Cheapest Car Insurance Quotes in New Canaan

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New Canaan 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 New Canaan

The car insurance rate in New Canaan is $1207 for a six-month policy, which is $12 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $582, making it a popular choice for budget-conscious drivers. Rates in New Canaan 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 New Canaan

$1207

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in New Canaan

1st place: Travelers

At $582 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $724 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $841 for six months, making it the third cheapest auto insurance company in New Canaan.

New Canaan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Canaan, CT is Travelers, offering policies at just $582 for a six-month term. This is followed by Kemper, which has an average six-month premium of $724.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2864 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Canaan drivers find the best deals.

Cheap Car Insurance Companies in New Canaan, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$582	$99
Kemper	$724	$122
USAA	$841	$142
State Farm	$946	$159
Amica Mutual	$976	$164
Progressive	$1082	$182
Nationwide	$1124	$189
Amica	$1270	$212
Allstate	$1382	$233
Farmers	$1488	$248
Hanover	$2864	$487

Key Takeaways

Way's key takeaways about car insurance in New Canaan

The auto insurance costs in New Canaan fall around $582 for six months.
The cheapest auto insurance company in New Canaan is Travelers.
Teen drivers pay the highest rate in New Canaan at $1088 per month.

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Cheapest Minimum Liability Car Insurance in New Canaan

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 New Canaan are given below.

Travelers provides the cheapest minimum car insurance coverage in New Canaan. Their Average 6 Month Premium is $276. Hanover is the most expensive at $1252 for the same period.

Cheapest Liability Coverage in New Canaan, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$276	$47
Kemper	$324	$54
USAA	$324	$54
Amica Mutual	$436	$73
State Farm	$458	$77
Amica	$500	$84
Nationwide	$541	$91
Progressive	$541	$91
Allstate	$688	$116
Farmers	$958	$163
Hanover	$1252	$209

Cheapest Full Coverage Car Insurance in New Canaan

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 New Canaan is Travelers at $99 per month and $582 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Canaan, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$582	$99
Kemper	$724	$122
USAA	$841	$142
State Farm	$946	$159
Amica Mutual	$976	$164
Progressive	$1082	$182
Nationwide	$1124	$189
Amica	$1270	$212
Allstate	$1382	$233
Farmers	$1488	$248
Hanover	$2864	$487

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Average Car Insurance in New Canaan 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 New Canaan, CT increasing?

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

Car Insurance Premiums by Age in New Canaan

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 New Canaan,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the New Canaan at $61 per month. At $6527 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$364	$61
Amica Mutual	$452	$75
Nationwide	$488	$83
USAA	$1152	$194
State Farm	$1494	$251
Amica	$1829	$308
Allstate	$2346	$395
Progressive	$3270	$550
Farmers	$5734	$975
Travelers	$6527	$1088

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 New Canaan, Kemper is the cheapest car insurance provider. At $418 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 New Canaan is Amica, offering rates of around $3975 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$418	$71
Nationwide	$552	$92
Amica Mutual	$764	$130
Travelers	$1140	$190
Progressive	$1282	$216
USAA	$1335	$223
Allstate	$1823	$307
State Farm	$1982	$334
Farmers	$2982	$507
Amica	$3975	$662

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Car Insurance Rates with An Accident in New Canaan

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Canaan

The cheapest car insurance companies after an at-fault accident in New Canaan include Amica Mutual and Kemper, offering $512 and $536, respectively. Farmers is an expensive provider with an average six-month premium of $3382.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$512	$85
Kemper	$536	$90
State Farm	$612	$103
Nationwide	$641	$109
Travelers	$652	$109
USAA	$794	$134
Progressive	$1264	$213
Amica	$1282	$216
Allstate	$3117	$520
Farmers	$3382	$575

New Canaan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Canaan CT. For example, the car insurance in New Canaan after a DUI increases to $1876 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

New Canaan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
One Med/PIP claim	$1200	$204
Not-at-fault accident	$1240	$207
Two Med/PIP claims	$1246	$212
One comp claim	$1264	$211
Two comp claims	$1340	$228
Driving without lights	$1394	$233
Failure to wear a seat belt	$1412	$240
Child safety restraint	$1429	$239
Failure to show documents	$1435	$244
Speeding 6 - 10 MPH over limit	$1446	$242
Driving with expired registration	$1452	$247
Speeding 11 - 15 MPH over limit	$1452	$243
Speeding 16 - 20 MPH over limit	$1452	$247
Cell phone violation	$1458	$244
Texting while driving	$1458	$248
Driving too slowly	$1464	$245
Failure to stop at a red light	$1464	$248
Failure to yield	$1464	$245
Following too closely	$1464	$248
Illegal turn	$1464	$245
Improper passing	$1470	$250
Wrong way/wrong lane	$1470	$246
Speeding in school zone	$1476	$251
Speeding 21 - 25 MPH over limit	$1494	$248
At-fault accident - less than $1000	$1512	$257
In 65 MPH zone	$1570	$261
Operating a vehicle without permission	$1623	$276
Open container	$1712	$285
At-fault accident - $1000-$2000	$1876	$319
At-fault accident - greater than $2000	$1876	$313
Passing school bus	$2194	$373
Reckless driving	$2888	$481
Racing	$2976	$506
Driving with a suspended license	$2999	$500
Refusal to submit to a chemical test	$3022	$514
DUI	$3076	$513
Leaving scene of an accident/hit and run	$3128	$532

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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 New Canaan 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 New Canaan.

The cheapest car insurance premiums in New Canaan are offered by Kemper at $652 for a six-month policy. However, it can be as expensive as $17424 with companies like Hanover.

New Canaan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$652	$110
Travelers	$1006	$171
Progressive	$1058	$178
USAA	$1176	$198
State Farm	$1324	$223
Allstate	$1570	$264
Nationwide	$1840	$310
Amica Mutual	$2699	$454
Farmers	$3593	$599
Amica	$4410	$750
Hanover	$17424	$2904

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 New Canaan are offered by Nationwide at $406. However, it can be as expensive as $1900 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in New Canaan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$406	$69
Kemper	$412	$68
Amica Mutual	$500	$85
State Farm	$641	$108
Travelers	$782	$133
USAA	$930	$154
Allstate	$1106	$186
Progressive	$1135	$191
Amica	$1470	$250
Farmers	$1900	$317

Car Insurance Price Trends in New Canaan, Connecticut

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

The average cost of full coverage in the New Canaan rose by $236 in December compared to $232 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 New Canaan rose to $85 in December, compared to $82 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 New Canaan?

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

What is the cheapest car insurance in New Canaan?

The cheapest car insurance in New Canaan is $99 per month for full coverage.

How much is car insurance in New Canaan for teenagers?

Car insurance for teenagers costs $364 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 New Canaan?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $203 per month to insure your car in New Canaan.

Is car insurance expensive in New Canaan?

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

What is the best car insurance in New Canaan, CT?

The best car insurance company in New Canaan CT is Travelers, offering $582 for a six-month policy.