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Oneco Car Insurance
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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.
The car insurance rate in Oneco is $1256 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $606, making it a popular choice for budget-conscious drivers. Rates in Oneco 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.
At $606 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.
Kemper offers auto insurance rates at $753 for a six-month policy, making it one of the cheapest to insure with.
USAA offers auto insurance rates at $874 for six months, making it the third cheapest auto insurance company in Oneco.
Based on our research, the cheapest car insurance company in Oneco, CT is Travelers, offering policies at just $606 for a six-month term. This is followed by Kemper, which has an average six-month premium of $753.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2980 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oneco drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $606 | $103 |
| Kemper | $753 | $127 |
| USAA | $874 | $147 |
| State Farm | $985 | $166 |
| Amica Mutual | $1016 | $171 |
| Progressive | $1126 | $190 |
| Nationwide | $1169 | $197 |
| Amica | $1321 | $220 |
| Allstate | $1438 | $242 |
| Farmers | $1548 | $258 |
| Hanover | $2980 | $507 |
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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 Oneco are given below.
Travelers provides the cheapest minimum car insurance coverage in Oneco. Their Average 6 Month Premium is $287. Hanover is the most expensive at $1303 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $287 | $48 |
| Kemper | $337 | $57 |
| USAA | $337 | $57 |
| Amica Mutual | $453 | $76 |
| State Farm | $477 | $80 |
| Amica | $520 | $88 |
| Nationwide | $562 | $95 |
| Progressive | $562 | $95 |
| Allstate | $716 | $121 |
| Farmers | $997 | $170 |
| Hanover | $1303 | $217 |
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 Oneco is Travelers at $103 per month and $606 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $606 | $103 |
| Kemper | $753 | $127 |
| USAA | $874 | $147 |
| State Farm | $985 | $166 |
| Amica Mutual | $1016 | $171 |
| Progressive | $1126 | $190 |
| Nationwide | $1169 | $197 |
| Amica | $1321 | $220 |
| Allstate | $1438 | $242 |
| Farmers | $1548 | $258 |
| Hanover | $2980 | $507 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Oneco, 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, Oneco's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Oneco at $64 per month. At $6791 for a six-month premium, Travelers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $379 | $64 |
| Amica Mutual | $471 | $78 |
| Nationwide | $508 | $87 |
| USAA | $1199 | $202 |
| State Farm | $1554 | $262 |
| Amica | $1902 | $320 |
| Allstate | $2441 | $411 |
| Progressive | $3402 | $573 |
| Farmers | $5966 | $1015 |
| Travelers | $6791 | $1132 |
Teen Car Insurance Rates in CT by Age
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.
For those with poor credit scores in Oneco, Kemper is the cheapest car insurance provider. At $435 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 Oneco is Amica, offering rates of around $4135 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $435 | $74 |
| Nationwide | $575 | $96 |
| Amica Mutual | $795 | $135 |
| Travelers | $1187 | $198 |
| Progressive | $1334 | $225 |
| USAA | $1388 | $232 |
| Allstate | $1896 | $319 |
| State Farm | $2062 | $347 |
| Farmers | $3102 | $527 |
| Amica | $4135 | $689 |
Save up to $971/yr on car insurance rates in Oneco.
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 Oneco, CT, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Oneco include Amica Mutual and Kemper, offering $533 and $557, respectively. Farmers is an expensive provider with an average six-month premium of $3518.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Amica Mutual | $533 | $89 |
| Kemper | $557 | $94 |
| State Farm | $637 | $107 |
| Nationwide | $666 | $113 |
| Travelers | $679 | $113 |
| USAA | $826 | $139 |
| Progressive | $1315 | $221 |
| Amica | $1334 | $225 |
| Allstate | $3242 | $541 |
| Farmers | $3518 | $598 |
Here is a list of driving violations that can increase your car insurance rates in Oneco CT. For example, the car insurance in Oneco after a DUI increases to $1952 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1248 | $208 |
| One Med/PIP claim | $1248 | $212 |
| Not-at-fault accident | $1291 | $215 |
| Two Med/PIP claims | $1297 | $220 |
| One comp claim | $1315 | $219 |
| Two comp claims | $1395 | $237 |
| Driving without lights | $1450 | $242 |
| Failure to wear a seat belt | $1469 | $249 |
| Child safety restraint | $1486 | $248 |
| Failure to show documents | $1492 | $253 |
| Speeding 6 - 10 MPH over limit | $1505 | $251 |
| Driving with expired registration | $1511 | $256 |
| Speeding 11 - 15 MPH over limit | $1511 | $252 |
| Speeding 16 - 20 MPH over limit | $1511 | $256 |
| Cell phone violation | $1517 | $253 |
| Texting while driving | $1517 | $258 |
| Driving too slowly | $1523 | $254 |
| Failure to stop at a red light | $1523 | $259 |
| Failure to yield | $1523 | $254 |
| Following too closely | $1523 | $259 |
| Illegal turn | $1523 | $254 |
| Improper passing | $1530 | $261 |
| Wrong way/wrong lane | $1530 | $255 |
| Speeding in school zone | $1536 | $262 |
| Speeding 21 - 25 MPH over limit | $1554 | $259 |
| At-fault accident - less than $1000 | $1573 | $268 |
| In 65 MPH zone | $1634 | $272 |
| Operating a vehicle without permission | $1688 | $287 |
| Open container | $1781 | $297 |
| At-fault accident - $1000-$2000 | $1952 | $332 |
| At-fault accident - greater than $2000 | $1952 | $325 |
| Passing school bus | $2282 | $388 |
| Reckless driving | $3005 | $501 |
| Racing | $3096 | $526 |
| Driving with a suspended license | $3120 | $520 |
| Refusal to submit to a chemical test | $3145 | $535 |
| DUI | $3200 | $534 |
| Leaving scene of an accident/hit and run | $3255 | $553 |
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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.
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 Oneco.
The cheapest car insurance premiums in Oneco are offered by Kemper at $679 for a six-month policy. However, it can be as expensive as $18128 with companies like Hanover.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $679 | $114 |
| Travelers | $1046 | $178 |
| Progressive | $1101 | $185 |
| USAA | $1224 | $206 |
| State Farm | $1377 | $232 |
| Allstate | $1634 | $275 |
| Nationwide | $1915 | $322 |
| Amica Mutual | $2808 | $473 |
| Farmers | $3738 | $623 |
| Amica | $4589 | $781 |
| Hanover | $18128 | $3021 |
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 Oneco are offered by Nationwide at $422. However, it can be as expensive as $1977 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $422 | $72 |
| Kemper | $428 | $71 |
| Amica Mutual | $520 | $89 |
| State Farm | $666 | $112 |
| Travelers | $814 | $138 |
| USAA | $967 | $161 |
| Allstate | $1151 | $194 |
| Progressive | $1180 | $199 |
| Amica | $1530 | $261 |
| Farmers | $1977 | $330 |
Car insurance rates in Oneco have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Oneco rose by $245 in December compared to $241 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 Oneco rose to $89 in December, compared to $85 in November. This represents an increase of $4 when comparing December and November.
How much is car insurance in Oneco?
The car insurance in Oneco is $48 per month, which is lower than the national average.
What is the cheapest car insurance in Oneco?
The cheapest car insurance in Oneco is $103 per month for full coverage.
How much is car insurance in Oneco for teenagers?
Car insurance for teenagers costs $379 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 Oneco?
The average cost of car insurance is $1219 for a six-month policy. It will cost around $211 per month to insure your car in Oneco.
Is car insurance expensive in Oneco?
Car insurance can be expensive in Oneco if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Oneco can be affordable.
What is the best car insurance in Oneco, CT?
The best car insurance company in Oneco CT is Travelers, offering $606 for a six-month policy.
Cut auto insurance costs in Oneco right now.