Cheapest Car Insurance Quotes in Kensington

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Kensington Car Insurance

^$ 47

/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 Kensington

The car insurance rate in Kensington is $1219 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 $588, making it a popular choice for budget-conscious drivers. Rates in Kensington 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 Kensington

$1219

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Kensington

1st place: Travelers

At $588 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $731 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $849 for six months, making it the third cheapest auto insurance company in Kensington.

Kensington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kensington, CT is Travelers, offering policies at just $588 for a six-month term. This is followed by Kemper, which has an average six-month premium of $731.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2893 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kensington drivers find the best deals.

Cheap Car Insurance Companies in Kensington, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$588	$100
Kemper	$731	$123
USAA	$849	$143
State Farm	$956	$161
Amica Mutual	$986	$166
Progressive	$1093	$184
Nationwide	$1135	$191
Amica	$1283	$214
Allstate	$1396	$235
Farmers	$1503	$250
Hanover	$2893	$492

Key Takeaways

Way's key takeaways about car insurance in Kensington

The auto insurance costs in Kensington fall around $588 for six months.
The cheapest auto insurance company in Kensington is Travelers.
Teen drivers pay the highest rate in Kensington at $1099 per month.

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Cheapest Minimum Liability Car Insurance in Kensington

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 Kensington are given below.

Travelers provides the cheapest minimum car insurance coverage in Kensington. Their Average 6 Month Premium is $279. Hanover is the most expensive at $1265 for the same period.

Cheapest Liability Coverage in Kensington, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$279	$47
Kemper	$327	$55
USAA	$327	$55
Amica Mutual	$440	$74
State Farm	$463	$78
Amica	$505	$85
Nationwide	$546	$92
Progressive	$546	$92
Allstate	$695	$117
Farmers	$968	$165
Hanover	$1265	$211

Cheapest Full Coverage Car Insurance in Kensington

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 Kensington is Travelers at $100 per month and $588 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kensington, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$588	$100
Kemper	$731	$123
USAA	$849	$143
State Farm	$956	$161
Amica Mutual	$986	$166
Progressive	$1093	$184
Nationwide	$1135	$191
Amica	$1283	$214
Allstate	$1396	$235
Farmers	$1503	$250
Hanover	$2893	$492

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Average Car Insurance in Kensington 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 Kensington, CT increasing?

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

Car Insurance Premiums by Age in Kensington

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 Kensington,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Kensington at $62 per month. At $6593 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
Nationwide	$493	$84
USAA	$1164	$196
State Farm	$1509	$254
Amica	$1847	$311
Allstate	$2370	$399
Progressive	$3303	$556
Farmers	$5792	$985
Travelers	$6593	$1099

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 Kensington, 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 Kensington is Amica, offering rates of around $4015 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$422	$72
Nationwide	$558	$93
Amica Mutual	$772	$131
Travelers	$1152	$192
Progressive	$1295	$218
USAA	$1348	$225
Allstate	$1841	$310
State Farm	$2002	$337
Farmers	$3012	$512
Amica	$4015	$669

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Car Insurance Rates with An Accident in Kensington

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

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

The cheapest car insurance companies after an at-fault accident in Kensington include Amica Mutual and Kemper, offering $517 and $541, respectively. Farmers is an expensive provider with an average six-month premium of $3416.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$517	$86
Kemper	$541	$91
State Farm	$618	$104
Nationwide	$647	$110
Travelers	$659	$110
USAA	$802	$135
Progressive	$1277	$215
Amica	$1295	$218
Allstate	$3148	$525
Farmers	$3416	$581

Kensington Car Insurance Rates by Violation

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

Kensington 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 Kensington 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 Kensington.

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

Kensington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$659	$111
Travelers	$1016	$173
Progressive	$1069	$180
USAA	$1188	$200
State Farm	$1337	$225
Allstate	$1586	$267
Nationwide	$1859	$313
Amica Mutual	$2726	$459
Farmers	$3629	$605
Amica	$4455	$758
Hanover	$17600	$2933

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 Kensington are offered by Nationwide at $410. However, it can be as expensive as $1919 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Kensington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$410	$70
Kemper	$416	$69
Amica Mutual	$505	$86
State Farm	$647	$109
Travelers	$790	$134
USAA	$939	$156
Allstate	$1117	$188
Progressive	$1146	$193
Amica	$1485	$253
Farmers	$1919	$320

Car Insurance Price Trends in Kensington, Connecticut

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

The average cost of full coverage in the Kensington rose by $238 in December compared to $234 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 Kensington rose to $86 in December, compared to $83 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 Kensington?

The car insurance in Kensington is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Kensington?

The cheapest car insurance in Kensington is $100 per month for full coverage.

How much is car insurance in Kensington 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 Kensington?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $205 per month to insure your car in Kensington.

Is car insurance expensive in Kensington?

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

What is the best car insurance in Kensington, CT?

The best car insurance company in Kensington CT is Travelers, offering $588 for a six-month policy.