Cheapest Car Insurance Quotes in Gales Ferry

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Gales Ferry Car Insurance

^$ 44

/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 Gales Ferry

The car insurance rate in Gales Ferry is $1134 for a six-month policy, which is $85 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $547, making it a popular choice for budget-conscious drivers. Rates in Gales Ferry 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 Gales Ferry

$1134

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Gales Ferry

1st place: Travelers

At $547 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $790 for six months, making it the third cheapest auto insurance company in Gales Ferry.

Gales Ferry Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gales Ferry, CT is Travelers, offering policies at just $547 for a six-month term. This is followed by Kemper, which has an average six-month premium of $680.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2690 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gales Ferry drivers find the best deals.

Cheap Car Insurance Companies in Gales Ferry, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$547	$93
Kemper	$680	$114
USAA	$790	$133
State Farm	$889	$150
Amica Mutual	$917	$154
Progressive	$1016	$171
Nationwide	$1056	$178
Amica	$1193	$199
Allstate	$1298	$219
Farmers	$1398	$233
Hanover	$2690	$458

Key Takeaways

Way's key takeaways about car insurance in Gales Ferry

The auto insurance costs in Gales Ferry fall around $547 for six months.
The cheapest auto insurance company in Gales Ferry is Travelers.
Teen drivers pay the highest rate in Gales Ferry at $1022 per month.

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Cheapest Minimum Liability Car Insurance in Gales Ferry

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 Gales Ferry are given below.

Travelers provides the cheapest minimum car insurance coverage in Gales Ferry. Their Average 6 Month Premium is $259. Hanover is the most expensive at $1176 for the same period.

Cheapest Liability Coverage in Gales Ferry, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$259	$44
Kemper	$304	$51
USAA	$304	$51
Amica Mutual	$409	$69
State Farm	$431	$73
Amica	$470	$79
Nationwide	$508	$86
Progressive	$508	$86
Allstate	$646	$109
Farmers	$900	$153
Hanover	$1176	$196

Cheapest Full Coverage Car Insurance in Gales Ferry

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 Gales Ferry is Travelers at $93 per month and $547 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gales Ferry, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$547	$93
Kemper	$680	$114
USAA	$790	$133
State Farm	$889	$150
Amica Mutual	$917	$154
Progressive	$1016	$171
Nationwide	$1056	$178
Amica	$1193	$199
Allstate	$1298	$219
Farmers	$1398	$233
Hanover	$2690	$458

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Average Car Insurance in Gales Ferry 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 Gales Ferry, CT increasing?

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

Car Insurance Premiums by Age in Gales Ferry

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 Gales Ferry,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Gales Ferry at $58 per month. At $6131 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$342	$58
Amica Mutual	$425	$71
Nationwide	$458	$78
USAA	$1083	$182
State Farm	$1403	$236
Amica	$1718	$289
Allstate	$2204	$371
Progressive	$3072	$517
Farmers	$5387	$916
Travelers	$6131	$1022

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 Gales Ferry, Kemper is the cheapest car insurance provider. At $392 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 Gales Ferry is Amica, offering rates of around $3734 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$392	$67
Nationwide	$519	$86
Amica Mutual	$718	$122
Travelers	$1071	$179
Progressive	$1204	$203
USAA	$1254	$209
Allstate	$1712	$288
State Farm	$1862	$313
Farmers	$2801	$476
Amica	$3734	$622

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Car Insurance Rates with An Accident in Gales Ferry

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

Cheapest Car Insurance Companies after an At-Fault Accident in Gales Ferry

The cheapest car insurance companies after an at-fault accident in Gales Ferry include Amica Mutual and Kemper, offering $481 and $503, respectively. Farmers is an expensive provider with an average six-month premium of $3177.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$481	$80
Kemper	$503	$85
State Farm	$575	$97
Nationwide	$602	$102
Travelers	$613	$102
USAA	$746	$126
Progressive	$1188	$200
Amica	$1204	$203
Allstate	$2928	$488
Farmers	$3177	$540

Gales Ferry Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gales Ferry CT. For example, the car insurance in Gales Ferry after a DUI increases to $1763 for a six month policy. While the rate increases by $232 for a six-month policy in the case of a speeding ticket.

Gales Ferry auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1127	$188
One Med/PIP claim	$1127	$192
Not-at-fault accident	$1165	$194
Two Med/PIP claims	$1171	$199
One comp claim	$1188	$198
Two comp claims	$1259	$214
Driving without lights	$1309	$219
Failure to wear a seat belt	$1326	$225
Child safety restraint	$1342	$224
Failure to show documents	$1348	$229
Speeding 6 - 10 MPH over limit	$1359	$227
Driving with expired registration	$1364	$232
Speeding 11 - 15 MPH over limit	$1364	$228
Speeding 16 - 20 MPH over limit	$1364	$232
Cell phone violation	$1370	$229
Texting while driving	$1370	$233
Driving too slowly	$1375	$230
Failure to stop at a red light	$1375	$233
Failure to yield	$1375	$230
Following too closely	$1375	$233
Illegal turn	$1375	$230
Improper passing	$1381	$235
Wrong way/wrong lane	$1381	$231
Speeding in school zone	$1387	$236
Speeding 21 - 25 MPH over limit	$1403	$233
At-fault accident - less than $1000	$1420	$242
In 65 MPH zone	$1475	$246
Operating a vehicle without permission	$1524	$259
Open container	$1608	$268
At-fault accident - $1000-$2000	$1762	$299
At-fault accident - greater than $2000	$1762	$294
Passing school bus	$2061	$351
Reckless driving	$2713	$452
Racing	$2796	$475
Driving with a suspended license	$2817	$470
Refusal to submit to a chemical test	$2839	$483
DUI	$2890	$482
Leaving scene of an accident/hit and run	$2939	$499

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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 Gales Ferry 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 Gales Ferry.

The cheapest car insurance premiums in Gales Ferry are offered by Kemper at $613 for a six-month policy. However, it can be as expensive as $16368 with companies like Hanover.

Gales Ferry car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$613	$103
Travelers	$945	$161
Progressive	$994	$167
USAA	$1105	$186
State Farm	$1243	$209
Allstate	$1475	$248
Nationwide	$1729	$291
Amica Mutual	$2535	$427
Farmers	$3375	$563
Amica	$4143	$705
Hanover	$16368	$2728

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 Gales Ferry are offered by Nationwide at $381. However, it can be as expensive as $1785 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Gales Ferry after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$381	$65
Kemper	$387	$64
Amica Mutual	$470	$80
State Farm	$602	$101
Travelers	$735	$125
USAA	$873	$145
Allstate	$1039	$175
Progressive	$1066	$179
Amica	$1381	$235
Farmers	$1785	$298

Car Insurance Price Trends in Gales Ferry, Connecticut

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

The average cost of full coverage in the Gales Ferry rose by $221 in December compared to $218 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Gales Ferry rose to $80 in December, compared to $77 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 Gales Ferry?

The car insurance in Gales Ferry is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Gales Ferry?

The cheapest car insurance in Gales Ferry is $93 per month for full coverage.

How much is car insurance in Gales Ferry for teenagers?

Car insurance for teenagers costs $342 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 Gales Ferry?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $191 per month to insure your car in Gales Ferry.

Is car insurance expensive in Gales Ferry?

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

What is the best car insurance in Gales Ferry, CT?

The best car insurance company in Gales Ferry CT is Travelers, offering $547 for a six-month policy.