Cheapest Car Insurance Quotes in Wauregan

Finding the cheapest car insurance quotes in Wauregan 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Wauregan Car Insurance

^$ 47

/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 Wauregan

The car insurance rate in Wauregan is $1259 for a six-month policy, which is $172 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $643, making it a popular choice for budget-conscious drivers. Rates in Wauregan 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 Wauregan

$1259

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Wauregan

1st place: Kemper

At $643 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $664 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $779 for six months, making it the third cheapest auto insurance company in Wauregan.

Wauregan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wauregan, CT is Kemper, offering policies at just $643 for a six-month term. This is followed by Travelers, which has an average six-month premium of $664.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2953 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wauregan drivers find the best deals.

Cheap Car Insurance Companies in Wauregan, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$643	$108
Travelers	$664	$113
USAA	$779	$131
Amica Mutual	$868	$146
State Farm	$1040	$175
Progressive	$1155	$194
Allstate	$1250	$210
Nationwide	$1291	$217
Amica	$1375	$229
Farmers	$1840	$313
Hanover	$2953	$497

Key Takeaways

Way's key takeaways about car insurance in Wauregan

The auto insurance costs in Wauregan fall around $643 for six months.
The cheapest auto insurance company in Wauregan is USAA.
Teen drivers pay the highest rate in Wauregan at $1240 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 Wauregan

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 Wauregan are given below.

USAA provides the cheapest minimum car insurance coverage in Wauregan. Their Average 6 Month Premium is $272. Farmers is the most expensive at $852 for the same period.

Cheapest Liability Coverage in Wauregan, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$272	$47
Kemper	$288	$48
Amica Mutual	$387	$65
Amica	$392	$65
Progressive	$407	$69
State Farm	$429	$72
Nationwide	$480	$81
Allstate	$560	$94
Hanover	$1113	$189
Travelers	$246	$41
Farmers	$852	$145

Cheapest Full Coverage Car Insurance in Wauregan

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 Wauregan is Kemper at $108 per month and $643 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wauregan, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$643	$108
Travelers	$664	$113
USAA	$779	$131
Amica Mutual	$868	$146
State Farm	$1040	$175
Progressive	$1155	$194
Allstate	$1250	$210
Nationwide	$1291	$217
Amica	$1375	$229
Farmers	$1840	$313
Hanover	$2953	$497

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Wauregan Instantly!

Average Car Insurance in Wauregan 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 Wauregan, CT increasing?

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

Car Insurance Premiums by Age in Wauregan

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Wauregan,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Wauregan at $55 per month. At $7292 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$324	$55
Amica Mutual	$402	$67
USAA	$1103	$186
Amica	$1950	$328
Allstate	$2159	$363
State Farm	$2310	$389
Progressive	$3267	$550
Nationwide	$4511	$759
Hanover	$6895	$1172
Farmers	$6978	$1163
Travelers	$7292	$1240

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 Wauregan, Kemper is the cheapest car insurance provider. At $371 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 Wauregan is Amica, offering rates of around $4323 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$371	$62
Amica Mutual	$679	$115
USAA	$1296	$216
Travelers	$1312	$224
Progressive	$1552	$261
Allstate	$1694	$285
Nationwide	$1778	$299
State Farm	$3016	$508
Farmers	$3706	$618
Amica	$4323	$735

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Wauregan.

Car Insurance Rates with An Accident in Wauregan

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

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

The cheapest car insurance companies after an at-fault accident in Wauregan include Amica Mutual and Kemper, offering $455 and $476, respectively. Hanover is an expensive provider with an average six-month premium of $5274.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$455	$76
Kemper	$476	$80
State Farm	$742	$125
Travelers	$742	$126
USAA	$752	$127
Amica	$1333	$224
Progressive	$1584	$267
Nationwide	$2018	$340
Allstate	$3795	$633
Farmers	$4208	$715
Hanover	$5274	$879

Wauregan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wauregan CT. For example, the car insurance in Wauregan after a DUI increases to $1667 for a six month policy. While the rate increases by $219 for a six-month policy in the case of a speeding ticket.

Wauregan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1067	$178
One Med/PIP claim	$1067	$181
Not-at-fault accident	$1103	$184
Two Med/PIP claims	$1108	$188
One comp claim	$1124	$187
Two comp claims	$1192	$202
Driving without lights	$1239	$207
Failure to wear a seat belt	$1255	$213
Child safety restraint	$1270	$212
Failure to show documents	$1275	$216
Speeding 6 - 10 MPH over limit	$1286	$215
Driving with expired registration	$1291	$219
Speeding 11 - 15 MPH over limit	$1291	$216
Speeding 16 - 20 MPH over limit	$1291	$219
Cell phone violation	$1296	$216
Texting while driving	$1296	$220
Driving too slowly	$1302	$217
Failure to stop at a red light	$1302	$221
Failure to yield	$1302	$217
Following too closely	$1302	$221
Illegal turn	$1302	$217
Improper passing	$1307	$223
Wrong way/wrong lane	$1307	$218
Speeding in school zone	$1312	$224
Speeding 21 - 25 MPH over limit	$1328	$221
At-fault accident - less than $1000	$1344	$229
In 65 MPH zone	$1396	$232
Operating a vehicle without permission	$1442	$246
Open container	$1522	$253
At-fault accident - $1000-$2000	$1668	$283
At-fault accident - greater than $2000	$1668	$278
Passing school bus	$1950	$332
Reckless driving	$2567	$428
Racing	$2645	$450
Driving with a suspended license	$2666	$444
Refusal to submit to a chemical test	$2687	$457
DUI	$2734	$456
Leaving scene of an accident/hit and run	$2781	$473

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Wauregan 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 Wauregan.

The cheapest car insurance premiums in Wauregan are offered by Kemper at $580 for a six-month policy. However, it can be as expensive as $15488 with companies like Hanover.

Wauregan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$580	$98
Progressive	$1108	$187
USAA	$1113	$187
Travelers	$1145	$191
Allstate	$1422	$239
State Farm	$1448	$244
Amica Mutual	$2399	$404
Nationwide	$2671	$450
Farmers	$4406	$749
Amica	$4825	$804
Hanover	$15488	$2634

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 Wauregan are offered by Kemper at $366. However, it can be as expensive as $4203 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Wauregan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$366	$61
Amica Mutual	$444	$76
State Farm	$899	$151
Travelers	$899	$153
USAA	$899	$150
Allstate	$1019	$172
Nationwide	$1270	$214
Progressive	$1369	$231
Amica	$1595	$266
Farmers	$2352	$400
Hanover	$4203	$700

Car Insurance Price Trends in Wauregan, Connecticut

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

The average cost of full coverage in the Wauregan rose by $290 in January compared to $209 of December. In other words, there has been an increase by $81 when you compare January and December.

The average cost of liability insurance in the Wauregan dipped to $71 in January, compared to $76 in December. This represents an decrease of $5 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Wauregan?

The car insurance in Wauregan is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Wauregan?

The cheapest car insurance in Wauregan is $108 per month for full coverage.

How much is car insurance in Wauregan for teenagers?

Car insurance for teenagers costs $324 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 Wauregan?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $212 per month to insure your car in Wauregan.

Is car insurance expensive in Wauregan?

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

What is the best car insurance in Wauregan, CT?

The best car insurance company in Wauregan CT is Kemper, offering $643 for a six-month policy.