Cheapest Car Insurance Quotes in Gaylordsville

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Gaylordsville Car Insurance

^$ 55

/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 Gaylordsville

The car insurance rate in Gaylordsville is $1488 for a six-month policy, which is $57 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $760, making it a popular choice for budget-conscious drivers. Rates in Gaylordsville 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 Gaylordsville

$1488

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Gaylordsville

1st place: Kemper

At $760 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $784 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $920 for six months, making it the third cheapest auto insurance company in Gaylordsville.

Gaylordsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gaylordsville, CT is Kemper, offering policies at just $760 for a six-month term. This is followed by Travelers, which has an average six-month premium of $784.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3490 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gaylordsville drivers find the best deals.

Cheap Car Insurance Companies in Gaylordsville, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$760	$128
Travelers	$784	$133
USAA	$920	$155
Amica Mutual	$1025	$173
State Farm	$1229	$207
Progressive	$1366	$230
Allstate	$1477	$249
Nationwide	$1526	$257
Amica	$1624	$270
Farmers	$2175	$370
Hanover	$3490	$588

Key Takeaways

Way's key takeaways about car insurance in Gaylordsville

The auto insurance costs in Gaylordsville fall around $760 for six months.
The cheapest auto insurance company in Gaylordsville is USAA.
Teen drivers pay the highest rate in Gaylordsville at $1465 per month.

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Cheapest Minimum Liability Car Insurance in Gaylordsville

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 Gaylordsville are given below.

USAA provides the cheapest minimum car insurance coverage in Gaylordsville. Their Average 6 Month Premium is $321. Farmers is the most expensive at $1007 for the same period.

Cheapest Liability Coverage in Gaylordsville, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$321	$55
Kemper	$340	$57
Amica Mutual	$458	$77
Amica	$464	$77
Progressive	$482	$81
State Farm	$506	$85
Nationwide	$568	$96
Allstate	$661	$111
Hanover	$1316	$224
Travelers	$290	$49
Farmers	$1007	$172

Cheapest Full Coverage Car Insurance in Gaylordsville

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 Gaylordsville is Kemper at $128 per month and $760 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gaylordsville, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$760	$128
Travelers	$784	$133
USAA	$920	$155
Amica Mutual	$1025	$173
State Farm	$1229	$207
Progressive	$1366	$230
Allstate	$1477	$249
Nationwide	$1526	$257
Amica	$1624	$270
Farmers	$2175	$370
Hanover	$3490	$588

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Average Car Insurance in Gaylordsville 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 Gaylordsville, CT increasing?

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

Car Insurance Premiums by Age in Gaylordsville

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 Gaylordsville,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Gaylordsville at $64 per month. At $8617 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$383	$64
Amica Mutual	$475	$79
USAA	$1303	$219
Amica	$2305	$388
Allstate	$2551	$430
State Farm	$2730	$460
Progressive	$3862	$650
Nationwide	$5331	$898
Hanover	$8148	$1385
Farmers	$8247	$1375
Travelers	$8617	$1465

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 Gaylordsville, Kemper is the cheapest car insurance provider. At $439 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 Gaylordsville is Amica, offering rates of around $5108 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$439	$73
Amica Mutual	$803	$136
USAA	$1532	$256
Travelers	$1551	$264
Progressive	$1835	$309
Allstate	$2002	$337
Nationwide	$2101	$354
State Farm	$3564	$600
Farmers	$4379	$730
Amica	$5108	$868

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Car Insurance Rates with An Accident in Gaylordsville

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

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

The cheapest car insurance companies after an at-fault accident in Gaylordsville include Amica Mutual and Kemper, offering $538 and $563, respectively. Hanover is an expensive provider with an average six-month premium of $6233.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$538	$89
Kemper	$563	$95
State Farm	$877	$148
Travelers	$877	$149
USAA	$889	$150
Amica	$1576	$265
Progressive	$1872	$315
Nationwide	$2385	$401
Allstate	$4484	$748
Farmers	$4973	$846
Hanover	$6233	$1039

Gaylordsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gaylordsville CT. For example, the car insurance in Gaylordsville after a DUI increases to $1971 for a six month policy. While the rate increases by $259 for a six-month policy in the case of a speeding ticket.

Gaylordsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1260	$210
One Med/PIP claim	$1260	$214
Not-at-fault accident	$1303	$217
Two Med/PIP claims	$1309	$223
One comp claim	$1328	$222
Two comp claims	$1408	$239
Driving without lights	$1464	$244
Failure to wear a seat belt	$1483	$252
Child safety restraint	$1501	$251
Failure to show documents	$1507	$256
Speeding 6 - 10 MPH over limit	$1519	$254
Driving with expired registration	$1526	$259
Speeding 11 - 15 MPH over limit	$1526	$255
Speeding 16 - 20 MPH over limit	$1526	$259
Cell phone violation	$1532	$256
Texting while driving	$1532	$260
Driving too slowly	$1538	$257
Failure to stop at a red light	$1538	$261
Failure to yield	$1538	$257
Following too closely	$1538	$261
Illegal turn	$1538	$257
Improper passing	$1544	$263
Wrong way/wrong lane	$1544	$258
Speeding in school zone	$1551	$264
Speeding 21 - 25 MPH over limit	$1569	$261
At-fault accident - less than $1000	$1588	$270
In 65 MPH zone	$1649	$275
Operating a vehicle without permission	$1705	$290
Open container	$1798	$300
At-fault accident - $1000-$2000	$1971	$335
At-fault accident - greater than $2000	$1971	$329
Passing school bus	$2305	$392
Reckless driving	$3034	$505
Racing	$3126	$531
Driving with a suspended license	$3150	$525
Refusal to submit to a chemical test	$3175	$540
DUI	$3231	$539
Leaving scene of an accident/hit and run	$3286	$558

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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 Gaylordsville 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 Gaylordsville.

The cheapest car insurance premiums in Gaylordsville are offered by Kemper at $685 for a six-month policy. However, it can be as expensive as $18304 with companies like Hanover.

Gaylordsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$685	$115
Progressive	$1309	$220
USAA	$1316	$222
Travelers	$1353	$226
Allstate	$1681	$283
State Farm	$1711	$288
Amica Mutual	$2835	$477
Nationwide	$3156	$531
Farmers	$5207	$885
Amica	$5702	$951
Hanover	$18304	$3113

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 Gaylordsville are offered by Kemper at $433. However, it can be as expensive as $4967 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Gaylordsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$433	$72
Amica Mutual	$525	$89
State Farm	$1063	$179
Travelers	$1063	$181
USAA	$1063	$177
Allstate	$1204	$203
Nationwide	$1501	$253
Progressive	$1618	$272
Amica	$1884	$314
Farmers	$2780	$473
Hanover	$4967	$828

Car Insurance Price Trends in Gaylordsville, Connecticut

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

The average cost of full coverage in the Gaylordsville rose by $343 in January compared to $248 of December. In other words, there has been an increase by $95 when you compare January and December.

The average cost of liability insurance in the Gaylordsville dipped to $84 in January, compared to $89 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 Gaylordsville?

The car insurance in Gaylordsville is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Gaylordsville?

The cheapest car insurance in Gaylordsville is $128 per month for full coverage.

How much is car insurance in Gaylordsville for teenagers?

Car insurance for teenagers costs $383 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 Gaylordsville?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $251 per month to insure your car in Gaylordsville.

Is car insurance expensive in Gaylordsville?

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

What is the best car insurance in Gaylordsville, CT?

The best car insurance company in Gaylordsville CT is Kemper, offering $760 for a six-month policy.