Cheapest Car Insurance Quotes in Plantsville

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Plantsville Car Insurance

^$ 51

/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 Plantsville

The car insurance rate in Plantsville is $1374 for a six-month policy, which is $57 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $702, making it a popular choice for budget-conscious drivers. Rates in Plantsville 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 Plantsville

$1374

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Plantsville

1st place: Kemper

At $702 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers 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 $850 for six months, making it the third cheapest auto insurance company in Plantsville.

Plantsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Plantsville, CT is Kemper, offering policies at just $702 for a six-month term. This is followed by Travelers, which has an average six-month premium of $724.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3222 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Plantsville drivers find the best deals.

Cheap Car Insurance Companies in Plantsville, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$702	$118
Travelers	$724	$123
USAA	$850	$143
Amica Mutual	$947	$159
State Farm	$1135	$191
Progressive	$1260	$212
Allstate	$1363	$229
Nationwide	$1408	$237
Amica	$1500	$250
Farmers	$2007	$342
Hanover	$3222	$542

Key Takeaways

Way's key takeaways about car insurance in Plantsville

The auto insurance costs in Plantsville fall around $702 for six months.
The cheapest auto insurance company in Plantsville is USAA.
Teen drivers pay the highest rate in Plantsville at $1353 per month.

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Cheapest Minimum Liability Car Insurance in Plantsville

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 Plantsville are given below.

USAA provides the cheapest minimum car insurance coverage in Plantsville. Their Average 6 Month Premium is $297. Farmers is the most expensive at $929 for the same period.

Cheapest Liability Coverage in Plantsville, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$297	$51
Kemper	$314	$53
Amica Mutual	$422	$71
Amica	$428	$71
Progressive	$444	$75
State Farm	$468	$79
Nationwide	$524	$88
Allstate	$611	$103
Hanover	$1214	$206
Travelers	$268	$45
Farmers	$929	$158

Cheapest Full Coverage Car Insurance in Plantsville

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 Plantsville is Kemper at $118 per month and $702 for six months.

Cheapest Full Coverage Car Insurance Quotes in Plantsville, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$702	$118
Travelers	$724	$123
USAA	$850	$143
Amica Mutual	$947	$159
State Farm	$1135	$191
Progressive	$1260	$212
Allstate	$1363	$229
Nationwide	$1408	$237
Amica	$1500	$250
Farmers	$2007	$342
Hanover	$3222	$542

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Average Car Insurance in Plantsville 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 Plantsville, CT increasing?

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

Car Insurance Premiums by Age in Plantsville

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 Plantsville,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Plantsville at $60 per month. At $7955 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$353	$60
Amica Mutual	$439	$73
USAA	$1203	$203
Amica	$2127	$358
Allstate	$2355	$396
State Farm	$2520	$424
Progressive	$3564	$600
Nationwide	$4921	$828
Hanover	$7522	$1279
Farmers	$7613	$1269
Travelers	$7955	$1353

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 Plantsville, Kemper is the cheapest car insurance provider. At $405 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 Plantsville is Amica, offering rates of around $4716 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$405	$67
Amica Mutual	$741	$126
USAA	$1414	$236
Travelers	$1431	$244
Progressive	$1693	$285
Allstate	$1848	$311
Nationwide	$1939	$326
State Farm	$3290	$554
Farmers	$4043	$674
Amica	$4716	$802

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Car Insurance Rates with An Accident in Plantsville

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

Cheapest Car Insurance Companies after an At-Fault Accident in Plantsville

The cheapest car insurance companies after an at-fault accident in Plantsville include Amica Mutual and Kemper, offering $496 and $519, respectively. Hanover is an expensive provider with an average six-month premium of $5753.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$496	$83
Kemper	$519	$87
State Farm	$809	$136
Travelers	$809	$137
USAA	$821	$138
Amica	$1454	$245
Progressive	$1728	$291
Nationwide	$2201	$371
Allstate	$4140	$690
Farmers	$4591	$780
Hanover	$5753	$959

Plantsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Plantsville CT. For example, the car insurance in Plantsville after a DUI increases to $1819 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Plantsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1164	$194
One Med/PIP claim	$1164	$198
Not-at-fault accident	$1203	$201
Two Med/PIP claims	$1209	$205
One comp claim	$1226	$204
Two comp claims	$1300	$221
Driving without lights	$1352	$226
Failure to wear a seat belt	$1369	$232
Child safety restraint	$1385	$231
Failure to show documents	$1391	$236
Speeding 6 - 10 MPH over limit	$1403	$234
Driving with expired registration	$1408	$239
Speeding 11 - 15 MPH over limit	$1408	$235
Speeding 16 - 20 MPH over limit	$1408	$239
Cell phone violation	$1414	$236
Texting while driving	$1414	$240
Driving too slowly	$1420	$237
Failure to stop at a red light	$1420	$241
Failure to yield	$1420	$237
Following too closely	$1420	$241
Illegal turn	$1420	$237
Improper passing	$1426	$243
Wrong way/wrong lane	$1426	$238
Speeding in school zone	$1431	$244
Speeding 21 - 25 MPH over limit	$1449	$241
At-fault accident - less than $1000	$1466	$250
In 65 MPH zone	$1523	$253
Operating a vehicle without permission	$1573	$268
Open container	$1660	$276
At-fault accident - $1000-$2000	$1819	$309
At-fault accident - greater than $2000	$1819	$303
Passing school bus	$2127	$362
Reckless driving	$2800	$467
Racing	$2886	$491
Driving with a suspended license	$2908	$485
Refusal to submit to a chemical test	$2931	$498
DUI	$2983	$497
Leaving scene of an accident/hit and run	$3034	$516

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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 Plantsville 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 Plantsville.

The cheapest car insurance premiums in Plantsville are offered by Kemper at $633 for a six-month policy. However, it can be as expensive as $16896 with companies like Hanover.

Plantsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$633	$107
Progressive	$1209	$204
USAA	$1214	$204
Travelers	$1249	$208
Allstate	$1551	$261
State Farm	$1579	$266
Amica Mutual	$2617	$441
Nationwide	$2914	$491
Farmers	$4807	$817
Amica	$5264	$877
Hanover	$16896	$2873

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 Plantsville are offered by Kemper at $399. However, it can be as expensive as $4585 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Plantsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$399	$66
Amica Mutual	$485	$83
State Farm	$981	$165
Travelers	$981	$167
USAA	$981	$163
Allstate	$1112	$187
Nationwide	$1385	$233
Progressive	$1494	$252
Amica	$1740	$290
Farmers	$2566	$437
Hanover	$4585	$764

Car Insurance Price Trends in Plantsville, Connecticut

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

The average cost of full coverage in the Plantsville rose by $317 in January compared to $228 of December. In other words, there has been an increase by $89 when you compare January and December.

The average cost of liability insurance in the Plantsville dipped to $78 in January, compared to $83 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 Plantsville?

The car insurance in Plantsville is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Plantsville?

The cheapest car insurance in Plantsville is $118 per month for full coverage.

How much is car insurance in Plantsville for teenagers?

Car insurance for teenagers costs $353 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 Plantsville?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $231 per month to insure your car in Plantsville.

Is car insurance expensive in Plantsville?

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

What is the best car insurance in Plantsville, CT?

The best car insurance company in Plantsville CT is Kemper, offering $702 for a six-month policy.