Cheapest Car Insurance Quotes in Old Mystic

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Old Mystic 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 Old Mystic

The car insurance rate in Old Mystic is $1274 for a six-month policy, which is $157 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $651, making it a popular choice for budget-conscious drivers. Rates in Old Mystic 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 Old Mystic

$1274

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Old Mystic

1st place: Kemper

At $651 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $671 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $788 for six months, making it the third cheapest auto insurance company in Old Mystic.

Old Mystic Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Old Mystic, CT is Kemper, offering policies at just $651 for a six-month term. This is followed by Travelers, which has an average six-month premium of $671.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2987 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Old Mystic drivers find the best deals.

Cheap Car Insurance Companies in Old Mystic, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$651	$109
Travelers	$671	$114
USAA	$788	$133
Amica Mutual	$878	$148
State Farm	$1052	$177
Progressive	$1169	$197
Allstate	$1264	$213
Nationwide	$1306	$220
Amica	$1390	$231
Farmers	$1861	$317
Hanover	$2987	$503

Key Takeaways

Way's key takeaways about car insurance in Old Mystic

The auto insurance costs in Old Mystic fall around $651 for six months.
The cheapest auto insurance company in Old Mystic is USAA.
Teen drivers pay the highest rate in Old Mystic at $1254 per month.

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Cheapest Minimum Liability Car Insurance in Old Mystic

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 Old Mystic are given below.

USAA provides the cheapest minimum car insurance coverage in Old Mystic. Their Average 6 Month Premium is $275. Farmers is the most expensive at $862 for the same period.

Cheapest Liability Coverage in Old Mystic, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$275	$47
Kemper	$291	$49
Amica Mutual	$392	$66
Amica	$397	$66
Progressive	$412	$69
State Farm	$433	$73
Nationwide	$486	$82
Allstate	$566	$95
Hanover	$1126	$191
Travelers	$248	$42
Farmers	$862	$147

Cheapest Full Coverage Car Insurance in Old Mystic

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 Old Mystic is Kemper at $109 per month and $651 for six months.

Cheapest Full Coverage Car Insurance Quotes in Old Mystic, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$651	$109
Travelers	$671	$114
USAA	$788	$133
Amica Mutual	$878	$148
State Farm	$1052	$177
Progressive	$1169	$197
Allstate	$1264	$213
Nationwide	$1306	$220
Amica	$1390	$231
Farmers	$1861	$317
Hanover	$2987	$503

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Average Car Insurance in Old Mystic 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 Old Mystic, CT increasing?

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

Car Insurance Premiums by Age in Old Mystic

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 Old Mystic,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Old Mystic at $55 per month. At $7375 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
USAA	$1115	$188
Amica	$1972	$332
Allstate	$2183	$368
State Farm	$2336	$393
Progressive	$3305	$556
Nationwide	$4562	$768
Hanover	$6973	$1185
Farmers	$7058	$1177
Travelers	$7375	$1254

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 Old Mystic, 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 Old Mystic is Amica, offering rates of around $4372 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$376	$62
Amica Mutual	$687	$117
USAA	$1311	$219
Travelers	$1327	$226
Progressive	$1570	$264
Allstate	$1713	$288
Nationwide	$1798	$303
State Farm	$3050	$514
Farmers	$3748	$625
Amica	$4372	$743

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Car Insurance Rates with An Accident in Old Mystic

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

Cheapest Car Insurance Companies after an At-Fault Accident in Old Mystic

The cheapest car insurance companies after an at-fault accident in Old Mystic include Amica Mutual and Kemper, offering $460 and $481, respectively. Hanover is an expensive provider with an average six-month premium of $5334.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$460	$77
Kemper	$481	$81
State Farm	$750	$126
Travelers	$750	$127
USAA	$761	$128
Amica	$1348	$227
Progressive	$1602	$270
Nationwide	$2041	$344
Allstate	$3838	$640
Farmers	$4256	$724
Hanover	$5334	$889

Old Mystic Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Old Mystic CT. For example, the car insurance in Old Mystic 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.

Old Mystic 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 Old Mystic 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 Old Mystic.

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

Old Mystic car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$587	$99
Progressive	$1121	$189
USAA	$1126	$190
Travelers	$1158	$193
Allstate	$1438	$242
State Farm	$1464	$247
Amica Mutual	$2426	$409
Nationwide	$2701	$455
Farmers	$4456	$757
Amica	$4880	$813
Hanover	$15664	$2664

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 Old Mystic are offered by Kemper at $370. However, it can be as expensive as $4251 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Old Mystic after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$370	$61
Amica Mutual	$449	$77
State Farm	$910	$153
Travelers	$910	$155
USAA	$910	$151
Allstate	$1031	$174
Nationwide	$1284	$216
Progressive	$1385	$233
Amica	$1613	$269
Farmers	$2379	$405
Hanover	$4251	$708

Car Insurance Price Trends in Old Mystic, Connecticut

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

The average cost of full coverage in the Old Mystic rose by $294 in January compared to $212 of December. In other words, there has been an increase by $82 when you compare January and December.

The average cost of liability insurance in the Old Mystic dipped to $72 in January, compared to $77 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 Old Mystic?

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

What is the cheapest car insurance in Old Mystic?

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

How much is car insurance in Old Mystic 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 Old Mystic?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $214 per month to insure your car in Old Mystic.

Is car insurance expensive in Old Mystic?

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

What is the best car insurance in Old Mystic, CT?

The best car insurance company in Old Mystic CT is Kemper, offering $651 for a six-month policy.