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Finding the cheapest car insurance quotes in Plainville shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Plainville
The car insurance rate in Plainville 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 Plainville 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 $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 Plainville.
Plainville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Plainville, 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 Plainville drivers find the best deals.
Way's key takeaways about car insurance in Plainville
The auto insurance costs in Plainville fall around $582 for six
months.
The cheapest auto insurance company in Plainville is Travelers.
Teen drivers pay the highest rate in Plainville at $1088 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Plainville
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 Plainville are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Plainville. Their Average 6 Month Premium is $276.
Hanover is the most
expensive at $1252 for the same
period.
Cheapest Full Coverage Car Insurance in Plainville
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 Plainville is Travelers
at $99 per month and $582
for six months.
Cheapest Full Coverage Car Insurance Quotes in Plainville,
CT
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Average Car Insurance in Plainville 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 Plainville, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Plainville, 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, Plainville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Plainville
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Plainville,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Plainville at $61
per
month. At $6527 for a six-month premium,
Travelers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Plainville.
As young drivers face the highest rates in Plainville, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Plainville,
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
Plainville is Amica, offering
rates of around $3975 for six
months.
Save up to $971/yr on car insurance rates in Plainville.
Car Insurance Rates with An Accident in Plainville
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 Plainville, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Plainville
The cheapest car insurance companies after an at-fault accident in
Plainville include Amica Mutual
and Kemper, offering $512
and $536,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3382.
Here is a list of driving violations that can increase your car
insurance rates in Plainville CT. For example, the car
insurance in Plainville
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.
Plainville 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 Plainville 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 Plainville.
The cheapest car insurance premiums in
Plainville are
offered by Kemper at $652 for a six-month policy.
However, it can be as
expensive as $17424 with companies
like Hanover.
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 Plainville 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 Plainville after Speeding ticket
Car Insurance Price Trends in Plainville,
Connecticut
Car insurance rates in Plainville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Plainville 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 Plainville rose to $85 in December,
compared to $82 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Plainville by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Plainville. At $2413 for a
six-month policy, insuring
your car at 6062 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Plainville?
The car insurance in Plainville is $47 per month, which is lower than the national average.
What is the cheapest car insurance in Plainville?
The cheapest car insurance in Plainville
is $99 per month
for full coverage.
How much is car insurance in Plainville 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
Plainville?
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 Plainville.
Is car insurance expensive in Plainville?
Car insurance can be expensive in Plainville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Plainville can be
affordable.
What is the best car insurance in Plainville,
CT?
The best car insurance company in Plainville
CT is
Travelers, offering $582 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Plainville, CT
Car Insurance Rates by State in the USA (2025 Update)
Plainville Car Insurance
