Cheapest Car Insurance Quotes in Naugatuck

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Naugatuck Car Insurance

^$ 61

/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 Naugatuck

The car insurance rate in Naugatuck is $1660 for a six-month policy, which is $229 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $848, making it a popular choice for budget-conscious drivers. Rates in Naugatuck 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 Naugatuck

$1660

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Naugatuck

1st place: Kemper

At $848 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $875 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1027 for six months, making it the third cheapest auto insurance company in Naugatuck.

Naugatuck Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Naugatuck, CT is Kemper, offering policies at just $848 for a six-month term. This is followed by Travelers, which has an average six-month premium of $875.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3893 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Naugatuck drivers find the best deals.

Cheap Car Insurance Companies in Naugatuck, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$848	$143
Travelers	$875	$148
USAA	$1027	$173
Amica Mutual	$1144	$193
State Farm	$1371	$231
Progressive	$1523	$256
Allstate	$1647	$277
Nationwide	$1702	$287
Amica	$1812	$302
Farmers	$2426	$413
Hanover	$3893	$655

Key Takeaways

Way's key takeaways about car insurance in Naugatuck

The auto insurance costs in Naugatuck fall around $848 for six months.
The cheapest auto insurance company in Naugatuck is USAA.
Teen drivers pay the highest rate in Naugatuck at $1634 per month.

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Cheapest Minimum Liability Car Insurance in Naugatuck

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 Naugatuck are given below.

USAA provides the cheapest minimum car insurance coverage in Naugatuck. Their Average 6 Month Premium is $358. Farmers is the most expensive at $1123 for the same period.

Cheapest Liability Coverage in Naugatuck, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$358	$61
Kemper	$379	$64
Amica Mutual	$510	$86
Amica	$517	$86
Progressive	$537	$90
State Farm	$565	$95
Nationwide	$633	$107
Allstate	$738	$124
Hanover	$1467	$249
Travelers	$324	$55
Farmers	$1123	$191

Cheapest Full Coverage Car Insurance in Naugatuck

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 Naugatuck is Kemper at $143 per month and $848 for six months.

Cheapest Full Coverage Car Insurance Quotes in Naugatuck, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$848	$143
Travelers	$875	$148
USAA	$1027	$173
Amica Mutual	$1144	$193
State Farm	$1371	$231
Progressive	$1523	$256
Allstate	$1647	$277
Nationwide	$1702	$287
Amica	$1812	$302
Farmers	$2426	$413
Hanover	$3893	$655

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Average Car Insurance in Naugatuck 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 Naugatuck, CT increasing?

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

Car Insurance Premiums by Age in Naugatuck

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 Naugatuck,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Naugatuck at $72 per month. At $9612 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$427	$72
Amica Mutual	$530	$88
USAA	$1453	$245
Amica	$2571	$433
Allstate	$2845	$479
State Farm	$3045	$513
Progressive	$4307	$725
Nationwide	$5946	$1001
Hanover	$9089	$1545
Farmers	$9199	$1534
Travelers	$9612	$1634

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 Naugatuck, Kemper is the cheapest car insurance provider. At $490 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 Naugatuck is Amica, offering rates of around $5698 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$490	$81
Amica Mutual	$896	$152
USAA	$1709	$285
Travelers	$1730	$295
Progressive	$2046	$345
Allstate	$2233	$376
Nationwide	$2343	$394
State Farm	$3975	$669
Farmers	$4885	$814
Amica	$5698	$969

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Car Insurance Rates with An Accident in Naugatuck

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

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

The cheapest car insurance companies after an at-fault accident in Naugatuck include Amica Mutual and Kemper, offering $600 and $628, respectively. Hanover is an expensive provider with an average six-month premium of $6952.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$600	$100
Kemper	$628	$106
State Farm	$978	$165
Travelers	$978	$166
USAA	$992	$167
Amica	$1757	$296
Progressive	$2088	$351
Nationwide	$2660	$448
Allstate	$5002	$834
Farmers	$5547	$943
Hanover	$6952	$1159

Naugatuck Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Naugatuck CT. For example, the car insurance in Naugatuck after a DUI increases to $2198 for a six month policy. While the rate increases by $289 for a six-month policy in the case of a speeding ticket.

Naugatuck auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1406	$234
One Med/PIP claim	$1406	$239
Not-at-fault accident	$1453	$242
Two Med/PIP claims	$1460	$248
One comp claim	$1481	$247
Two comp claims	$1571	$267
Driving without lights	$1633	$273
Failure to wear a seat belt	$1654	$281
Child safety restraint	$1674	$280
Failure to show documents	$1681	$285
Speeding 6 - 10 MPH over limit	$1695	$283
Driving with expired registration	$1702	$289
Speeding 11 - 15 MPH over limit	$1702	$284
Speeding 16 - 20 MPH over limit	$1702	$289
Cell phone violation	$1709	$285
Texting while driving	$1709	$290
Driving too slowly	$1716	$287
Failure to stop at a red light	$1716	$291
Failure to yield	$1716	$287
Following too closely	$1716	$291
Illegal turn	$1716	$287
Improper passing	$1723	$293
Wrong way/wrong lane	$1723	$288
Speeding in school zone	$1730	$295
Speeding 21 - 25 MPH over limit	$1750	$291
At-fault accident - less than $1000	$1771	$302
In 65 MPH zone	$1840	$306
Operating a vehicle without permission	$1901	$324
Open container	$2006	$334
At-fault accident - $1000-$2000	$2198	$374
At-fault accident - greater than $2000	$2198	$367
Passing school bus	$2571	$437
Reckless driving	$3384	$564
Racing	$3487	$593
Driving with a suspended license	$3514	$586
Refusal to submit to a chemical test	$3541	$602
DUI	$3604	$601
Leaving scene of an accident/hit and run	$3666	$623

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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 Naugatuck 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 Naugatuck.

The cheapest car insurance premiums in Naugatuck are offered by Kemper at $764 for a six-month policy. However, it can be as expensive as $20416 with companies like Hanover.

Naugatuck car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$764	$129
Progressive	$1460	$246
USAA	$1467	$247
Travelers	$1509	$252
Allstate	$1875	$316
State Farm	$1908	$321
Amica Mutual	$3162	$532
Nationwide	$3521	$593
Farmers	$5808	$987
Amica	$6360	$1060
Hanover	$20416	$3472

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 Naugatuck are offered by Kemper at $483. However, it can be as expensive as $5540 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Naugatuck after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$483	$80
Amica Mutual	$586	$100
State Farm	$1186	$200
Travelers	$1186	$202
USAA	$1186	$197
Allstate	$1343	$226
Nationwide	$1674	$282
Progressive	$1805	$304
Amica	$2102	$350
Farmers	$3101	$528
Hanover	$5540	$923

Car Insurance Price Trends in Naugatuck, Connecticut

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

The average cost of full coverage in the Naugatuck rose by $383 in January compared to $276 of December. In other words, there has been an increase by $107 when you compare January and December.

The average cost of liability insurance in the Naugatuck dipped to $94 in January, compared to $100 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Naugatuck?

The car insurance in Naugatuck is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Naugatuck?

The cheapest car insurance in Naugatuck is $143 per month for full coverage.

How much is car insurance in Naugatuck for teenagers?

Car insurance for teenagers costs $427 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 Naugatuck?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $280 per month to insure your car in Naugatuck.

Is car insurance expensive in Naugatuck?

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

What is the best car insurance in Naugatuck, CT?

The best car insurance company in Naugatuck CT is Kemper, offering $848 for a six-month policy.