Cheapest Car Insurance Quotes in Quinebaug

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Quinebaug Car Insurance

^$ 46

/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 Quinebaug

The car insurance rate in Quinebaug is $1195 for a six-month policy, which is $24 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $576, making it a popular choice for budget-conscious drivers. Rates in Quinebaug 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 Quinebaug

$1195

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Quinebaug

1st place: Travelers

At $576 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $716 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $832 for six months, making it the third cheapest auto insurance company in Quinebaug.

Quinebaug Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Quinebaug, CT is Travelers, offering policies at just $576 for a six-month term. This is followed by Kemper, which has an average six-month premium of $716.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2835 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Quinebaug drivers find the best deals.

Cheap Car Insurance Companies in Quinebaug, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$576	$98
Kemper	$716	$121
USAA	$832	$140
State Farm	$937	$158
Amica Mutual	$966	$163
Progressive	$1071	$180
Nationwide	$1112	$187
Amica	$1257	$210
Allstate	$1368	$230
Farmers	$1473	$245
Hanover	$2835	$482

Key Takeaways

Way's key takeaways about car insurance in Quinebaug

The auto insurance costs in Quinebaug fall around $576 for six months.
The cheapest auto insurance company in Quinebaug is Travelers.
Teen drivers pay the highest rate in Quinebaug at $1077 per month.

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Cheapest Minimum Liability Car Insurance in Quinebaug

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 Quinebaug are given below.

Travelers provides the cheapest minimum car insurance coverage in Quinebaug. Their Average 6 Month Premium is $273. Hanover is the most expensive at $1240 for the same period.

Cheapest Liability Coverage in Quinebaug, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$273	$46
Kemper	$320	$54
USAA	$320	$54
Amica Mutual	$431	$73
State Farm	$454	$76
Amica	$495	$83
Nationwide	$535	$90
Progressive	$535	$90
Allstate	$681	$115
Farmers	$949	$162
Hanover	$1240	$207

Cheapest Full Coverage Car Insurance in Quinebaug

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 Quinebaug is Travelers at $98 per month and $576 for six months.

Cheapest Full Coverage Car Insurance Quotes in Quinebaug, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$576	$98
Kemper	$716	$121
USAA	$832	$140
State Farm	$937	$158
Amica Mutual	$966	$163
Progressive	$1071	$180
Nationwide	$1112	$187
Amica	$1257	$210
Allstate	$1368	$230
Farmers	$1473	$245
Hanover	$2835	$482

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Average Car Insurance in Quinebaug 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 Quinebaug, CT increasing?

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

Car Insurance Premiums by Age in Quinebaug

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 Quinebaug,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Quinebaug at $61 per month. At $6461 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
Nationwide	$483	$82
USAA	$1141	$192
State Farm	$1479	$249
Amica	$1810	$305
Allstate	$2323	$391
Progressive	$3237	$545
Farmers	$5676	$965
Travelers	$6461	$1077

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 Quinebaug, 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 Quinebaug is Amica, offering rates of around $3935 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$414	$71
Nationwide	$547	$91
Amica Mutual	$757	$128
Travelers	$1129	$188
Progressive	$1269	$214
USAA	$1321	$221
Allstate	$1804	$304
State Farm	$1962	$330
Farmers	$2952	$502
Amica	$3935	$656

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Car Insurance Rates with An Accident in Quinebaug

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

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

The cheapest car insurance companies after an at-fault accident in Quinebaug include Amica Mutual and Kemper, offering $507 and $530, respectively. Farmers is an expensive provider with an average six-month premium of $3348.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$507	$84
Kemper	$530	$89
State Farm	$606	$102
Nationwide	$634	$108
Travelers	$646	$108
USAA	$786	$132
Progressive	$1251	$211
Amica	$1269	$214
Allstate	$3085	$515
Farmers	$3348	$569

Quinebaug Car Insurance Rates by Violation

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

Quinebaug 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 Quinebaug 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 Quinebaug.

The cheapest car insurance premiums in Quinebaug are offered by Kemper at $646 for a six-month policy. However, it can be as expensive as $17248 with companies like Hanover.

Quinebaug car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$646	$109
Travelers	$996	$170
Progressive	$1048	$176
USAA	$1164	$196
State Farm	$1310	$221
Allstate	$1554	$262
Nationwide	$1822	$307
Amica Mutual	$2671	$450
Farmers	$3556	$593
Amica	$4366	$743
Hanover	$17248	$2874

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 Quinebaug are offered by Nationwide at $402. However, it can be as expensive as $1881 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Quinebaug after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$402	$69
Kemper	$408	$68
Amica Mutual	$495	$84
State Farm	$634	$107
Travelers	$774	$131
USAA	$920	$153
Allstate	$1095	$184
Progressive	$1123	$189
Amica	$1455	$248
Farmers	$1881	$314

Car Insurance Price Trends in Quinebaug, Connecticut

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

The average cost of full coverage in the Quinebaug rose by $233 in December compared to $229 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 Quinebaug rose to $84 in December, compared to $81 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Quinebaug?

The car insurance in Quinebaug is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Quinebaug?

The cheapest car insurance in Quinebaug is $98 per month for full coverage.

How much is car insurance in Quinebaug 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 Quinebaug?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $201 per month to insure your car in Quinebaug.

Is car insurance expensive in Quinebaug?

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

What is the best car insurance in Quinebaug, CT?

The best car insurance company in Quinebaug CT is Travelers, offering $576 for a six-month policy.