Cheapest Car Insurance Quotes in Heritage Village

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Heritage Village Car Insurance

^$ 48

/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 Heritage Village

The car insurance rate in Heritage Village is $1243 for a six-month policy, which is $24 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $600, making it a popular choice for budget-conscious drivers. Rates in Heritage 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 Heritage Village

$1243

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Heritage Village

1st place: Travelers

At $600 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $746 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $866 for six months, making it the third cheapest auto insurance company in Heritage Village.

Heritage Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Heritage Village, CT is Travelers, offering policies at just $600 for a six-month term. This is followed by Kemper, which has an average six-month premium of $746.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2951 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Heritage Village drivers find the best deals.

Cheap Car Insurance Companies in Heritage Village, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$600	$102
Kemper	$746	$125
USAA	$866	$146
State Farm	$975	$164
Amica Mutual	$1006	$169
Progressive	$1115	$188
Nationwide	$1158	$195
Amica	$1309	$218
Allstate	$1424	$240
Farmers	$1533	$255
Hanover	$2951	$502

Key Takeaways

Way's key takeaways about car insurance in Heritage Village

The auto insurance costs in Heritage Village fall around $600 for six months.
The cheapest auto insurance company in Heritage Village is Travelers.
Teen drivers pay the highest rate in Heritage Village at $1121 per month.

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Cheapest Minimum Liability Car Insurance in Heritage 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 Heritage Village are given below.

Travelers provides the cheapest minimum car insurance coverage in Heritage Village. Their Average 6 Month Premium is $285. Hanover is the most expensive at $1290 for the same period.

Cheapest Liability Coverage in Heritage Village, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$285	$48
Kemper	$334	$56
USAA	$334	$56
Amica Mutual	$449	$75
State Farm	$472	$80
Amica	$515	$87
Nationwide	$557	$94
Progressive	$557	$94
Allstate	$709	$119
Farmers	$987	$168
Hanover	$1290	$215

Cheapest Full Coverage Car Insurance in Heritage 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 Heritage Village is Travelers at $102 per month and $600 for six months.

Cheapest Full Coverage Car Insurance Quotes in Heritage Village, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$600	$102
Kemper	$746	$125
USAA	$866	$146
State Farm	$975	$164
Amica Mutual	$1006	$169
Progressive	$1115	$188
Nationwide	$1158	$195
Amica	$1309	$218
Allstate	$1424	$240
Farmers	$1533	$255
Hanover	$2951	$502

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Average Car Insurance in Heritage 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 Heritage Village, CT increasing?

Despite maintaining a clean driving record, your car insurance rates in Heritage 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, Heritage 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 Heritage 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 Heritage Village,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Heritage Village at $63 per month. At $6725 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$375	$63
Amica Mutual	$466	$78
Nationwide	$503	$86
USAA	$1187	$200
State Farm	$1539	$259
Amica	$1884	$317
Allstate	$2417	$407
Progressive	$3369	$567
Farmers	$5908	$1005
Travelers	$6725	$1121

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 Heritage Village, Kemper is the cheapest car insurance provider. At $430 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 Heritage Village is Amica, offering rates of around $4095 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$430	$73
Nationwide	$569	$95
Amica Mutual	$787	$134
Travelers	$1175	$196
Progressive	$1321	$222
USAA	$1375	$230
Allstate	$1878	$316
State Farm	$2042	$344
Farmers	$3072	$522
Amica	$4095	$682

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Car Insurance Rates with An Accident in Heritage 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 Heritage Village, CT, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Heritage Village include Amica Mutual and Kemper, offering $527 and $552, respectively. Farmers is an expensive provider with an average six-month premium of $3484.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$527	$88
Kemper	$552	$93
State Farm	$630	$106
Nationwide	$660	$112
Travelers	$672	$112
USAA	$818	$138
Progressive	$1303	$219
Amica	$1321	$222
Allstate	$3211	$536
Farmers	$3484	$593

Heritage Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Heritage Village CT. For example, the car insurance in Heritage Village after a DUI increases to $1933 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.

Heritage Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1236	$206
One Med/PIP claim	$1236	$210
Not-at-fault accident	$1278	$213
Two Med/PIP claims	$1284	$218
One comp claim	$1303	$217
Two comp claims	$1381	$235
Driving without lights	$1436	$240
Failure to wear a seat belt	$1455	$247
Child safety restraint	$1472	$246
Failure to show documents	$1478	$251
Speeding 6 - 10 MPH over limit	$1490	$249
Driving with expired registration	$1496	$254
Speeding 11 - 15 MPH over limit	$1496	$250
Speeding 16 - 20 MPH over limit	$1496	$254
Cell phone violation	$1502	$251
Texting while driving	$1502	$255
Driving too slowly	$1509	$252
Failure to stop at a red light	$1509	$256
Failure to yield	$1509	$252
Following too closely	$1509	$256
Illegal turn	$1509	$252
Improper passing	$1515	$258
Wrong way/wrong lane	$1515	$253
Speeding in school zone	$1521	$259
Speeding 21 - 25 MPH over limit	$1539	$256
At-fault accident - less than $1000	$1558	$265
In 65 MPH zone	$1618	$269
Operating a vehicle without permission	$1672	$285
Open container	$1764	$294
At-fault accident - $1000-$2000	$1933	$328
At-fault accident - greater than $2000	$1933	$322
Passing school bus	$2260	$385
Reckless driving	$2975	$496
Racing	$3066	$521
Driving with a suspended license	$3090	$515
Refusal to submit to a chemical test	$3114	$529
DUI	$3169	$528
Leaving scene of an accident/hit and run	$3223	$548

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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 Heritage 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 Heritage Village.

The cheapest car insurance premiums in Heritage Village are offered by Kemper at $672 for a six-month policy. However, it can be as expensive as $17952 with companies like Hanover.

Heritage Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$672	$113
Travelers	$1036	$176
Progressive	$1090	$184
USAA	$1212	$204
State Farm	$1364	$230
Allstate	$1618	$272
Nationwide	$1896	$319
Amica Mutual	$2781	$468
Farmers	$3702	$617
Amica	$4544	$773
Hanover	$17952	$2992

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 Heritage Village are offered by Nationwide at $418. However, it can be as expensive as $1957 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Heritage Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$418	$71
Kemper	$424	$70
Amica Mutual	$515	$88
State Farm	$660	$111
Travelers	$806	$137
USAA	$958	$159
Allstate	$1139	$192
Progressive	$1169	$197
Amica	$1515	$258
Farmers	$1957	$326

Car Insurance Price Trends in Heritage Village, Connecticut

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

The average cost of full coverage in the Heritage Village rose by $243 in December compared to $239 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 Heritage Village rose to $88 in December, compared to $85 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 Heritage Village?

The car insurance in Heritage Village is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Heritage Village?

The cheapest car insurance in Heritage Village is $102 per month for full coverage.

How much is car insurance in Heritage Village for teenagers?

Car insurance for teenagers costs $375 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 Heritage Village?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $209 per month to insure your car in Heritage Village.

Is car insurance expensive in Heritage Village?

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

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

The best car insurance company in Heritage Village CT is Travelers, offering $600 for a six-month policy.