Cheapest Car Insurance Quotes in Simsbury Center

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Simsbury Center Car Insurance

^$ 44

/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 Simsbury Center

The car insurance rate in Simsbury Center is $1146 for a six-month policy, which is $73 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $553, making it a popular choice for budget-conscious drivers. Rates in Simsbury Center 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 Simsbury Center

$1146

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Simsbury Center

1st place: Travelers

At $553 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $687 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $798 for six months, making it the third cheapest auto insurance company in Simsbury Center.

Simsbury Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Simsbury Center, CT is Travelers, offering policies at just $553 for a six-month term. This is followed by Kemper, which has an average six-month premium of $687.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2719 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Simsbury Center drivers find the best deals.

Cheap Car Insurance Companies in Simsbury Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$553	$94
Kemper	$687	$116
USAA	$798	$134
State Farm	$899	$151
Amica Mutual	$927	$156
Progressive	$1027	$173
Nationwide	$1067	$180
Amica	$1206	$201
Allstate	$1312	$221
Farmers	$1413	$235
Hanover	$2719	$462

Key Takeaways

Way's key takeaways about car insurance in Simsbury Center

The auto insurance costs in Simsbury Center fall around $553 for six months.
The cheapest auto insurance company in Simsbury Center is Travelers.
Teen drivers pay the highest rate in Simsbury Center at $1033 per month.

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Cheapest Minimum Liability Car Insurance in Simsbury Center

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 Simsbury Center are given below.

Travelers provides the cheapest minimum car insurance coverage in Simsbury Center. Their Average 6 Month Premium is $262. Hanover is the most expensive at $1189 for the same period.

Cheapest Liability Coverage in Simsbury Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$262	$44
Kemper	$307	$52
USAA	$307	$52
Amica Mutual	$414	$70
State Farm	$435	$73
Amica	$475	$80
Nationwide	$513	$86
Progressive	$513	$86
Allstate	$653	$110
Farmers	$910	$155
Hanover	$1189	$198

Cheapest Full Coverage Car Insurance in Simsbury Center

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 Simsbury Center is Travelers at $94 per month and $553 for six months.

Cheapest Full Coverage Car Insurance Quotes in Simsbury Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$553	$94
Kemper	$687	$116
USAA	$798	$134
State Farm	$899	$151
Amica Mutual	$927	$156
Progressive	$1027	$173
Nationwide	$1067	$180
Amica	$1206	$201
Allstate	$1312	$221
Farmers	$1413	$235
Hanover	$2719	$462

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Average Car Insurance in Simsbury Center 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 Simsbury Center, CT increasing?

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

Car Insurance Premiums by Age in Simsbury Center

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 Simsbury Center,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Simsbury Center at $58 per month. At $6197 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$346	$58
Amica Mutual	$430	$71
Nationwide	$463	$79
USAA	$1094	$184
State Farm	$1418	$239
Amica	$1736	$292
Allstate	$2228	$375
Progressive	$3105	$523
Farmers	$5444	$926
Travelers	$6197	$1033

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 Simsbury Center, Kemper is the cheapest car insurance provider. At $397 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 Simsbury Center is Amica, offering rates of around $3774 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$68
Nationwide	$525	$87
Amica Mutual	$726	$123
Travelers	$1083	$180
Progressive	$1217	$205
USAA	$1267	$212
Allstate	$1731	$291
State Farm	$1882	$317
Farmers	$2831	$481
Amica	$3774	$629

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Car Insurance Rates with An Accident in Simsbury Center

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

Cheapest Car Insurance Companies after an At-Fault Accident in Simsbury Center

The cheapest car insurance companies after an at-fault accident in Simsbury Center include Amica Mutual and Kemper, offering $486 and $509, respectively. Farmers is an expensive provider with an average six-month premium of $3211.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$486	$81
Kemper	$509	$86
State Farm	$581	$98
Nationwide	$608	$103
Travelers	$619	$103
USAA	$754	$127
Progressive	$1200	$202
Amica	$1217	$205
Allstate	$2959	$494
Farmers	$3211	$546

Simsbury Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Simsbury Center CT. For example, the car insurance in Simsbury Center after a DUI increases to $1782 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

Simsbury Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1139	$190
One Med/PIP claim	$1139	$194
Not-at-fault accident	$1178	$196
Two Med/PIP claims	$1183	$201
One comp claim	$1200	$200
Two comp claims	$1273	$216
Driving without lights	$1324	$221
Failure to wear a seat belt	$1340	$227
Child safety restraint	$1356	$227
Failure to show documents	$1362	$231
Speeding 6 - 10 MPH over limit	$1373	$229
Driving with expired registration	$1379	$234
Speeding 11 - 15 MPH over limit	$1379	$230
Speeding 16 - 20 MPH over limit	$1379	$234
Cell phone violation	$1385	$231
Texting while driving	$1385	$235
Driving too slowly	$1390	$232
Failure to stop at a red light	$1390	$236
Failure to yield	$1390	$232
Following too closely	$1390	$236
Illegal turn	$1390	$232
Improper passing	$1396	$238
Wrong way/wrong lane	$1396	$233
Speeding in school zone	$1402	$239
Speeding 21 - 25 MPH over limit	$1418	$236
At-fault accident - less than $1000	$1435	$244
In 65 MPH zone	$1491	$248
Operating a vehicle without permission	$1541	$262
Open container	$1625	$271
At-fault accident - $1000-$2000	$1781	$303
At-fault accident - greater than $2000	$1781	$297
Passing school bus	$2083	$354
Reckless driving	$2742	$457
Racing	$2826	$480
Driving with a suspended license	$2847	$475
Refusal to submit to a chemical test	$2870	$488
DUI	$2921	$487
Leaving scene of an accident/hit and run	$2970	$505

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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 Simsbury Center 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 Simsbury Center.

The cheapest car insurance premiums in Simsbury Center are offered by Kemper at $619 for a six-month policy. However, it can be as expensive as $16544 with companies like Hanover.

Simsbury Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$619	$104
Travelers	$955	$163
Progressive	$1005	$169
USAA	$1117	$188
State Farm	$1257	$212
Allstate	$1491	$251
Nationwide	$1747	$294
Amica Mutual	$2562	$431
Farmers	$3411	$569
Amica	$4188	$713
Hanover	$16544	$2757

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 Simsbury Center are offered by Nationwide at $385. However, it can be as expensive as $1804 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Simsbury Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$385	$66
Kemper	$391	$65
Amica Mutual	$475	$81
State Farm	$608	$102
Travelers	$743	$126
USAA	$883	$147
Allstate	$1050	$177
Progressive	$1077	$181
Amica	$1396	$238
Farmers	$1804	$301

Car Insurance Price Trends in Simsbury Center, Connecticut

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

The average cost of full coverage in the Simsbury Center rose by $224 in December compared to $220 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 Simsbury Center rose to $81 in December, compared to $78 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 Simsbury Center?

The car insurance in Simsbury Center is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Simsbury Center?

The cheapest car insurance in Simsbury Center is $94 per month for full coverage.

How much is car insurance in Simsbury Center for teenagers?

Car insurance for teenagers costs $346 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 Simsbury Center?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $193 per month to insure your car in Simsbury Center.

Is car insurance expensive in Simsbury Center?

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

What is the best car insurance in Simsbury Center, CT?

The best car insurance company in Simsbury Center CT is Travelers, offering $553 for a six-month policy.