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Finding the cheapest car insurance quotes in Thompson 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.
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 Thompson
The car insurance rate in Thompson is $1331 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $680, making it a popular choice for budget-conscious drivers. Rates in Thompson 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.
At $680 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $701 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $823
for six months, making it
the third cheapest auto insurance company in Thompson.
Thompson Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Thompson, CT is Kemper, offering policies at just $680 for a six-month term. This is followed by Travelers, which has an average six-month premium of $701.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3121 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Thompson drivers find the best deals.
Way's key takeaways about car insurance in Thompson
The auto insurance costs in Thompson fall around $680 for six
months.
The cheapest auto insurance company in Thompson is USAA.
Teen drivers pay the highest rate in Thompson at $1310 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 Thompson
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 Thompson are given below.
USAA provides
the cheapest minimum car insurance
coverage in Thompson. Their Average 6 Month Premium is $287.
Farmers is the most
expensive at $900 for the same
period.
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 Thompson is Kemper
at $114 per month and $680
for six months.
Cheapest Full Coverage Car Insurance Quotes in Thompson,
CT
Get Your Car Insurance Quote in Thompson
Instantly!
Average Car Insurance in Thompson 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 Thompson, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Thompson, 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, Thompson's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Thompson
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Thompson,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Thompson at $58
per
month. At $7706 for a six-month premium,
Travelers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Thompson.
As young drivers face the highest rates in Thompson, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Thompson,
Kemper is
the cheapest car insurance provider. At $392 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
Thompson is Amica, offering
rates of around $4568 for six
months.
Save up to $971/yr on car insurance rates in Thompson.
Car Insurance Rates with An Accident in Thompson
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 Thompson, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Thompson
The cheapest car insurance companies after an at-fault accident in
Thompson include Amica Mutual
and Kemper, offering $481
and $503,
respectively. Hanover is an expensive provider
with an average six-month premium of
$5573.
Here is a list of driving violations that can increase your car
insurance rates in Thompson CT. For example, the car
insurance in Thompson
after a DUI increases to $1763 for a six
month policy. While the rate increases by $232 for a six-month policy in the case of
a speeding ticket.
Thompson auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1127
$188
One Med/PIP claim
$1127
$192
Not-at-fault accident
$1165
$194
Two Med/PIP claims
$1171
$199
One comp claim
$1188
$198
Two comp claims
$1259
$214
Driving without lights
$1309
$219
Failure to wear a seat belt
$1326
$225
Child safety restraint
$1342
$224
Failure to show documents
$1348
$229
Speeding 6 - 10 MPH over limit
$1359
$227
Driving with expired registration
$1364
$232
Speeding 11 - 15 MPH over limit
$1364
$228
Speeding 16 - 20 MPH over limit
$1364
$232
Cell phone violation
$1370
$229
Texting while driving
$1370
$233
Driving too slowly
$1375
$230
Failure to stop at a red light
$1375
$233
Failure to yield
$1375
$230
Following too closely
$1375
$233
Illegal turn
$1375
$230
Improper passing
$1381
$235
Wrong way/wrong lane
$1381
$231
Speeding in school zone
$1387
$236
Speeding 21 - 25 MPH over limit
$1403
$233
At-fault accident - less than $1000
$1420
$242
In 65 MPH zone
$1475
$246
Operating a vehicle without permission
$1524
$259
Open container
$1608
$268
At-fault accident - $1000-$2000
$1762
$299
At-fault accident - greater than $2000
$1762
$294
Passing school bus
$2061
$351
Reckless driving
$2713
$452
Racing
$2796
$475
Driving with a suspended license
$2817
$470
Refusal to submit to a chemical test
$2839
$483
DUI
$2890
$482
Leaving scene of an accident/hit and run
$2939
$499
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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 Thompson 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 Thompson.
The cheapest car insurance premiums in
Thompson are
offered by Kemper at $613 for a six-month policy.
However, it can be as
expensive as $16368 with companies
like Hanover.
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 Thompson are offered by Kemper
at $387. However,
it can be as expensive as $4442
with companies like Hanover for a similar
six-month premium.
Cheapest Car Insurance in Thompson after Speeding ticket
Car Insurance Price Trends in Thompson,
Connecticut
Car insurance rates in Thompson have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Thompson rose by
$307 in January
compared to $221 of December. In other words, there has been an increase by $86 when you
compare January and December.
The average cost of liability insurance in the Thompson dipped to $75 in January,
compared to $80 in December.
This represents an decrease of $5
when comparing January and December.
Average Car Insurance Cost in Thompson 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
Thompson. At $2661 for a
six-month policy, insuring
your car at 6277 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Thompson?
The car insurance in Thompson is $49 per month, which is lower than the national average.
What is the cheapest car insurance in Thompson?
The cheapest car insurance in Thompson
is $114 per month
for full coverage.
How much is car insurance in Thompson for teenagers?
Car insurance for teenagers costs $342 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
Thompson?
The average cost of car insurance is $1431 for a six-month
policy. It will cost around $224 per month to insure your
car in Thompson.
Is car insurance expensive in Thompson?
Car insurance can be expensive in Thompson if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Thompson can be
affordable.
What is the best car insurance in Thompson,
CT?
The best car insurance company in Thompson
CT is
Kemper, offering $680 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Thompson, CT
Car Insurance Rates by State in the USA (2025 Update)
Thompson Car Insurance
