Cheapest Car Insurance Quotes in Coventry Lake

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Coventry Lake Car Insurance

^$ 43

/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 Coventry Lake

The car insurance rate in Coventry Lake is $1121 for a six-month policy, which is $98 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $541, making it a popular choice for budget-conscious drivers. Rates in Coventry Lake 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 Coventry Lake

$1121

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Coventry Lake

1st place: Travelers

At $541 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $673 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $781 for six months, making it the third cheapest auto insurance company in Coventry Lake.

Coventry Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Coventry Lake, CT is Travelers, offering policies at just $541 for a six-month term. This is followed by Kemper, which has an average six-month premium of $673.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2662 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Coventry Lake drivers find the best deals.

Cheap Car Insurance Companies in Coventry Lake, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$541	$92
Kemper	$673	$113
USAA	$781	$132
State Farm	$880	$148
Amica Mutual	$907	$153
Progressive	$1006	$169
Nationwide	$1044	$176
Amica	$1180	$197
Allstate	$1284	$216
Farmers	$1383	$230
Hanover	$2662	$453

Key Takeaways

Way's key takeaways about car insurance in Coventry Lake

The auto insurance costs in Coventry Lake fall around $541 for six months.
The cheapest auto insurance company in Coventry Lake is Travelers.
Teen drivers pay the highest rate in Coventry Lake at $1011 per month.

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Cheapest Minimum Liability Car Insurance in Coventry Lake

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 Coventry Lake are given below.

Travelers provides the cheapest minimum car insurance coverage in Coventry Lake. Their Average 6 Month Premium is $257. Hanover is the most expensive at $1164 for the same period.

Cheapest Liability Coverage in Coventry Lake, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$257	$43
Kemper	$301	$51
USAA	$301	$51
Amica Mutual	$405	$68
State Farm	$426	$72
Amica	$465	$78
Nationwide	$502	$85
Progressive	$502	$85
Allstate	$639	$108
Farmers	$891	$152
Hanover	$1164	$194

Cheapest Full Coverage Car Insurance in Coventry Lake

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 Coventry Lake is Travelers at $92 per month and $541 for six months.

Cheapest Full Coverage Car Insurance Quotes in Coventry Lake, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$541	$92
Kemper	$673	$113
USAA	$781	$132
State Farm	$880	$148
Amica Mutual	$907	$153
Progressive	$1006	$169
Nationwide	$1044	$176
Amica	$1180	$197
Allstate	$1284	$216
Farmers	$1383	$230
Hanover	$2662	$453

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Average Car Insurance in Coventry Lake 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 Coventry Lake, CT increasing?

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

Car Insurance Premiums by Age in Coventry Lake

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 Coventry Lake,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Coventry Lake at $57 per month. At $6066 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
Nationwide	$454	$77
USAA	$1071	$180
State Farm	$1388	$234
Amica	$1699	$286
Allstate	$2180	$367
Progressive	$3039	$512
Farmers	$5329	$906
Travelers	$6066	$1011

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 Coventry Lake, 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 Coventry Lake is Amica, offering rates of around $3694 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$388	$66
Nationwide	$513	$86
Amica Mutual	$710	$121
Travelers	$1060	$177
Progressive	$1191	$201
USAA	$1240	$207
Allstate	$1694	$285
State Farm	$1842	$310
Farmers	$2771	$471
Amica	$3694	$615

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Car Insurance Rates with An Accident in Coventry Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Coventry Lake

The cheapest car insurance companies after an at-fault accident in Coventry Lake include Amica Mutual and Kemper, offering $476 and $498, respectively. Farmers is an expensive provider with an average six-month premium of $3143.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$476	$79
Kemper	$498	$84
State Farm	$569	$96
Nationwide	$595	$101
Travelers	$606	$101
USAA	$738	$124
Progressive	$1175	$198
Amica	$1191	$201
Allstate	$2896	$483
Farmers	$3143	$535

Coventry Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Coventry Lake CT. For example, the car insurance in Coventry Lake 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.

Coventry Lake 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 Coventry Lake 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 Coventry Lake.

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

Coventry Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$606	$102
Travelers	$935	$159
Progressive	$983	$166
USAA	$1093	$184
State Farm	$1230	$207
Allstate	$1459	$246
Nationwide	$1710	$288
Amica Mutual	$2508	$422
Farmers	$3339	$557
Amica	$4099	$697
Hanover	$16192	$2698

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 Coventry Lake are offered by Nationwide at $377. However, it can be as expensive as $1765 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Coventry Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$377	$64
Kemper	$383	$63
Amica Mutual	$465	$79
State Farm	$595	$100
Travelers	$727	$123
USAA	$864	$144
Allstate	$1028	$173
Progressive	$1054	$178
Amica	$1366	$233
Farmers	$1765	$294

Car Insurance Price Trends in Coventry Lake, Connecticut

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

The average cost of full coverage in the Coventry Lake rose by $219 in December compared to $215 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 Coventry Lake rose to $79 in December, compared to $76 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 Coventry Lake?

The car insurance in Coventry Lake is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Coventry Lake?

The cheapest car insurance in Coventry Lake is $92 per month for full coverage.

How much is car insurance in Coventry Lake 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 Coventry Lake?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $189 per month to insure your car in Coventry Lake.

Is car insurance expensive in Coventry Lake?

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

What is the best car insurance in Coventry Lake, CT?

The best car insurance company in Coventry Lake CT is Travelers, offering $541 for a six-month policy.