Cheapest Car Insurance Quotes in Torrington

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Torrington Car Insurance

^$ 45

/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 Torrington

The car insurance rate in Torrington is $1158 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $559, making it a popular choice for budget-conscious drivers. Rates in Torrington 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 Torrington

$1158

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in Torrington

1st place: Travelers

At $559 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $694 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $807 for six months, making it the third cheapest auto insurance company in Torrington.

Torrington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Torrington, CT is Travelers, offering policies at just $559 for a six-month term. This is followed by Kemper, which has an average six-month premium of $694.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2748 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Torrington drivers find the best deals.

Cheap Car Insurance Companies in Torrington, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$559	$95
Kemper	$694	$117
USAA	$807	$136
State Farm	$908	$153
Amica Mutual	$937	$158
Progressive	$1038	$175
Nationwide	$1078	$181
Amica	$1219	$203
Allstate	$1326	$223
Farmers	$1428	$238
Hanover	$2748	$467

Key Takeaways

Way's key takeaways about car insurance in Torrington

The auto insurance costs in Torrington fall around $559 for six months.
The cheapest auto insurance company in Torrington is Travelers.
Teen drivers pay the highest rate in Torrington at $1044 per month.

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Cheapest Minimum Liability Car Insurance in Torrington

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 Torrington are given below.

Travelers provides the cheapest minimum car insurance coverage in Torrington. Their Average 6 Month Premium is $265. Hanover is the most expensive at $1202 for the same period.

Cheapest Liability Coverage in Torrington, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$265	$45
Kemper	$311	$52
USAA	$311	$52
Amica Mutual	$418	$70
State Farm	$440	$74
Amica	$480	$81
Nationwide	$519	$87
Progressive	$519	$87
Allstate	$660	$111
Farmers	$920	$157
Hanover	$1202	$200

Cheapest Full Coverage Car Insurance in Torrington

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 Torrington is Travelers at $95 per month and $559 for six months.

Cheapest Full Coverage Car Insurance Quotes in Torrington, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$559	$95
Kemper	$694	$117
USAA	$807	$136
State Farm	$908	$153
Amica Mutual	$937	$158
Progressive	$1038	$175
Nationwide	$1078	$181
Amica	$1219	$203
Allstate	$1326	$223
Farmers	$1428	$238
Hanover	$2748	$467

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Average Car Insurance in Torrington 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 Torrington, CT increasing?

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

Car Insurance Premiums by Age in Torrington

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 Torrington,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Torrington at $59 per month. At $6263 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$350	$59
Amica Mutual	$434	$72
Nationwide	$468	$80
USAA	$1106	$186
State Farm	$1434	$241
Amica	$1755	$295
Allstate	$2252	$379
Progressive	$3138	$528
Farmers	$5502	$936
Travelers	$6263	$1044

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 Torrington, Kemper is the cheapest car insurance provider. At $401 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 Torrington is Amica, offering rates of around $3814 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$401	$68
Nationwide	$530	$88
Amica Mutual	$733	$124
Travelers	$1094	$182
Progressive	$1230	$207
USAA	$1281	$214
Allstate	$1749	$295
State Farm	$1902	$320
Farmers	$2861	$486
Amica	$3814	$636

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Car Insurance Rates with An Accident in Torrington

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

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

The cheapest car insurance companies after an at-fault accident in Torrington include Amica Mutual and Kemper, offering $491 and $514, respectively. Farmers is an expensive provider with an average six-month premium of $3245.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$491	$82
Kemper	$514	$86
State Farm	$587	$99
Nationwide	$615	$105
Travelers	$626	$105
USAA	$762	$128
Progressive	$1213	$204
Amica	$1230	$207
Allstate	$2991	$499
Farmers	$3245	$552

Torrington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Torrington CT. For example, the car insurance in Torrington after a DUI increases to $1801 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.

Torrington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1151	$192
One Med/PIP claim	$1151	$196
Not-at-fault accident	$1190	$199
Two Med/PIP claims	$1196	$203
One comp claim	$1213	$202
Two comp claims	$1286	$219
Driving without lights	$1338	$223
Failure to wear a seat belt	$1355	$230
Child safety restraint	$1371	$229
Failure to show documents	$1377	$234
Speeding 6 - 10 MPH over limit	$1388	$232
Driving with expired registration	$1394	$237
Speeding 11 - 15 MPH over limit	$1394	$233
Speeding 16 - 20 MPH over limit	$1394	$237
Cell phone violation	$1399	$234
Texting while driving	$1399	$238
Driving too slowly	$1405	$235
Failure to stop at a red light	$1405	$238
Failure to yield	$1405	$235
Following too closely	$1405	$238
Illegal turn	$1405	$235
Improper passing	$1411	$240
Wrong way/wrong lane	$1411	$236
Speeding in school zone	$1416	$241
Speeding 21 - 25 MPH over limit	$1434	$238
At-fault accident - less than $1000	$1451	$247
In 65 MPH zone	$1507	$251
Operating a vehicle without permission	$1557	$265
Open container	$1643	$274
At-fault accident - $1000-$2000	$1800	$306
At-fault accident - greater than $2000	$1800	$300
Passing school bus	$2105	$358
Reckless driving	$2771	$462
Racing	$2856	$485
Driving with a suspended license	$2878	$480
Refusal to submit to a chemical test	$2900	$493
DUI	$2952	$492
Leaving scene of an accident/hit and run	$3002	$510

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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 Torrington 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 Torrington.

The cheapest car insurance premiums in Torrington are offered by Kemper at $626 for a six-month policy. However, it can be as expensive as $16720 with companies like Hanover.

Torrington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$626	$105
Travelers	$965	$164
Progressive	$1016	$171
USAA	$1129	$190
State Farm	$1270	$214
Allstate	$1507	$254
Nationwide	$1766	$297
Amica Mutual	$2590	$436
Farmers	$3448	$575
Amica	$4232	$720
Hanover	$16720	$2786

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 Torrington are offered by Nationwide at $390. However, it can be as expensive as $1823 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Torrington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$390	$67
Kemper	$395	$66
Amica Mutual	$480	$82
State Farm	$615	$104
Travelers	$751	$127
USAA	$892	$148
Allstate	$1061	$179
Progressive	$1089	$183
Amica	$1411	$240
Farmers	$1823	$304

Car Insurance Price Trends in Torrington, Connecticut

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

The average cost of full coverage in the Torrington rose by $226 in December compared to $222 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 Torrington rose to $82 in December, compared to $79 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Torrington?

The car insurance in Torrington is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Torrington?

The cheapest car insurance in Torrington is $95 per month for full coverage.

How much is car insurance in Torrington for teenagers?

Car insurance for teenagers costs $350 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 Torrington?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $195 per month to insure your car in Torrington.

Is car insurance expensive in Torrington?

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

What is the best car insurance in Torrington, CT?

The best car insurance company in Torrington CT is Travelers, offering $559 for a six-month policy.