Cheapest Car Insurance Quotes in Southport

Finding the cheapest car insurance quotes in Southport shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Southport Car Insurance

^$ 50

/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 Southport

The car insurance rate in Southport is $1292 for a six-month policy, which is $73 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $623, making it a popular choice for budget-conscious drivers. Rates in Southport 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 Southport

$1292

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Southport

1st place: Travelers

At $623 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $775 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $900 for six months, making it the third cheapest auto insurance company in Southport.

Southport Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Southport, CT is Travelers, offering policies at just $623 for a six-month term. This is followed by Kemper, which has an average six-month premium of $775.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3067 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Southport drivers find the best deals.

Cheap Car Insurance Companies in Southport, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$623	$106
Kemper	$775	$130
USAA	$900	$152
State Farm	$1013	$171
Amica Mutual	$1045	$176
Progressive	$1159	$195
Nationwide	$1203	$202
Amica	$1360	$227
Allstate	$1480	$249
Farmers	$1593	$265
Hanover	$3067	$522

Key Takeaways

Way's key takeaways about car insurance in Southport

The auto insurance costs in Southport fall around $623 for six months.
The cheapest auto insurance company in Southport is Travelers.
Teen drivers pay the highest rate in Southport at $1165 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Southport

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 Southport are given below.

Travelers provides the cheapest minimum car insurance coverage in Southport. Their Average 6 Month Premium is $296. Hanover is the most expensive at $1341 for the same period.

Cheapest Liability Coverage in Southport, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$296	$50
Kemper	$347	$58
USAA	$347	$58
Amica Mutual	$466	$78
State Farm	$491	$83
Amica	$535	$90
Nationwide	$579	$98
Progressive	$579	$98
Allstate	$737	$124
Farmers	$1026	$175
Hanover	$1341	$224

Cheapest Full Coverage Car Insurance in Southport

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 Southport is Travelers at $106 per month and $623 for six months.

Cheapest Full Coverage Car Insurance Quotes in Southport, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$623	$106
Kemper	$775	$130
USAA	$900	$152
State Farm	$1013	$171
Amica Mutual	$1045	$176
Progressive	$1159	$195
Nationwide	$1203	$202
Amica	$1360	$227
Allstate	$1480	$249
Farmers	$1593	$265
Hanover	$3067	$522

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Southport Instantly!

Average Car Insurance in Southport 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 Southport, CT increasing?

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

Car Insurance Premiums by Age in Southport

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Southport,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Southport at $66 per month. At $6989 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$390	$66
Amica Mutual	$484	$81
Nationwide	$523	$89
USAA	$1234	$208
State Farm	$1600	$269
Amica	$1958	$330
Allstate	$2512	$423
Progressive	$3501	$589
Farmers	$6140	$1044
Travelers	$6989	$1165

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 Southport, Kemper is the cheapest car insurance provider. At $447 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 Southport is Amica, offering rates of around $4256 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$76
Nationwide	$591	$99
Amica Mutual	$818	$139
Travelers	$1221	$204
Progressive	$1373	$231
USAA	$1429	$239
Allstate	$1951	$329
State Farm	$2122	$357
Farmers	$3193	$543
Amica	$4256	$709

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Southport.

Car Insurance Rates with An Accident in Southport

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

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

The cheapest car insurance companies after an at-fault accident in Southport include Amica Mutual and Kemper, offering $548 and $573, respectively. Farmers is an expensive provider with an average six-month premium of $3621.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$548	$91
Kemper	$573	$96
State Farm	$655	$110
Nationwide	$686	$117
Travelers	$699	$117
USAA	$850	$143
Progressive	$1354	$228
Amica	$1373	$231
Allstate	$3337	$557
Farmers	$3621	$616

Southport Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Southport CT. For example, the car insurance in Southport after a DUI increases to $2008 for a six month policy. While the rate increases by $264 for a six-month policy in the case of a speeding ticket.

Southport auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1285	$214
One Med/PIP claim	$1285	$218
Not-at-fault accident	$1328	$222
Two Med/PIP claims	$1335	$227
One comp claim	$1354	$226
Two comp claims	$1435	$244
Driving without lights	$1492	$249
Failure to wear a seat belt	$1512	$257
Child safety restraint	$1530	$255
Failure to show documents	$1536	$261
Speeding 6 - 10 MPH over limit	$1549	$259
Driving with expired registration	$1555	$264
Speeding 11 - 15 MPH over limit	$1555	$260
Speeding 16 - 20 MPH over limit	$1555	$264
Cell phone violation	$1561	$261
Texting while driving	$1561	$265
Driving too slowly	$1568	$262
Failure to stop at a red light	$1568	$266
Failure to yield	$1568	$262
Following too closely	$1568	$266
Illegal turn	$1568	$262
Improper passing	$1574	$268
Wrong way/wrong lane	$1574	$263
Speeding in school zone	$1580	$269
Speeding 21 - 25 MPH over limit	$1600	$266
At-fault accident - less than $1000	$1619	$276
In 65 MPH zone	$1681	$280
Operating a vehicle without permission	$1737	$296
Open container	$1833	$305
At-fault accident - $1000-$2000	$2009	$341
At-fault accident - greater than $2000	$2009	$335
Passing school bus	$2349	$400
Reckless driving	$3092	$515
Racing	$3186	$542
Driving with a suspended license	$3211	$535
Refusal to submit to a chemical test	$3236	$550
DUI	$3293	$549
Leaving scene of an accident/hit and run	$3350	$569

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Southport 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 Southport.

The cheapest car insurance premiums in Southport are offered by Kemper at $699 for a six-month policy. However, it can be as expensive as $18656 with companies like Hanover.

Southport car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$699	$118
Travelers	$1077	$183
Progressive	$1133	$191
USAA	$1259	$212
State Farm	$1417	$239
Allstate	$1681	$283
Nationwide	$1971	$332
Amica Mutual	$2890	$487
Farmers	$3847	$641
Amica	$4722	$803
Hanover	$18656	$3109

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 Southport are offered by Nationwide at $435. However, it can be as expensive as $2034 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Southport after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$435	$74
Kemper	$441	$73
Amica Mutual	$535	$91
State Farm	$686	$116
Travelers	$837	$142
USAA	$995	$165
Allstate	$1184	$199
Progressive	$1215	$205
Amica	$1574	$268
Farmers	$2034	$339

Car Insurance Price Trends in Southport, Connecticut

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

The average cost of full coverage in the Southport rose by $252 in December compared to $248 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 Southport rose to $91 in December, compared to $88 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Southport?

The car insurance in Southport is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Southport?

The cheapest car insurance in Southport is $106 per month for full coverage.

How much is car insurance in Southport for teenagers?

Car insurance for teenagers costs $390 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 Southport?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $217 per month to insure your car in Southport.

Is car insurance expensive in Southport?

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

What is the best car insurance in Southport, CT?

The best car insurance company in Southport CT is Travelers, offering $623 for a six-month policy.