Cheapest Car Insurance Quotes in South Windham

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South Windham Car Insurance

^$ 45

/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 South Windham

The car insurance rate in South Windham is $1170 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $564, making it a popular choice for budget-conscious drivers. Rates in South Windham 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 South Windham

$1170

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in South Windham

1st place: Travelers

At $564 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $702 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $815 for six months, making it the third cheapest auto insurance company in South Windham.

South Windham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Windham, CT is Travelers, offering policies at just $564 for a six-month term. This is followed by Kemper, which has an average six-month premium of $702.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2777 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Windham drivers find the best deals.

Cheap Car Insurance Companies in South Windham, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$564	$96
Kemper	$702	$118
USAA	$815	$137
State Farm	$918	$155
Amica Mutual	$947	$159
Progressive	$1049	$177
Nationwide	$1090	$183
Amica	$1232	$205
Allstate	$1340	$226
Farmers	$1443	$240
Hanover	$2777	$472

Key Takeaways

Way's key takeaways about car insurance in South Windham

The auto insurance costs in South Windham fall around $564 for six months.
The cheapest auto insurance company in South Windham is Travelers.
Teen drivers pay the highest rate in South Windham at $1055 per month.

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Cheapest Minimum Liability Car Insurance in South Windham

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 South Windham are given below.

Travelers provides the cheapest minimum car insurance coverage in South Windham. Their Average 6 Month Premium is $268. Hanover is the most expensive at $1214 for the same period.

Cheapest Liability Coverage in South Windham, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$268	$45
Kemper	$314	$53
USAA	$314	$53
Amica Mutual	$422	$71
State Farm	$444	$75
Amica	$485	$82
Nationwide	$524	$88
Progressive	$524	$88
Allstate	$667	$112
Farmers	$929	$158
Hanover	$1214	$203

Cheapest Full Coverage Car Insurance in South Windham

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 South Windham is Travelers at $96 per month and $564 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Windham, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$564	$96
Kemper	$702	$118
USAA	$815	$137
State Farm	$918	$155
Amica Mutual	$947	$159
Progressive	$1049	$177
Nationwide	$1090	$183
Amica	$1232	$205
Allstate	$1340	$226
Farmers	$1443	$240
Hanover	$2777	$472

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Average Car Insurance in South Windham 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 South Windham, CT increasing?

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

Car Insurance Premiums by Age in South Windham

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 South Windham,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the South Windham at $60 per month. At $6329 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
Nationwide	$473	$81
USAA	$1117	$188
State Farm	$1449	$244
Amica	$1773	$299
Allstate	$2275	$383
Progressive	$3171	$534
Farmers	$5560	$946
Travelers	$6329	$1055

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 South Windham, 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 South Windham is Amica, offering rates of around $3854 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$405	$69
Nationwide	$536	$89
Amica Mutual	$741	$126
Travelers	$1106	$184
Progressive	$1243	$209
USAA	$1294	$216
Allstate	$1767	$298
State Farm	$1922	$324
Farmers	$2892	$492
Amica	$3854	$642

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Car Insurance Rates with An Accident in South Windham

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Windham

The cheapest car insurance companies after an at-fault accident in South Windham include Amica Mutual and Kemper, offering $496 and $519, respectively. Farmers is an expensive provider with an average six-month premium of $3279.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$496	$83
Kemper	$519	$87
State Farm	$593	$100
Nationwide	$621	$106
Travelers	$633	$106
USAA	$770	$130
Progressive	$1226	$206
Amica	$1243	$209
Allstate	$3022	$504
Farmers	$3279	$558

South Windham Car Insurance Rates by Violation

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

South Windham 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 South Windham 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 South Windham.

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

South Windham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$633	$107
Travelers	$975	$166
Progressive	$1026	$173
USAA	$1140	$192
State Farm	$1284	$216
Allstate	$1523	$256
Nationwide	$1785	$300
Amica Mutual	$2617	$441
Farmers	$3484	$581
Amica	$4277	$728
Hanover	$16896	$2816

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 South Windham are offered by Nationwide at $394. However, it can be as expensive as $1842 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Windham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$394	$67
Kemper	$399	$66
Amica Mutual	$485	$83
State Farm	$621	$105
Travelers	$758	$129
USAA	$901	$150
Allstate	$1072	$180
Progressive	$1100	$185
Amica	$1426	$243
Farmers	$1842	$307

Car Insurance Price Trends in South Windham, Connecticut

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

The average cost of full coverage in the South Windham rose by $228 in December compared to $225 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the South Windham rose to $83 in December, compared to $80 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 South Windham?

The car insurance in South Windham is $45 per month, which is lower than the national average.

What is the cheapest car insurance in South Windham?

The cheapest car insurance in South Windham is $96 per month for full coverage.

How much is car insurance in South Windham 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 South Windham?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $197 per month to insure your car in South Windham.

Is car insurance expensive in South Windham?

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

What is the best car insurance in South Windham, CT?

The best car insurance company in South Windham CT is Travelers, offering $564 for a six-month policy.