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Key Takeaways

  • Stamford premiums are almost 8% more than the national average.
  • Progressive provides the cheapest full auto insurance coverage in Stamford.

How much does car insurance cost in Stamford?

Connecticut premiums are known for being more expensive than the national average. Unfortunately, Stamford also has expensive premiums.

So what should you do about it? Simple, you compare your car insurance quotes. This will help you get the cheapest rates for your auto insurance premiums.

Stamford Average (annual) Connecticut Average National Average
$1680 $1591 $1557

Auto Insurance Premiums by Company in Stamford

Progressive offers the most affordable full coverage insurance plans in Stamford. The lowest full coverage insurance in the city is available from USAA for an average annual cost of $753. However, only military personnel and their families are eligible for their policy.

For readily accessible auto insurance in Stamford, Progressive offers the lowest average rate.

Compared to MetLife, it costs around 180% less than comparable insurance. In addition, a full coverage insurance policy is supplemented with additional coverages like comprehensive and collision. Full coverage insurance premiums change depending on the level of liability coverage you select.

Insurance Company Average Rate (annual)
USAA $753
Progressive $969
State Farm $1035
Amica Mutual $1041
Travelers $1089

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Auto Insurance Premium by Age in Stamford

Stamford drivers can save $4680 a year after they reach their 20s and leave the adolescent age bracket. Any age group has the most variance between them.

Through their 50s, Stamford drivers' insurance costs continue to decline, but they can anticipate an uptick once they turn 60.

Age tier Average Yearly Rate
20s $2181
30s $1581
60s $1533

Auto Insurance Premium by Marital Status in Stamford

Your auto insurance rates in Stamford may vary depending on your marital status. The rates for widowed or divorced people are the same as those for single people. However, if you're single as opposed to married, you spend about 5% more annually.

Marital Status Average Annual Rate
Single $1608
Married $1542
Divorced $1608
Widowed $1608

Auto Insurance Premium by Gender in Stamford

Typically, there is a 2% difference in premiums between men and women, with women paying less.

Gender Average Annual Rate
Female $1578
Male $1605

Auto Insurance Premium by Driving Violation in Stamford

Your premiums may increase as a result of violations and accidents. How much an accident damages a property determines how much the insurance rates will increase.

Accidents that are your responsibility and cause more than $2000 in damages result in additional premium costs of $55, as opposed to accidents that cause less than $1,000 in damages.

In Stamford, premiums for drivers with DUIs are nearly twice as high ($1680). Your rates will also increase if you drive recklessly; the average increase is $3141. Compared to the city average, that is 86% more!

Incident/Violation Average Yearly Rate
DUI/DWI $3003
Reckless Driving $3141
At-fault Accident $2394
Speeding Ticket $1881

Auto Insurance Premium by Credit History in Stamford

Those with Very Poor credit (300-579) pay more than twice as much on average for car insurance in Stamford as those with Exceptional credit do (800-850).

In terms of percentage change, increasing your credit score from Good (670–739) to Very Good (740–799) results in the most savings for drivers, who can save up to 19% annually.

Credit Score Average Yearly Rate
Very Poor $3009
Fair $2493
Good $2070
Very Good $1662
Exceptional $1422

Auto Insurance Premium by Zip Code in Stamford

Your ZIP code is another element that affects how much auto insurance costs in Stamford.

It provides insurers with more details about your neighborhood, like crime rates and road conditions that affect the cost of your insurance. However, the average annual cost in Stamford for all ZIP codes is $1140.

Additionally, postal codes can be used to compare Connecticut auto insurance quotes.

ZIP code Annual car insurance rates
06902 $1140
06905 $1140

What would increase your car insurance rate in Stamford?

The percentage of drivers without insurance and the frequency of auto thefts are two location-specific variables that affect vehicle insurance costs in Stamford, in addition to the needs and histories of individual drivers.

The cost of premiums can be significantly impacted by how Stamford compares to the 300 largest cities in the United States in terms of population.

Auto theft statistics in Stamford

The number of reported stolen cars in Stamford rose by 45% from 2019 to 234 in 2020. This was the second-highest amount in the city over the previous ten years.

Out of 300 top American cities, Stamford stands at 42nd spot as a safe city.

Accidents Statistics in Stamford

According to data from the University of Connecticut, eleven people died in crashes on Stamford roads in 2020. There were 3433 crashes in Stamford in 2020.

Drivers require a reliable auto insurance policy due to the chance of collision to be financially secure in the event of an accident.

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Auto insurance in Stamford: Minimum insurance requirement in Connecticut

Connecticut has rules stating the minimum amount of auto insurance needed for drivers to legally operate a vehicle, just like nearly every other state in the US.

The state's legal minimums are sometimes expressed as 25/50/25.

As a result, what follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident
  • $25,000 underinsured motorist bodily injury per person
  • $50,000 underinsured motorist bodily injury per accident

Your lender will probably also need you to obtain collision and comprehensive insurance if you have a car loan or lease.

The legal limits are modest, so if you can afford it, most certified agents advise you to buy extra liability coverage in addition to extra coverages such as uninsured motorist insurance because the cost of an accident can easily exceed minimum limits.

To determine what restrictions may be appropriate for your financial priorities, speak with a qualified agent.

Be Prepared for Driving in Stamford

Stamford takes driving quite seriously.

  • According to Stamford legislation, reckless driving is defined as over 85 miles per hour. People who are stopped on the Merritt Parkway or Interstate 95 are typically charged with reckless driving.
  • On the two-lane Merritt Parkway, drivers will attempt to pass on the right. When drivers exceed 85 miles per hour, they will be hauled over. These individuals may face reckless driving charges. In addition, if a driver exceeds the speed limit by 1 to 19 miles per hour, they will be penalized for driving excessively fast.
  • If they exceed the speed limit by more than 20 miles per hour, they are considered speeding. Over 85 mph constitutes dangerous driving.
  • Because reckless driving is typically punished with a summons, the gravity of the offense is typically overlooked. As a result, they believe they only need to appear in court, but it is a misdemeanor offense. If a person does not appear in court or plead guilty, a misdemeanor will be recorded on their permanent record.
  • Moreover, the offense automatically results in a 30-day license suspension if the defendant is convicted. If they appear in court and attempt to negotiate a resolution in which they do not plead guilty, their license will not be suspended.

Driving Conditions in Stamford

  • Fair conditions for driving exist.
  • Stamford traffic is easy to navigate.
  • On average, there are 187 rainy days per year in Stamford. Rain averages 51 inches.
  • Snowfall averages 30 inches.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQ

How much is car insurance in Stamford CT?

The average car insurance cost in Stamford, CT is about $1680.

How do I find cheap car insurance in Stamford, CT?

You will get cheap car insurance in Stamford, CT by comparing car insurance quotes. You can get affordable car insurance in Stamford, CT through Way.com App. Log in, enter your details and one of our experts will get in touch with you.

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