Cheapest Car Insurance Quotes in Meriden

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Meriden Car Insurance

^$ 51

/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 Meriden

The car insurance rate in Meriden is $1329 for a six-month policy, which is $110 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $641, making it a popular choice for budget-conscious drivers. Rates in Meriden 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 Meriden

$1329

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Meriden

1st place: Travelers

At $641 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $797 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $925 for six months, making it the third cheapest auto insurance company in Meriden.

Meriden Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Meriden, CT is Travelers, offering policies at just $641 for a six-month term. This is followed by Kemper, which has an average six-month premium of $797.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3153 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Meriden drivers find the best deals.

Cheap Car Insurance Companies in Meriden, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$641	$109
Kemper	$797	$134
USAA	$925	$156
State Farm	$1042	$175
Amica Mutual	$1075	$181
Progressive	$1191	$201
Nationwide	$1237	$208
Amica	$1398	$233
Allstate	$1522	$256
Farmers	$1638	$273
Hanover	$3153	$536

Key Takeaways

Way's key takeaways about car insurance in Meriden

The auto insurance costs in Meriden fall around $641 for six months.
The cheapest auto insurance company in Meriden is Travelers.
Teen drivers pay the highest rate in Meriden at $1198 per month.

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Cheapest Minimum Liability Car Insurance in Meriden

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 Meriden are given below.

Travelers provides the cheapest minimum car insurance coverage in Meriden. Their Average 6 Month Premium is $304. Hanover is the most expensive at $1379 for the same period.

Cheapest Liability Coverage in Meriden, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$304	$51
Kemper	$356	$60
USAA	$356	$60
Amica Mutual	$480	$81
State Farm	$505	$85
Amica	$550	$93
Nationwide	$595	$100
Progressive	$595	$100
Allstate	$758	$128
Farmers	$1055	$180
Hanover	$1379	$230

Cheapest Full Coverage Car Insurance in Meriden

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 Meriden is Travelers at $109 per month and $641 for six months.

Cheapest Full Coverage Car Insurance Quotes in Meriden, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$641	$109
Kemper	$797	$134
USAA	$925	$156
State Farm	$1042	$175
Amica Mutual	$1075	$181
Progressive	$1191	$201
Nationwide	$1237	$208
Amica	$1398	$233
Allstate	$1522	$256
Farmers	$1638	$273
Hanover	$3153	$536

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Average Car Insurance in Meriden 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 Meriden, CT increasing?

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

Car Insurance Premiums by Age in Meriden

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 Meriden,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Meriden at $68 per month. At $7186 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$401	$68
Amica Mutual	$498	$83
Nationwide	$537	$92
USAA	$1269	$214
State Farm	$1645	$277
Amica	$2013	$339
Allstate	$2583	$435
Progressive	$3600	$606
Farmers	$6313	$1074
Travelers	$7186	$1198

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 Meriden, Kemper is the cheapest car insurance provider. At $460 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 Meriden is Amica, offering rates of around $4376 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$460	$78
Nationwide	$608	$101
Amica Mutual	$841	$143
Travelers	$1256	$209
Progressive	$1412	$238
USAA	$1469	$245
Allstate	$2007	$338
State Farm	$2182	$367
Farmers	$3283	$558
Amica	$4376	$729

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Car Insurance Rates with An Accident in Meriden

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

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

The cheapest car insurance companies after an at-fault accident in Meriden include Amica Mutual and Kemper, offering $564 and $590, respectively. Farmers is an expensive provider with an average six-month premium of $3723.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$564	$94
Kemper	$590	$99
State Farm	$674	$113
Nationwide	$705	$120
Travelers	$718	$120
USAA	$874	$147
Progressive	$1392	$234
Amica	$1412	$238
Allstate	$3431	$572
Farmers	$3723	$633

Meriden Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Meriden CT. For example, the car insurance in Meriden after a DUI increases to $2066 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Meriden auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1321	$220
One Med/PIP claim	$1321	$225
Not-at-fault accident	$1366	$228
Two Med/PIP claims	$1372	$233
One comp claim	$1392	$232
Two comp claims	$1476	$251
Driving without lights	$1535	$256
Failure to wear a seat belt	$1554	$264
Child safety restraint	$1573	$263
Failure to show documents	$1579	$268
Speeding 6 - 10 MPH over limit	$1592	$266
Driving with expired registration	$1599	$271
Speeding 11 - 15 MPH over limit	$1599	$267
Speeding 16 - 20 MPH over limit	$1599	$271
Cell phone violation	$1606	$268
Texting while driving	$1606	$273
Driving too slowly	$1612	$269
Failure to stop at a red light	$1612	$274
Failure to yield	$1612	$269
Following too closely	$1612	$274
Illegal turn	$1612	$269
Improper passing	$1619	$276
Wrong way/wrong lane	$1619	$270
Speeding in school zone	$1625	$277
Speeding 21 - 25 MPH over limit	$1645	$274
At-fault accident - less than $1000	$1664	$283
In 65 MPH zone	$1729	$288
Operating a vehicle without permission	$1787	$304
Open container	$1885	$314
At-fault accident - $1000-$2000	$2066	$351
At-fault accident - greater than $2000	$2066	$344
Passing school bus	$2415	$411
Reckless driving	$3180	$530
Racing	$3277	$557
Driving with a suspended license	$3302	$550
Refusal to submit to a chemical test	$3328	$566
DUI	$3387	$565
Leaving scene of an accident/hit and run	$3444	$585

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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 Meriden 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 Meriden.

The cheapest car insurance premiums in Meriden are offered by Kemper at $718 for a six-month policy. However, it can be as expensive as $19184 with companies like Hanover.

Meriden car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$718	$121
Travelers	$1107	$189
Progressive	$1165	$196
USAA	$1295	$218
State Farm	$1457	$245
Allstate	$1729	$291
Nationwide	$2026	$341
Amica Mutual	$2971	$500
Farmers	$3956	$659
Amica	$4856	$826
Hanover	$19184	$3197

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 Meriden are offered by Nationwide at $447. However, it can be as expensive as $2092 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Meriden after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$447	$76
Kemper	$453	$75
Amica Mutual	$550	$94
State Farm	$705	$119
Travelers	$861	$146
USAA	$1024	$170
Allstate	$1218	$205
Progressive	$1249	$210
Amica	$1619	$276
Farmers	$2092	$349

Car Insurance Price Trends in Meriden, Connecticut

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

The average cost of full coverage in the Meriden rose by $259 in December compared to $255 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 Meriden rose to $94 in December, compared to $90 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Meriden?

The car insurance in Meriden is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Meriden?

The cheapest car insurance in Meriden is $109 per month for full coverage.

How much is car insurance in Meriden for teenagers?

Car insurance for teenagers costs $401 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 Meriden?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $223 per month to insure your car in Meriden.

Is car insurance expensive in Meriden?

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

What is the best car insurance in Meriden, CT?

The best car insurance company in Meriden CT is Travelers, offering $641 for a six-month policy.