022	$514
DUI	$3076	$513
Leaving scene of an accident/hit and run	$3128	$532

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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 Bridgewater 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 Bridgewater.

The cheapest car insurance premiums in Bridgewater are offered by Kemper at $652 for a six-month policy. However, it can be as expensive as $17424 with companies like Hanover.

Bridgewater car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$652	$110
Progressive	$1246	$210
USAA	$1252	$211
Travelers	$1288	$215
Allstate	$1600	$269
State Farm	$1629	$274
Amica Mutual	$2699	$454
Nationwide	$3005	$506
Farmers	$4957	$842
Amica	$5428	$905
Hanover	$17424	$2963

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 Bridgewater are offered by Kemper at $412. However, it can be as expensive as $4728 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Bridgewater after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$412	$68
Amica Mutual	$500	$85
State Farm	$1012	$170
Travelers	$1012	$172
USAA	$1012	$168
Allstate	$1146	$193
Nationwide	$1429	$241
Progressive	$1540	$259
Amica	$1794	$299
Farmers	$2646	$450
Hanover	$4728	$788

Car Insurance Price Trends in Bridgewater, Connecticut

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

The average cost of full coverage in the Bridgewater rose by $327 in January compared to $236 of December. In other words, there has been an increase by $91 when you compare January and December.

The average cost of liability insurance in the Bridgewater dipped to $80 in January, compared to $85 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 Bridgewater?

The car insurance in Bridgewater is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Bridgewater?

The cheapest car insurance in Bridgewater is $122 per month for full coverage.

How much is car insurance in Bridgewater for teenagers?

Car insurance for teenagers costs $364 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 Bridgewater?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $239 per month to insure your car in Bridgewater.

Is car insurance expensive in Bridgewater?

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

What is the best car insurance in Bridgewater, CT?

The best car insurance company in Bridgewater CT is Kemper, offering $724 for a six-month policy.