Cheapest Car Insurance Quotes in Guilford Center

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Guilford Center Car Insurance

^$ 53

/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 Guilford Center

The car insurance rate in Guilford Center is $1431 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $731, making it a popular choice for budget-conscious drivers. Rates in Guilford Center 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 Guilford Center

$1431

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Guilford Center

1st place: Kemper

At $731 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $754 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $885 for six months, making it the third cheapest auto insurance company in Guilford Center.

Guilford Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Guilford Center, CT is Kemper, offering policies at just $731 for a six-month term. This is followed by Travelers, which has an average six-month premium of $754.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3356 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Guilford Center drivers find the best deals.

Cheap Car Insurance Companies in Guilford Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$731	$123
Travelers	$754	$128
USAA	$885	$149
Amica Mutual	$986	$166
State Farm	$1182	$199
Progressive	$1313	$221
Allstate	$1420	$239
Nationwide	$1467	$247
Amica	$1562	$260
Farmers	$2091	$356
Hanover	$3356	$565

Key Takeaways

Way's key takeaways about car insurance in Guilford Center

The auto insurance costs in Guilford Center fall around $731 for six months.
The cheapest auto insurance company in Guilford Center is USAA.
Teen drivers pay the highest rate in Guilford Center at $1409 per month.

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Cheapest Minimum Liability Car Insurance in Guilford Center

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 Guilford Center are given below.

USAA provides the cheapest minimum car insurance coverage in Guilford Center. Their Average 6 Month Premium is $309. Farmers is the most expensive at $968 for the same period.

Cheapest Liability Coverage in Guilford Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$309	$53
Kemper	$327	$55
Amica Mutual	$440	$74
Amica	$446	$74
Progressive	$463	$78
State Farm	$487	$82
Nationwide	$546	$92
Allstate	$636	$107
Hanover	$1265	$215
Travelers	$279	$47
Farmers	$968	$165

Cheapest Full Coverage Car Insurance in Guilford Center

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 Guilford Center is Kemper at $123 per month and $731 for six months.

Cheapest Full Coverage Car Insurance Quotes in Guilford Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$731	$123
Travelers	$754	$128
USAA	$885	$149
Amica Mutual	$986	$166
State Farm	$1182	$199
Progressive	$1313	$221
Allstate	$1420	$239
Nationwide	$1467	$247
Amica	$1562	$260
Farmers	$2091	$356
Hanover	$3356	$565

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Average Car Insurance in Guilford Center 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 Guilford Center, CT increasing?

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

Car Insurance Premiums by Age in Guilford Center

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 Guilford Center,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Guilford Center at $62 per month. At $8286 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$368	$62
Amica Mutual	$457	$76
USAA	$1253	$211
Amica	$2216	$373
Allstate	$2453	$413
State Farm	$2625	$442
Progressive	$3713	$625
Nationwide	$5126	$863
Hanover	$7835	$1332
Farmers	$7930	$1322
Travelers	$8286	$1409

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 Guilford Center, Kemper is the cheapest car insurance provider. At $422 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 Guilford Center is Amica, offering rates of around $4912 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$422	$70
Amica Mutual	$772	$131
USAA	$1473	$246
Travelers	$1491	$254
Progressive	$1764	$297
Allstate	$1925	$324
Nationwide	$2020	$340
State Farm	$3427	$577
Farmers	$4211	$702
Amica	$4912	$835

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Car Insurance Rates with An Accident in Guilford Center

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

Cheapest Car Insurance Companies after an At-Fault Accident in Guilford Center

The cheapest car insurance companies after an at-fault accident in Guilford Center include Amica Mutual and Kemper, offering $517 and $541, respectively. Hanover is an expensive provider with an average six-month premium of $5993.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$517	$86
Kemper	$541	$91
State Farm	$843	$142
Travelers	$843	$143
USAA	$855	$144
Amica	$1515	$255
Progressive	$1800	$303
Nationwide	$2293	$386
Allstate	$4312	$719
Farmers	$4782	$813
Hanover	$5993	$999

Guilford Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Guilford Center CT. For example, the car insurance in Guilford Center after a DUI increases to $1895 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

Guilford Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1212	$202
One Med/PIP claim	$1212	$206
Not-at-fault accident	$1253	$209
Two Med/PIP claims	$1259	$214
One comp claim	$1277	$213
Two comp claims	$1354	$230
Driving without lights	$1408	$235
Failure to wear a seat belt	$1426	$242
Child safety restraint	$1443	$241
Failure to show documents	$1449	$246
Speeding 6 - 10 MPH over limit	$1461	$244
Driving with expired registration	$1467	$249
Speeding 11 - 15 MPH over limit	$1467	$245
Speeding 16 - 20 MPH over limit	$1467	$249
Cell phone violation	$1473	$246
Texting while driving	$1473	$250
Driving too slowly	$1479	$247
Failure to stop at a red light	$1479	$251
Failure to yield	$1479	$247
Following too closely	$1479	$251
Illegal turn	$1479	$247
Improper passing	$1485	$253
Wrong way/wrong lane	$1485	$248
Speeding in school zone	$1491	$254
Speeding 21 - 25 MPH over limit	$1509	$251
At-fault accident - less than $1000	$1527	$260
In 65 MPH zone	$1586	$264
Operating a vehicle without permission	$1639	$279
Open container	$1729	$288
At-fault accident - $1000-$2000	$1895	$322
At-fault accident - greater than $2000	$1895	$316
Passing school bus	$2216	$377
Reckless driving	$2917	$486
Racing	$3006	$511
Driving with a suspended license	$3029	$505
Refusal to submit to a chemical test	$3053	$519
DUI	$3107	$518
Leaving scene of an accident/hit and run	$3160	$537

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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 Guilford Center 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 Guilford Center.

The cheapest car insurance premiums in Guilford Center are offered by Kemper at $659 for a six-month policy. However, it can be as expensive as $17600 with companies like Hanover.

Guilford Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$659	$111
Progressive	$1259	$212
USAA	$1265	$213
Travelers	$1301	$217
Allstate	$1616	$272
State Farm	$1645	$277
Amica Mutual	$2726	$459
Nationwide	$3035	$511
Farmers	$5007	$851
Amica	$5483	$914
Hanover	$17600	$2993

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 Guilford Center are offered by Kemper at $416. However, it can be as expensive as $4776 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Guilford Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$416	$69
Amica Mutual	$505	$86
State Farm	$1022	$172
Travelers	$1022	$174
USAA	$1022	$170
Allstate	$1158	$195
Nationwide	$1443	$243
Progressive	$1556	$262
Amica	$1812	$302
Farmers	$2673	$455
Hanover	$4776	$796

Car Insurance Price Trends in Guilford Center, Connecticut

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

The average cost of full coverage in the Guilford Center rose by $330 in January compared to $238 of December. In other words, there has been an increase by $92 when you compare January and December.

The average cost of liability insurance in the Guilford Center dipped to $81 in January, compared to $86 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 Guilford Center?

The car insurance in Guilford Center is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Guilford Center?

The cheapest car insurance in Guilford Center is $123 per month for full coverage.

How much is car insurance in Guilford Center for teenagers?

Car insurance for teenagers costs $368 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 Guilford Center?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $241 per month to insure your car in Guilford Center.

Is car insurance expensive in Guilford Center?

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

What is the best car insurance in Guilford Center, CT?

The best car insurance company in Guilford Center CT is Kemper, offering $731 for a six-month policy.