Cheapest Car Insurance Quotes in Stamford

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Stamford Car Insurance

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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 Stamford

The car insurance rate in Stamford is $1603 for a six-month policy, which is $172 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $819, making it a popular choice for budget-conscious drivers. Rates in Stamford 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 Stamford

$1603

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Stamford

1st place: Kemper

At $819 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $844 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $991 for six months, making it the third cheapest auto insurance company in Stamford.

Stamford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stamford, CT is Kemper, offering policies at just $819 for a six-month term. This is followed by Travelers, which has an average six-month premium of $844.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3759 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stamford drivers find the best deals.

Cheap Car Insurance Companies in Stamford, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$819	$138
Travelers	$844	$143
USAA	$991	$167
Amica Mutual	$1104	$186
State Farm	$1324	$223
Progressive	$1471	$248
Allstate	$1590	$268
Nationwide	$1643	$277
Amica	$1749	$291
Farmers	$2342	$399
Hanover	$3759	$633

Key Takeaways

Way's key takeaways about car insurance in Stamford

The auto insurance costs in Stamford fall around $819 for six months.
The cheapest auto insurance company in Stamford is USAA.
Teen drivers pay the highest rate in Stamford at $1578 per month.

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Cheapest Minimum Liability Car Insurance in Stamford

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 Stamford are given below.

USAA provides the cheapest minimum car insurance coverage in Stamford. Their Average 6 Month Premium is $346. Farmers is the most expensive at $1084 for the same period.

Cheapest Liability Coverage in Stamford, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$346	$59
Kemper	$366	$62
Amica Mutual	$493	$83
Amica	$500	$83
Progressive	$519	$87
State Farm	$545	$92
Nationwide	$612	$103
Allstate	$712	$120
Hanover	$1417	$241
Travelers	$312	$53
Farmers	$1084	$185

Cheapest Full Coverage Car Insurance in Stamford

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 Stamford is Kemper at $138 per month and $819 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stamford, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$819	$138
Travelers	$844	$143
USAA	$991	$167
Amica Mutual	$1104	$186
State Farm	$1324	$223
Progressive	$1471	$248
Allstate	$1590	$268
Nationwide	$1643	$277
Amica	$1749	$291
Farmers	$2342	$399
Hanover	$3759	$633

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Average Car Insurance in Stamford 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 Stamford, CT increasing?

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

Car Insurance Premiums by Age in Stamford

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 Stamford,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Stamford at $69 per month. At $9280 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$412	$69
Amica Mutual	$512	$85
USAA	$1403	$236
Amica	$2482	$418
Allstate	$2747	$463
State Farm	$2940	$495
Progressive	$4159	$700
Nationwide	$5741	$967
Hanover	$8775	$1492
Farmers	$8882	$1481
Travelers	$9280	$1578

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 Stamford, Kemper is the cheapest car insurance provider. At $473 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 Stamford is Amica, offering rates of around $5501 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$473	$78
Amica Mutual	$865	$147
USAA	$1650	$276
Travelers	$1670	$284
Progressive	$1976	$333
Allstate	$2156	$363
Nationwide	$2262	$381
State Farm	$3838	$646
Farmers	$4716	$786
Amica	$5501	$935

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Car Insurance Rates with An Accident in Stamford

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

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

The cheapest car insurance companies after an at-fault accident in Stamford include Amica Mutual and Kemper, offering $579 and $606, respectively. Hanover is an expensive provider with an average six-month premium of $6712.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$579	$96
Kemper	$606	$102
State Farm	$944	$159
Travelers	$944	$160
USAA	$958	$161
Amica	$1697	$286
Progressive	$2016	$339
Nationwide	$2568	$432
Allstate	$4829	$805
Farmers	$5356	$911
Hanover	$6712	$1119

Stamford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stamford CT. For example, the car insurance in Stamford after a DUI increases to $2123 for a six month policy. While the rate increases by $279 for a six-month policy in the case of a speeding ticket.

Stamford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1357	$226
One Med/PIP claim	$1357	$231
Not-at-fault accident	$1403	$234
Two Med/PIP claims	$1410	$240
One comp claim	$1430	$239
Two comp claims	$1516	$258
Driving without lights	$1577	$263
Failure to wear a seat belt	$1597	$271
Child safety restraint	$1616	$270
Failure to show documents	$1623	$276
Speeding 6 - 10 MPH over limit	$1636	$273
Driving with expired registration	$1643	$279
Speeding 11 - 15 MPH over limit	$1643	$274
Speeding 16 - 20 MPH over limit	$1643	$279
Cell phone violation	$1650	$276
Texting while driving	$1650	$280
Driving too slowly	$1656	$277
Failure to stop at a red light	$1656	$281
Failure to yield	$1656	$277
Following too closely	$1656	$281
Illegal turn	$1656	$277
Improper passing	$1663	$283
Wrong way/wrong lane	$1663	$278
Speeding in school zone	$1670	$284
Speeding 21 - 25 MPH over limit	$1690	$281
At-fault accident - less than $1000	$1710	$291
In 65 MPH zone	$1776	$296
Operating a vehicle without permission	$1836	$312
Open container	$1936	$323
At-fault accident - $1000-$2000	$2122	$361
At-fault accident - greater than $2000	$2122	$354
Passing school bus	$2482	$422
Reckless driving	$3267	$544
Racing	$3367	$572
Driving with a suspended license	$3392	$566
Refusal to submit to a chemical test	$3419	$581
DUI	$3480	$580
Leaving scene of an accident/hit and run	$3539	$601

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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 Stamford 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 Stamford.

The cheapest car insurance premiums in Stamford are offered by Kemper at $738 for a six-month policy. However, it can be as expensive as $19712 with companies like Hanover.

Stamford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$738	$124
Progressive	$1410	$237
USAA	$1417	$239
Travelers	$1457	$243
Allstate	$1810	$305
State Farm	$1842	$310
Amica Mutual	$3053	$514
Nationwide	$3399	$572
Farmers	$5608	$953
Amica	$6141	$1024
Hanover	$19712	$3352

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 Stamford are offered by Kemper at $466. However, it can be as expensive as $5349 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Stamford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$466	$77
Amica Mutual	$566	$96
State Farm	$1145	$193
Travelers	$1145	$195
USAA	$1145	$190
Allstate	$1297	$218
Nationwide	$1616	$272
Progressive	$1743	$293
Amica	$2029	$338
Farmers	$2994	$510
Hanover	$5349	$892

Car Insurance Price Trends in Stamford, Connecticut

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

The average cost of full coverage in the Stamford rose by $370 in January compared to $267 of December. In other words, there has been an increase by $103 when you compare January and December.

The average cost of liability insurance in the Stamford dipped to $91 in January, compared to $96 in December. This represents an decrease of $5 when comparing January and December.

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Average Car Insurance Cost in Stamford by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Stamford. At $1714 for a six-month policy, insuring your car at 6906 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
6906	$1714	$288
6905	$1843	$310
6907	$1698	$286
6902	$2468	$415
6901	$1682	$283
6903	$1762	$296

Frequently Asked Questions

How much is car insurance in Stamford?

The car insurance in Stamford is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Stamford?

The cheapest car insurance in Stamford is $138 per month for full coverage.

How much is car insurance in Stamford for teenagers?

Car insurance for teenagers costs $412 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 Stamford?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $270 per month to insure your car in Stamford.

Is car insurance expensive in Stamford?

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

What is the best car insurance in Stamford, CT?

The best car insurance company in Stamford CT is Kemper, offering $819 for a six-month policy.