Cheapest Car Insurance Quotes in Canton Valley

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Canton Valley Car Insurance

^$ 49

/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 Canton Valley

The car insurance rate in Canton Valley is $1317 for a six-month policy, which is $114 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $673, making it a popular choice for budget-conscious drivers. Rates in Canton Valley 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 Canton Valley

$1317

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Canton Valley

1st place: Kemper

At $673 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $694 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $814 for six months, making it the third cheapest auto insurance company in Canton Valley.

Canton Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Canton Valley, CT is Kemper, offering policies at just $673 for a six-month term. This is followed by Travelers, which has an average six-month premium of $694.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3088 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Canton Valley drivers find the best deals.

Cheap Car Insurance Companies in Canton Valley, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$673	$113
Travelers	$694	$118
USAA	$814	$137
Amica Mutual	$907	$153
State Farm	$1087	$183
Progressive	$1208	$203
Allstate	$1306	$220
Nationwide	$1350	$227
Amica	$1437	$239
Farmers	$1924	$328
Hanover	$3088	$520

Key Takeaways

Way's key takeaways about car insurance in Canton Valley

The auto insurance costs in Canton Valley fall around $673 for six months.
The cheapest auto insurance company in Canton Valley is USAA.
Teen drivers pay the highest rate in Canton Valley at $1296 per month.

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Cheapest Minimum Liability Car Insurance in Canton Valley

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 Canton Valley are given below.

USAA provides the cheapest minimum car insurance coverage in Canton Valley. Their Average 6 Month Premium is $284. Farmers is the most expensive at $891 for the same period.

Cheapest Liability Coverage in Canton Valley, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$284	$49
Kemper	$301	$51
Amica Mutual	$405	$68
Amica	$410	$68
Progressive	$426	$72
State Farm	$448	$75
Nationwide	$502	$85
Allstate	$585	$98
Hanover	$1164	$198
Travelers	$257	$43
Farmers	$891	$152

Cheapest Full Coverage Car Insurance in Canton Valley

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 Canton Valley is Kemper at $113 per month and $673 for six months.

Cheapest Full Coverage Car Insurance Quotes in Canton Valley, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$673	$113
Travelers	$694	$118
USAA	$814	$137
Amica Mutual	$907	$153
State Farm	$1087	$183
Progressive	$1208	$203
Allstate	$1306	$220
Nationwide	$1350	$227
Amica	$1437	$239
Farmers	$1924	$328
Hanover	$3088	$520

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Average Car Insurance in Canton Valley 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 Canton Valley, CT increasing?

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

Car Insurance Premiums by Age in Canton Valley

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 Canton Valley,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Canton Valley at $57 per month. At $7623 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$339	$57
Amica Mutual	$420	$70
USAA	$1153	$194
Amica	$2039	$343
Allstate	$2257	$380
State Farm	$2415	$407
Progressive	$3416	$575
Nationwide	$4716	$794
Hanover	$7208	$1225
Farmers	$7296	$1216
Travelers	$7623	$1296

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 Canton Valley, Kemper is the cheapest car insurance provider. At $388 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 Canton Valley is Amica, offering rates of around $4519 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$388	$64
Amica Mutual	$710	$121
USAA	$1355	$226
Travelers	$1372	$234
Progressive	$1623	$273
Allstate	$1771	$298
Nationwide	$1858	$313
State Farm	$3153	$531
Farmers	$3874	$646
Amica	$4519	$768

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Car Insurance Rates with An Accident in Canton Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Canton Valley

The cheapest car insurance companies after an at-fault accident in Canton Valley include Amica Mutual and Kemper, offering $476 and $498, respectively. Hanover is an expensive provider with an average six-month premium of $5514.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$476	$79
Kemper	$498	$84
State Farm	$776	$131
Travelers	$776	$132
USAA	$787	$132
Amica	$1394	$235
Progressive	$1656	$279
Nationwide	$2110	$355
Allstate	$3967	$661
Farmers	$4399	$748
Hanover	$5514	$919

Canton Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Canton Valley CT. For example, the car insurance in Canton Valley after a DUI increases to $1743 for a six month policy. While the rate increases by $229 for a six-month policy in the case of a speeding ticket.

Canton Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1115	$186
One Med/PIP claim	$1115	$190
Not-at-fault accident	$1153	$192
Two Med/PIP claims	$1158	$197
One comp claim	$1175	$196
Two comp claims	$1246	$212
Driving without lights	$1295	$216
Failure to wear a seat belt	$1312	$223
Child safety restraint	$1328	$222
Failure to show documents	$1333	$226
Speeding 6 - 10 MPH over limit	$1344	$224
Driving with expired registration	$1350	$229
Speeding 11 - 15 MPH over limit	$1350	$225
Speeding 16 - 20 MPH over limit	$1350	$229
Cell phone violation	$1355	$226
Texting while driving	$1355	$230
Driving too slowly	$1361	$227
Failure to stop at a red light	$1361	$231
Failure to yield	$1361	$227
Following too closely	$1361	$231
Illegal turn	$1361	$227
Improper passing	$1366	$233
Wrong way/wrong lane	$1366	$228
Speeding in school zone	$1372	$234
Speeding 21 - 25 MPH over limit	$1388	$231
At-fault accident - less than $1000	$1405	$239
In 65 MPH zone	$1459	$243
Operating a vehicle without permission	$1508	$257
Open container	$1591	$265
At-fault accident - $1000-$2000	$1743	$296
At-fault accident - greater than $2000	$1743	$291
Passing school bus	$2039	$347
Reckless driving	$2684	$447
Racing	$2766	$470
Driving with a suspended license	$2787	$465
Refusal to submit to a chemical test	$2809	$477
DUI	$2858	$477
Leaving scene of an accident/hit and run	$2907	$494

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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 Canton Valley 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 Canton Valley.

The cheapest car insurance premiums in Canton Valley are offered by Kemper at $606 for a six-month policy. However, it can be as expensive as $16192 with companies like Hanover.

Canton Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$606	$102
Progressive	$1158	$195
USAA	$1164	$196
Travelers	$1197	$200
Allstate	$1487	$250
State Farm	$1513	$255
Amica Mutual	$2508	$422
Nationwide	$2792	$470
Farmers	$4606	$783
Amica	$5044	$841
Hanover	$16192	$2754

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 Canton Valley are offered by Kemper at $383. However, it can be as expensive as $4394 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Canton Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$383	$63
Amica Mutual	$465	$79
State Farm	$940	$158
Travelers	$940	$160
USAA	$940	$156
Allstate	$1065	$179
Nationwide	$1328	$224
Progressive	$1432	$241
Amica	$1667	$278
Farmers	$2459	$419
Hanover	$4394	$732

Car Insurance Price Trends in Canton Valley, Connecticut

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

The average cost of full coverage in the Canton Valley rose by $304 in January compared to $219 of December. In other words, there has been an increase by $85 when you compare January and December.

The average cost of liability insurance in the Canton Valley dipped to $75 in January, compared to $79 in December. This represents an decrease of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Canton Valley?

The car insurance in Canton Valley is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Canton Valley?

The cheapest car insurance in Canton Valley is $113 per month for full coverage.

How much is car insurance in Canton Valley for teenagers?

Car insurance for teenagers costs $339 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 Canton Valley?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $222 per month to insure your car in Canton Valley.

Is car insurance expensive in Canton Valley?

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

What is the best car insurance in Canton Valley, CT?

The best car insurance company in Canton Valley CT is Kemper, offering $673 for a six-month policy.