Cheapest Car Insurance Quotes in Long Hill

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Long Hill Car Insurance

^$ 42

/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 Long Hill

The car insurance rate in Long Hill is $1085 for a six-month policy, which is $134 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $523, making it a popular choice for budget-conscious drivers. Rates in Long Hill 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 Long Hill

$1085

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Long Hill

1st place: Travelers

At $523 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $651 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $756 for six months, making it the third cheapest auto insurance company in Long Hill.

Long Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Long Hill, CT is Travelers, offering policies at just $523 for a six-month term. This is followed by Kemper, which has an average six-month premium of $651.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2575 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Long Hill drivers find the best deals.

Cheap Car Insurance Companies in Long Hill, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$523	$89
Kemper	$651	$109
USAA	$756	$127
State Farm	$851	$143
Amica Mutual	$878	$148
Progressive	$973	$164
Nationwide	$1010	$170
Amica	$1142	$190
Allstate	$1242	$209
Farmers	$1338	$223
Hanover	$2575	$438

Key Takeaways

Way's key takeaways about car insurance in Long Hill

The auto insurance costs in Long Hill fall around $523 for six months.
The cheapest auto insurance company in Long Hill is Travelers.
Teen drivers pay the highest rate in Long Hill at $978 per month.

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Cheapest Minimum Liability Car Insurance in Long Hill

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 Long Hill are given below.

Travelers provides the cheapest minimum car insurance coverage in Long Hill. Their Average 6 Month Premium is $248. Hanover is the most expensive at $1126 for the same period.

Cheapest Liability Coverage in Long Hill, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$248	$42
Kemper	$291	$49
USAA	$291	$49
Amica Mutual	$392	$66
State Farm	$412	$69
Amica	$449	$76
Nationwide	$486	$82
Progressive	$486	$82
Allstate	$619	$104
Farmers	$862	$147
Hanover	$1126	$188

Cheapest Full Coverage Car Insurance in Long Hill

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 Long Hill is Travelers at $89 per month and $523 for six months.

Cheapest Full Coverage Car Insurance Quotes in Long Hill, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$523	$89
Kemper	$651	$109
USAA	$756	$127
State Farm	$851	$143
Amica Mutual	$878	$148
Progressive	$973	$164
Nationwide	$1010	$170
Amica	$1142	$190
Allstate	$1242	$209
Farmers	$1338	$223
Hanover	$2575	$438

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Average Car Insurance in Long Hill 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 Long Hill, CT increasing?

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

Car Insurance Premiums by Age in Long Hill

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 Long Hill,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Long Hill at $55 per month. At $5868 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$328	$55
Amica Mutual	$407	$68
Nationwide	$439	$75
USAA	$1036	$174
State Farm	$1343	$226
Amica	$1644	$277
Allstate	$2109	$355
Progressive	$2940	$495
Farmers	$5155	$877
Travelers	$5868	$978

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 Long Hill, Kemper is the cheapest car insurance provider. At $376 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 Long Hill is Amica, offering rates of around $3573 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$376	$64
Nationwide	$497	$83
Amica Mutual	$687	$117
Travelers	$1025	$171
Progressive	$1153	$194
USAA	$1200	$200
Allstate	$1638	$276
State Farm	$1782	$300
Farmers	$2681	$456
Amica	$3573	$595

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Car Insurance Rates with An Accident in Long Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Long Hill

The cheapest car insurance companies after an at-fault accident in Long Hill include Amica Mutual and Kemper, offering $460 and $481, respectively. Farmers is an expensive provider with an average six-month premium of $3040.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$460	$77
Kemper	$481	$81
State Farm	$550	$93
Nationwide	$576	$98
Travelers	$587	$98
USAA	$714	$120
Progressive	$1137	$191
Amica	$1153	$194
Allstate	$2802	$467
Farmers	$3040	$517

Long Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Long Hill CT. For example, the car insurance in Long Hill after a DUI increases to $1686 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Long Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1079	$180
One Med/PIP claim	$1079	$183
Not-at-fault accident	$1115	$186
Two Med/PIP claims	$1121	$190
One comp claim	$1137	$190
Two comp claims	$1205	$205
Driving without lights	$1253	$209
Failure to wear a seat belt	$1269	$215
Child safety restraint	$1284	$214
Failure to show documents	$1290	$219
Speeding 6 - 10 MPH over limit	$1300	$217
Driving with expired registration	$1306	$222
Speeding 11 - 15 MPH over limit	$1306	$218
Speeding 16 - 20 MPH over limit	$1306	$222
Cell phone violation	$1311	$219
Texting while driving	$1311	$223
Driving too slowly	$1316	$220
Failure to stop at a red light	$1316	$223
Failure to yield	$1316	$220
Following too closely	$1316	$223
Illegal turn	$1316	$220
Improper passing	$1322	$225
Wrong way/wrong lane	$1322	$221
Speeding in school zone	$1327	$226
Speeding 21 - 25 MPH over limit	$1343	$223
At-fault accident - less than $1000	$1359	$231
In 65 MPH zone	$1412	$235
Operating a vehicle without permission	$1459	$248
Open container	$1539	$256
At-fault accident - $1000-$2000	$1687	$287
At-fault accident - greater than $2000	$1687	$281
Passing school bus	$1972	$336
Reckless driving	$2596	$433
Racing	$2675	$455
Driving with a suspended license	$2696	$449
Refusal to submit to a chemical test	$2717	$462
DUI	$2765	$461
Leaving scene of an accident/hit and run	$2812	$478

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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 Long Hill 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 Long Hill.

The cheapest car insurance premiums in Long Hill are offered by Kemper at $587 for a six-month policy. However, it can be as expensive as $15664 with companies like Hanover.

Long Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$587	$99
Travelers	$904	$154
Progressive	$951	$160
USAA	$1057	$178
State Farm	$1190	$200
Allstate	$1412	$238
Nationwide	$1655	$279
Amica Mutual	$2426	$409
Farmers	$3230	$538
Amica	$3965	$675
Hanover	$15664	$2610

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 Long Hill are offered by Nationwide at $365. However, it can be as expensive as $1708 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Long Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$365	$62
Kemper	$370	$61
Amica Mutual	$449	$77
State Farm	$576	$97
Travelers	$703	$119
USAA	$836	$139
Allstate	$994	$167
Progressive	$1020	$172
Amica	$1322	$225
Farmers	$1708	$285

Car Insurance Price Trends in Long Hill, Connecticut

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

The average cost of full coverage in the Long Hill rose by $212 in December compared to $208 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 Long Hill rose to $77 in December, compared to $74 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 Long Hill?

The car insurance in Long Hill is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Long Hill?

The cheapest car insurance in Long Hill is $89 per month for full coverage.

How much is car insurance in Long Hill for teenagers?

Car insurance for teenagers costs $328 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 Long Hill?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $182 per month to insure your car in Long Hill.

Is car insurance expensive in Long Hill?

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

What is the best car insurance in Long Hill, CT?

The best car insurance company in Long Hill CT is Travelers, offering $523 for a six-month policy.