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Finding the cheapest car insurance quotes in Wolcott 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 Wolcott
The car insurance rate in Wolcott is $1390 for a six-month policy, which is $171 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $670, making it a popular choice for budget-conscious drivers. Rates in Wolcott 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 $670 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: Kemper
Kemper offers auto
insurance rates at $833 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $968
for six months, making it
the third cheapest auto insurance company in Wolcott.
Wolcott Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wolcott, CT is Travelers, offering policies at just $670 for a six-month term. This is followed by Kemper, which has an average six-month premium of $833.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3298 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wolcott drivers find the best deals.
Way's key takeaways about car insurance in Wolcott
The auto insurance costs in Wolcott fall around $670 for six
months.
The cheapest auto insurance company in Wolcott is Travelers.
Teen drivers pay the highest rate in Wolcott at $1253 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 Wolcott
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 Wolcott are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Wolcott. Their Average 6 Month Premium is $318.
Hanover is the most
expensive at $1442 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 Wolcott is Travelers
at $114 per month and $670
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wolcott,
CT
Get Your Car Insurance Quote in Wolcott
Instantly!
Average Car Insurance in Wolcott 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 Wolcott, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wolcott, 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, Wolcott's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wolcott
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
Wolcott,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Wolcott at $71
per
month. At $7516 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 Wolcott.
As young drivers face the highest rates in Wolcott, 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 Wolcott,
Kemper is
the cheapest car insurance provider. At $481 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
Wolcott is Amica, offering
rates of around $4577 for six
months.
Save up to $971/yr on car insurance rates in Wolcott.
Car Insurance Rates with An Accident in Wolcott
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 Wolcott, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wolcott
The cheapest car insurance companies after an at-fault accident in
Wolcott include Amica Mutual
and Kemper, offering $589
and $617,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3894.
Here is a list of driving violations that can increase your car
insurance rates in Wolcott CT. For example, the car
insurance in Wolcott
after a DUI increases to $2160 for a six
month policy. While the rate increases by $284 for a six-month policy in the case of
a speeding ticket.
Wolcott auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1382
$230
One Med/PIP claim
$1382
$235
Not-at-fault accident
$1428
$238
Two Med/PIP claims
$1435
$244
One comp claim
$1456
$243
Two comp claims
$1544
$262
Driving without lights
$1605
$268
Failure to wear a seat belt
$1626
$276
Child safety restraint
$1645
$275
Failure to show documents
$1652
$280
Speeding 6 - 10 MPH over limit
$1666
$278
Driving with expired registration
$1672
$284
Speeding 11 - 15 MPH over limit
$1672
$279
Speeding 16 - 20 MPH over limit
$1672
$284
Cell phone violation
$1679
$280
Texting while driving
$1679
$285
Driving too slowly
$1686
$282
Failure to stop at a red light
$1686
$286
Failure to yield
$1686
$282
Following too closely
$1686
$286
Illegal turn
$1686
$282
Improper passing
$1693
$288
Wrong way/wrong lane
$1693
$283
Speeding in school zone
$1700
$290
Speeding 21 - 25 MPH over limit
$1720
$286
At-fault accident - less than $1000
$1741
$296
In 65 MPH zone
$1808
$301
Operating a vehicle without permission
$1868
$318
Open container
$1971
$328
At-fault accident - $1000-$2000
$2160
$367
At-fault accident - greater than $2000
$2160
$360
Passing school bus
$2526
$430
Reckless driving
$3325
$554
Racing
$3427
$583
Driving with a suspended license
$3453
$576
Refusal to submit to a chemical test
$3480
$592
DUI
$3542
$591
Leaving scene of an accident/hit and run
$3602
$612
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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 Wolcott 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 Wolcott.
The cheapest car insurance premiums in
Wolcott are
offered by Kemper at $751 for a six-month policy.
However, it can be as
expensive as $20064 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 Wolcott are offered by Nationwide
at $467. However,
it can be as expensive as $2188
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Wolcott after Speeding ticket
Car Insurance Price Trends in Wolcott,
Connecticut
Car insurance rates in Wolcott have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wolcott rose by
$271 in December
compared to $267 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 Wolcott rose to $98 in December,
compared to $95 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
Wolcott. At $2779 for a
six-month policy, insuring
your car at 6716 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 Wolcott?
The car insurance in Wolcott is $54 per month, which is lower than the national average.
What is the cheapest car insurance in Wolcott?
The cheapest car insurance in Wolcott
is $114 per month
for full coverage.
How much is car insurance in Wolcott for teenagers?
Car insurance for teenagers costs $420 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
Wolcott?
The average cost of car insurance is $1219 for a six-month
policy. It will cost around $234 per month to insure your
car in Wolcott.
Is car insurance expensive in Wolcott?
Car insurance can be expensive in Wolcott if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wolcott can be
affordable.
What is the best car insurance in Wolcott,
CT?
The best car insurance company in Wolcott
CT is
Travelers, offering $670 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Wolcott, CT
Car Insurance Rates by State in the USA (2025 Update)
Wolcott Car Insurance
