Cheapest Car Insurance Quotes in Simsbury Center

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Simsbury Center Car Insurance

^$ 49

/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 $1331 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $680, 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

$1331

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Simsbury Center

1st place: Kemper

At $680 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $701 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $823 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 Kemper, offering policies at just $680 for a six-month term. This is followed by Travelers, which has an average six-month premium of $701.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3121 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
Kemper	$680	$114
Travelers	$701	$119
USAA	$823	$139
Amica Mutual	$917	$154
State Farm	$1099	$185
Progressive	$1221	$206
Allstate	$1321	$222
Nationwide	$1364	$230
Amica	$1453	$242
Farmers	$1945	$331
Hanover	$3121	$525

Key Takeaways

Way's key takeaways about car insurance in Simsbury Center

The auto insurance costs in Simsbury Center fall around $680 for six months.
The cheapest auto insurance company in Simsbury Center is USAA.
Teen drivers pay the highest rate in Simsbury Center at $1310 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.

USAA provides the cheapest minimum car insurance coverage in Simsbury Center. Their Average 6 Month Premium is $287. Farmers is the most expensive at $900 for the same period.

Cheapest Liability Coverage in Simsbury Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$287	$49
Kemper	$304	$51
Amica Mutual	$409	$69
Amica	$415	$69
Progressive	$431	$73
State Farm	$453	$76
Nationwide	$508	$86
Allstate	$591	$100
Hanover	$1176	$200
Travelers	$259	$44
Farmers	$900	$153

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 Kemper at $114 per month and $680 for six months.

Cheapest Full Coverage Car Insurance Quotes in Simsbury Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$680	$114
Travelers	$701	$119
USAA	$823	$139
Amica Mutual	$917	$154
State Farm	$1099	$185
Progressive	$1221	$206
Allstate	$1321	$222
Nationwide	$1364	$230
Amica	$1453	$242
Farmers	$1945	$331
Hanover	$3121	$525

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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 $7706 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$342	$58
Amica Mutual	$425	$71
USAA	$1165	$196
Amica	$2061	$347
Allstate	$2281	$384
State Farm	$2441	$411
Progressive	$3453	$581
Nationwide	$4767	$803
Hanover	$7287	$1239
Farmers	$7375	$1229
Travelers	$7706	$1310

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 $392 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 $4568 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$392	$65
Amica Mutual	$718	$122
USAA	$1370	$229
Travelers	$1387	$236
Progressive	$1641	$276
Allstate	$1790	$301
Nationwide	$1879	$316
State Farm	$3187	$537
Farmers	$3916	$653
Amica	$4568	$777

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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 $481 and $503, respectively. Hanover is an expensive provider with an average six-month premium of $5573.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$481	$80
Kemper	$503	$85
State Farm	$784	$132
Travelers	$784	$133
USAA	$795	$134
Amica	$1409	$237
Progressive	$1674	$282
Nationwide	$2132	$359
Allstate	$4010	$669
Farmers	$4447	$756
Hanover	$5573	$929

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 $1763 for a six month policy. While the rate increases by $232 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	$1127	$188
One Med/PIP claim	$1127	$192
Not-at-fault accident	$1165	$194
Two Med/PIP claims	$1171	$199
One comp claim	$1188	$198
Two comp claims	$1259	$214
Driving without lights	$1309	$219
Failure to wear a seat belt	$1326	$225
Child safety restraint	$1342	$224
Failure to show documents	$1348	$229
Speeding 6 - 10 MPH over limit	$1359	$227
Driving with expired registration	$1364	$232
Speeding 11 - 15 MPH over limit	$1364	$228
Speeding 16 - 20 MPH over limit	$1364	$232
Cell phone violation	$1370	$229
Texting while driving	$1370	$233
Driving too slowly	$1375	$230
Failure to stop at a red light	$1375	$233
Failure to yield	$1375	$230
Following too closely	$1375	$233
Illegal turn	$1375	$230
Improper passing	$1381	$235
Wrong way/wrong lane	$1381	$231
Speeding in school zone	$1387	$236
Speeding 21 - 25 MPH over limit	$1403	$233
At-fault accident - less than $1000	$1420	$242
In 65 MPH zone	$1475	$246
Operating a vehicle without permission	$1524	$259
Open container	$1608	$268
At-fault accident - $1000-$2000	$1762	$299
At-fault accident - greater than $2000	$1762	$294
Passing school bus	$2061	$351
Reckless driving	$2713	$452
Racing	$2796	$475
Driving with a suspended license	$2817	$470
Refusal to submit to a chemical test	$2839	$483
DUI	$2890	$482
Leaving scene of an accident/hit and run	$2939	$499

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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 $613 for a six-month policy. However, it can be as expensive as $16368 with companies like Hanover.

Simsbury Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$613	$103
Progressive	$1171	$197
USAA	$1176	$198
Travelers	$1210	$202
Allstate	$1503	$253
State Farm	$1530	$258
Amica Mutual	$2535	$427
Nationwide	$2823	$475
Farmers	$4657	$791
Amica	$5099	$850
Hanover	$16368	$2783

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 Kemper at $387. However, it can be as expensive as $4442 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Simsbury Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$387	$64
Amica Mutual	$470	$80
State Farm	$950	$160
Travelers	$950	$162
USAA	$950	$158
Allstate	$1077	$181
Nationwide	$1342	$226
Progressive	$1447	$244
Amica	$1685	$281
Farmers	$2486	$423
Hanover	$4442	$740

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 $307 in January compared to $221 of December. In other words, there has been an increase by $86 when you compare January and December.

The average cost of liability insurance in the Simsbury Center dipped to $75 in January, compared to $80 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 Simsbury Center?

The car insurance in Simsbury Center is $49 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 $114 per month for full coverage.

How much is car insurance in Simsbury Center for teenagers?

Car insurance for teenagers costs $342 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 $1431 for a six-month policy. It will cost around $224 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 Kemper, offering $680 for a six-month policy.