Cheapest Car Insurance Quotes in Cheshire Village

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Cheshire Village Car Insurance

^$ 56

/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 Cheshire Village

The car insurance rate in Cheshire Village is $1503 for a six-month policy, which is $72 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $768, making it a popular choice for budget-conscious drivers. Rates in Cheshire Village 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 Cheshire Village

$1503

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Cheshire Village

1st place: Kemper

At $768 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $792 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $929 for six months, making it the third cheapest auto insurance company in Cheshire Village.

Cheshire Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cheshire Village, CT is Kemper, offering policies at just $768 for a six-month term. This is followed by Travelers, which has an average six-month premium of $792.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3524 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cheshire Village drivers find the best deals.

Cheap Car Insurance Companies in Cheshire Village, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$768	$129
Travelers	$792	$134
USAA	$929	$156
Amica Mutual	$1035	$174
State Farm	$1241	$209
Progressive	$1379	$232
Allstate	$1491	$251
Nationwide	$1540	$259
Amica	$1640	$273
Farmers	$2196	$374
Hanover	$3524	$593

Key Takeaways

Way's key takeaways about car insurance in Cheshire Village

The auto insurance costs in Cheshire Village fall around $768 for six months.
The cheapest auto insurance company in Cheshire Village is USAA.
Teen drivers pay the highest rate in Cheshire Village at $1479 per month.

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Cheapest Minimum Liability Car Insurance in Cheshire Village

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 Cheshire Village are given below.

USAA provides the cheapest minimum car insurance coverage in Cheshire Village. Their Average 6 Month Premium is $324. Farmers is the most expensive at $1016 for the same period.

Cheapest Liability Coverage in Cheshire Village, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$324	$56
Kemper	$343	$58
Amica Mutual	$462	$78
Amica	$468	$78
Progressive	$486	$82
State Farm	$511	$86
Nationwide	$573	$97
Allstate	$668	$112
Hanover	$1328	$226
Travelers	$293	$49
Farmers	$1016	$173

Cheapest Full Coverage Car Insurance in Cheshire Village

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 Cheshire Village is Kemper at $129 per month and $768 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cheshire Village, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$768	$129
Travelers	$792	$134
USAA	$929	$156
Amica Mutual	$1035	$174
State Farm	$1241	$209
Progressive	$1379	$232
Allstate	$1491	$251
Nationwide	$1540	$259
Amica	$1640	$273
Farmers	$2196	$374
Hanover	$3524	$593

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Average Car Insurance in Cheshire Village 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 Cheshire Village, CT increasing?

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

Car Insurance Premiums by Age in Cheshire Village

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 Cheshire Village,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cheshire Village at $65 per month. At $8700 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$386	$65
Amica Mutual	$480	$80
USAA	$1316	$222
Amica	$2327	$392
Allstate	$2576	$434
State Farm	$2756	$464
Progressive	$3899	$656
Nationwide	$5382	$906
Hanover	$8227	$1399
Farmers	$8327	$1388
Travelers	$8700	$1479

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 Cheshire Village, Kemper is the cheapest car insurance provider. At $443 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 Cheshire Village is Amica, offering rates of around $5158 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$443	$74
Amica Mutual	$811	$138
USAA	$1547	$258
Travelers	$1566	$267
Progressive	$1852	$312
Allstate	$2021	$340
Nationwide	$2121	$357
State Farm	$3598	$606
Farmers	$4422	$737
Amica	$5158	$877

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Car Insurance Rates with An Accident in Cheshire Village

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cheshire Village

The cheapest car insurance companies after an at-fault accident in Cheshire Village include Amica Mutual and Kemper, offering $543 and $568, respectively. Hanover is an expensive provider with an average six-month premium of $6293.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$543	$90
Kemper	$568	$96
State Farm	$885	$149
Travelers	$885	$150
USAA	$898	$151
Amica	$1591	$268
Progressive	$1890	$318
Nationwide	$2408	$405
Allstate	$4528	$755
Farmers	$5021	$854
Hanover	$6293	$1049

Cheshire Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cheshire Village CT. For example, the car insurance in Cheshire Village after a DUI increases to $1989 for a six month policy. While the rate increases by $261 for a six-month policy in the case of a speeding ticket.

Cheshire Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1273	$212
One Med/PIP claim	$1273	$216
Not-at-fault accident	$1316	$219
Two Med/PIP claims	$1322	$225
One comp claim	$1341	$224
Two comp claims	$1422	$242
Driving without lights	$1478	$247
Failure to wear a seat belt	$1497	$254
Child safety restraint	$1515	$253
Failure to show documents	$1521	$258
Speeding 6 - 10 MPH over limit	$1534	$256
Driving with expired registration	$1540	$261
Speeding 11 - 15 MPH over limit	$1540	$257
Speeding 16 - 20 MPH over limit	$1540	$261
Cell phone violation	$1547	$258
Texting while driving	$1547	$263
Driving too slowly	$1553	$259
Failure to stop at a red light	$1553	$264
Failure to yield	$1553	$259
Following too closely	$1553	$264
Illegal turn	$1553	$259
Improper passing	$1559	$266
Wrong way/wrong lane	$1559	$260
Speeding in school zone	$1566	$267
Speeding 21 - 25 MPH over limit	$1584	$264
At-fault accident - less than $1000	$1603	$273
In 65 MPH zone	$1665	$277
Operating a vehicle without permission	$1721	$293
Open container	$1815	$302
At-fault accident - $1000-$2000	$1990	$338
At-fault accident - greater than $2000	$1990	$332
Passing school bus	$2327	$396
Reckless driving	$3063	$510
Racing	$3156	$537
Driving with a suspended license	$3180	$530
Refusal to submit to a chemical test	$3206	$545
DUI	$3262	$544
Leaving scene of an accident/hit and run	$3318	$564

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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 Cheshire Village 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 Cheshire Village.

The cheapest car insurance premiums in Cheshire Village are offered by Kemper at $692 for a six-month policy. However, it can be as expensive as $18480 with companies like Hanover.

Cheshire Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$692	$117
Progressive	$1322	$223
USAA	$1328	$224
Travelers	$1366	$228
Allstate	$1697	$286
State Farm	$1727	$291
Amica Mutual	$2862	$482
Nationwide	$3187	$537
Farmers	$5257	$894
Amica	$5757	$960
Hanover	$18480	$3143

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 Cheshire Village are offered by Kemper at $437. However, it can be as expensive as $5015 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Cheshire Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$437	$72
Amica Mutual	$530	$90
State Farm	$1073	$181
Travelers	$1073	$183
USAA	$1073	$179
Allstate	$1216	$205
Nationwide	$1515	$255
Progressive	$1634	$275
Amica	$1903	$317
Farmers	$2807	$478
Hanover	$5015	$836

Car Insurance Price Trends in Cheshire Village, Connecticut

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

The average cost of full coverage in the Cheshire Village rose by $347 in January compared to $250 of December. In other words, there has been an increase by $97 when you compare January and December.

The average cost of liability insurance in the Cheshire Village dipped to $85 in January, compared to $90 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 Cheshire Village?

The car insurance in Cheshire Village is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Cheshire Village?

The cheapest car insurance in Cheshire Village is $129 per month for full coverage.

How much is car insurance in Cheshire Village for teenagers?

Car insurance for teenagers costs $386 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 Cheshire Village?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $253 per month to insure your car in Cheshire Village.

Is car insurance expensive in Cheshire Village?

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

What is the best car insurance in Cheshire Village, CT?

The best car insurance company in Cheshire Village CT is Kemper, offering $768 for a six-month policy.