Cheapest Car Insurance Quotes in Southport

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Southport Car Insurance

^$ 56

/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 $1517 for a six-month policy, which is $86 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $775, 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

$1517

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Southport

1st place: Kemper

At $775 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $799 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $938 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 Kemper, offering policies at just $775 for a six-month term. This is followed by Travelers, which has an average six-month premium of $799.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3557 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
Kemper	$775	$130
Travelers	$799	$136
USAA	$938	$158
Amica Mutual	$1045	$176
State Farm	$1253	$211
Progressive	$1392	$234
Allstate	$1505	$253
Nationwide	$1555	$262
Amica	$1656	$276
Farmers	$2216	$377
Hanover	$3557	$599

Key Takeaways

Way's key takeaways about car insurance in Southport

The auto insurance costs in Southport fall around $775 for six months.
The cheapest auto insurance company in Southport is USAA.
Teen drivers pay the highest rate in Southport at $1494 per month.

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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.

USAA provides the cheapest minimum car insurance coverage in Southport. Their Average 6 Month Premium is $328. Farmers is the most expensive at $1026 for the same period.

Cheapest Liability Coverage in Southport, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$328	$56
Kemper	$347	$58
Amica Mutual	$466	$78
Amica	$473	$78
Progressive	$491	$83
State Farm	$516	$87
Nationwide	$579	$98
Allstate	$674	$113
Hanover	$1341	$228
Travelers	$296	$50
Farmers	$1026	$175

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 Kemper at $130 per month and $775 for six months.

Cheapest Full Coverage Car Insurance Quotes in Southport, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$775	$130
Travelers	$799	$136
USAA	$938	$158
Amica Mutual	$1045	$176
State Farm	$1253	$211
Progressive	$1392	$234
Allstate	$1505	$253
Nationwide	$1555	$262
Amica	$1656	$276
Farmers	$2216	$377
Hanover	$3557	$599

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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

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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 $8783 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
USAA	$1328	$224
Amica	$2349	$395
Allstate	$2600	$438
State Farm	$2783	$469
Progressive	$3936	$663
Nationwide	$5434	$915
Hanover	$8305	$1412
Farmers	$8406	$1401
Travelers	$8783	$1494

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 $5207 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$74
Amica Mutual	$818	$139
USAA	$1561	$261
Travelers	$1580	$269
Progressive	$1870	$315
Allstate	$2041	$343
Nationwide	$2141	$360
State Farm	$3633	$612
Farmers	$4464	$744
Amica	$5207	$885

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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. Hanover is an expensive provider with an average six-month premium of $6353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$548	$91
Kemper	$573	$96
State Farm	$894	$151
Travelers	$894	$152
USAA	$906	$153
Amica	$1606	$270
Progressive	$1908	$321
Nationwide	$2431	$409
Allstate	$4571	$762
Farmers	$5069	$862
Hanover	$6353	$1059

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

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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 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
Progressive	$1335	$225
USAA	$1341	$226
Travelers	$1379	$230
Allstate	$1713	$288
State Farm	$1744	$294
Amica Mutual	$2890	$487
Nationwide	$3217	$542
Farmers	$5307	$902
Amica	$5812	$969
Hanover	$18656	$3173

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 Kemper at $441. However, it can be as expensive as $5063 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Southport after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$441	$73
Amica Mutual	$535	$91
State Farm	$1083	$182
Travelers	$1083	$184
USAA	$1083	$180
Allstate	$1227	$207
Nationwide	$1530	$258
Progressive	$1649	$278
Amica	$1921	$320
Farmers	$2833	$482
Hanover	$5063	$844

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 $350 in January compared to $252 of December. In other words, there has been an increase by $98 when you compare January and December.

The average cost of liability insurance in the Southport dipped to $86 in January, compared to $91 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 Southport?

The car insurance in Southport is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Southport?

The cheapest car insurance in Southport is $130 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 $1431 for a six-month policy. It will cost around $255 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 Kemper, offering $775 for a six-month policy.