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Finding the cheapest car insurance quotes in Wilton 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 Wilton
The car insurance rate in Wilton is $1231 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $594, making it a popular choice for budget-conscious drivers. Rates in Wilton 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 $594 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: Kemper
Kemper offers auto
insurance rates at $738 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $857
for six months, making it
the third cheapest auto insurance company in Wilton.
Wilton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wilton, CT is Travelers, offering policies at just $594 for a six-month term. This is followed by Kemper, which has an average six-month premium of $738.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $2922 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wilton drivers find the best deals.
The auto insurance costs in Wilton fall around $594 for six
months.
The cheapest auto insurance company in Wilton is Travelers.
Teen drivers pay the highest rate in Wilton at $1110 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 Wilton
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 Wilton are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Wilton. Their Average 6 Month Premium is $282.
Hanover is the most
expensive at $1278 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 Wilton is Travelers
at $101 per month and $594
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wilton,
CT
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 Wilton, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wilton, 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, Wilton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wilton
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
Wilton,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Wilton at $63
per
month. At $6659 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 Wilton.
As young drivers face the highest rates in Wilton, 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 Wilton,
Kemper is
the cheapest car insurance provider. At $426 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
Wilton is Amica, offering
rates of around $4055 for six
months.
Save up to $971/yr on car insurance rates in Wilton.
Car Insurance Rates with An Accident in Wilton
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 Wilton, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wilton
The cheapest car insurance companies after an at-fault accident in
Wilton include Amica Mutual
and Kemper, offering $522
and $546,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3450.
Here is a list of driving violations that can increase your car
insurance rates in Wilton CT. For example, the car
insurance in Wilton
after a DUI increases to $1914 for a six
month policy. While the rate increases by $252 for a six-month policy in the case of
a speeding ticket.
Wilton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1224
$204
One Med/PIP claim
$1224
$208
Not-at-fault accident
$1266
$211
Two Med/PIP claims
$1272
$216
One comp claim
$1290
$215
Two comp claims
$1368
$232
Driving without lights
$1422
$237
Failure to wear a seat belt
$1440
$244
Child safety restraint
$1457
$243
Failure to show documents
$1463
$248
Speeding 6 - 10 MPH over limit
$1476
$246
Driving with expired registration
$1482
$251
Speeding 11 - 15 MPH over limit
$1482
$247
Speeding 16 - 20 MPH over limit
$1482
$251
Cell phone violation
$1488
$248
Texting while driving
$1488
$253
Driving too slowly
$1494
$249
Failure to stop at a red light
$1494
$254
Failure to yield
$1494
$249
Following too closely
$1494
$254
Illegal turn
$1494
$249
Improper passing
$1500
$256
Wrong way/wrong lane
$1500
$250
Speeding in school zone
$1506
$257
Speeding 21 - 25 MPH over limit
$1524
$254
At-fault accident - less than $1000
$1542
$263
In 65 MPH zone
$1602
$267
Operating a vehicle without permission
$1655
$282
Open container
$1746
$291
At-fault accident - $1000-$2000
$1914
$325
At-fault accident - greater than $2000
$1914
$319
Passing school bus
$2238
$381
Reckless driving
$2946
$491
Racing
$3036
$516
Driving with a suspended license
$3059
$510
Refusal to submit to a chemical test
$3084
$524
DUI
$3138
$523
Leaving scene of an accident/hit and run
$3192
$542
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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 Wilton 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 Wilton.
The cheapest car insurance premiums in
Wilton are
offered by Kemper at $666 for a six-month policy.
However, it can be as
expensive as $17776 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 Wilton are offered by Nationwide
at $414. However,
it can be as expensive as $1938
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Wilton after Speeding ticket
Car insurance rates in Wilton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wilton rose by
$240 in December
compared to $236 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 Wilton rose to $87 in December,
compared to $84 in November.
This represents an increase of $3
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Wilton. At $2462 for a
six-month policy, insuring
your car at 6897 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 Wilton?
The car insurance in Wilton is $47 per month, which is lower than the national average.
What is the cheapest car insurance in Wilton?
The cheapest car insurance in Wilton
is $101 per month
for full coverage.
How much is car insurance in Wilton for teenagers?
Car insurance for teenagers costs $372 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
Wilton?
The average cost of car insurance is $1219 for a six-month
policy. It will cost around $207 per month to insure your
car in Wilton.
Is car insurance expensive in Wilton?
Car insurance can be expensive in Wilton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wilton can be
affordable.
What is the best car insurance in Wilton,
CT?
The best car insurance company in Wilton
CT is
Travelers, offering $594 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Wilton, CT
Car Insurance Rates by State in the USA (2025 Update)
Wilton Car Insurance
