Cheapest Car Insurance Quotes in New Canaan

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New Canaan Car Insurance

^$ 52

/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 $1402 for a six-month policy, which is $29 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $716, 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

$1402

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in New Canaan

1st place: Kemper

At $716 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $739 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $867 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 Kemper, offering policies at just $716 for a six-month term. This is followed by Travelers, which has an average six-month premium of $739.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3289 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
Kemper	$716	$121
Travelers	$739	$125
USAA	$867	$146
Amica Mutual	$966	$163
State Farm	$1158	$195
Progressive	$1287	$217
Allstate	$1392	$234
Nationwide	$1438	$242
Amica	$1531	$255
Farmers	$2049	$349
Hanover	$3289	$554

Key Takeaways

Way's key takeaways about car insurance in New Canaan

The auto insurance costs in New Canaan fall around $716 for six months.
The cheapest auto insurance company in New Canaan is USAA.
Teen drivers pay the highest rate in New Canaan at $1381 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.

USAA provides the cheapest minimum car insurance coverage in New Canaan. Their Average 6 Month Premium is $303. Farmers is the most expensive at $949 for the same period.

Cheapest Liability Coverage in New Canaan, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$303	$52
Kemper	$320	$54
Amica Mutual	$431	$73
Amica	$437	$73
Progressive	$454	$76
State Farm	$477	$80
Nationwide	$535	$90
Allstate	$623	$105
Hanover	$1240	$211
Travelers	$273	$46
Farmers	$949	$162

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 Kemper at $121 per month and $716 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Canaan, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$716	$121
Travelers	$739	$125
USAA	$867	$146
Amica Mutual	$966	$163
State Farm	$1158	$195
Progressive	$1287	$217
Allstate	$1392	$234
Nationwide	$1438	$242
Amica	$1531	$255
Farmers	$2049	$349
Hanover	$3289	$554

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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 $8120 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$361	$61
Amica Mutual	$448	$74
USAA	$1228	$207
Amica	$2172	$366
Allstate	$2404	$405
State Farm	$2573	$433
Progressive	$3639	$613
Nationwide	$5023	$846
Hanover	$7678	$1305
Farmers	$7771	$1296
Travelers	$8120	$1381

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 $414 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 $4814 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$414	$69
Amica Mutual	$757	$128
USAA	$1444	$241
Travelers	$1461	$249
Progressive	$1729	$291
Allstate	$1887	$318
Nationwide	$1980	$333
State Farm	$3358	$565
Farmers	$4127	$688
Amica	$4814	$818

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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 $507 and $530, respectively. Hanover is an expensive provider with an average six-month premium of $5873.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$507	$84
Kemper	$530	$89
State Farm	$826	$139
Travelers	$826	$140
USAA	$838	$141
Amica	$1485	$250
Progressive	$1764	$297
Nationwide	$2247	$378
Allstate	$4226	$705
Farmers	$4686	$797
Hanover	$5873	$979

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 $1857 for a six month policy. While the rate increases by $244 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	$1188	$198
One Med/PIP claim	$1188	$202
Not-at-fault accident	$1228	$205
Two Med/PIP claims	$1234	$210
One comp claim	$1251	$209
Two comp claims	$1327	$225
Driving without lights	$1380	$230
Failure to wear a seat belt	$1397	$237
Child safety restraint	$1414	$236
Failure to show documents	$1420	$241
Speeding 6 - 10 MPH over limit	$1432	$239
Driving with expired registration	$1438	$244
Speeding 11 - 15 MPH over limit	$1438	$240
Speeding 16 - 20 MPH over limit	$1438	$244
Cell phone violation	$1444	$241
Texting while driving	$1444	$245
Driving too slowly	$1449	$242
Failure to stop at a red light	$1449	$246
Failure to yield	$1449	$242
Following too closely	$1449	$246
Illegal turn	$1449	$242
Improper passing	$1455	$248
Wrong way/wrong lane	$1455	$243
Speeding in school zone	$1461	$249
Speeding 21 - 25 MPH over limit	$1479	$246
At-fault accident - less than $1000	$1496	$255
In 65 MPH zone	$1554	$259
Operating a vehicle without permission	$1606	$273
Open container	$1694	$282
At-fault accident - $1000-$2000	$1857	$316
At-fault accident - greater than $2000	$1857	$310
Passing school bus	$2172	$369
Reckless driving	$2859	$476
Racing	$2946	$501
Driving with a suspended license	$2968	$495
Refusal to submit to a chemical test	$2992	$509
DUI	$3045	$508
Leaving scene of an accident/hit and run	$3097	$526

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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 $646 for a six-month policy. However, it can be as expensive as $17248 with companies like Hanover.

New Canaan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$646	$109
Progressive	$1234	$208
USAA	$1240	$209
Travelers	$1275	$213
Allstate	$1584	$267
State Farm	$1612	$271
Amica Mutual	$2671	$450
Nationwide	$2974	$501
Farmers	$4907	$834
Amica	$5373	$896
Hanover	$17248	$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 New Canaan are offered by Kemper at $408. However, it can be as expensive as $4680 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in New Canaan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$408	$68
Amica Mutual	$495	$84
State Farm	$1002	$169
Travelers	$1002	$171
USAA	$1002	$167
Allstate	$1135	$191
Nationwide	$1414	$238
Progressive	$1525	$257
Amica	$1776	$296
Farmers	$2620	$446
Hanover	$4680	$780

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 $323 in January compared to $233 of December. In other words, there has been an increase by $90 when you compare January and December.

The average cost of liability insurance in the New Canaan dipped to $79 in January, compared to $84 in December. This represents an decrease of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in New Canaan?

The car insurance in New Canaan is $52 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 $121 per month for full coverage.

How much is car insurance in New Canaan for teenagers?

Car insurance for teenagers costs $361 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 $1431 for a six-month policy. It will cost around $236 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 Kemper, offering $716 for a six-month policy.