Cheapest Car Insurance Quotes in Woodbury Center

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Woodbury Center Car Insurance

^$ 51

/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 Woodbury Center

The car insurance rate in Woodbury Center is $1388 for a six-month policy, which is $43 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $709, making it a popular choice for budget-conscious drivers. Rates in Woodbury Center 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 Woodbury Center

$1388

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Woodbury Center

1st place: Kemper

At $709 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $731 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $858 for six months, making it the third cheapest auto insurance company in Woodbury Center.

Woodbury Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodbury Center, CT is Kemper, offering policies at just $709 for a six-month term. This is followed by Travelers, which has an average six-month premium of $731.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3255 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodbury Center drivers find the best deals.

Cheap Car Insurance Companies in Woodbury Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$709	$119
Travelers	$731	$124
USAA	$858	$145
Amica Mutual	$956	$161
State Farm	$1147	$193
Progressive	$1274	$214
Allstate	$1377	$232
Nationwide	$1423	$240
Amica	$1515	$252
Farmers	$2028	$345
Hanover	$3255	$548

Key Takeaways

Way's key takeaways about car insurance in Woodbury Center

The auto insurance costs in Woodbury Center fall around $709 for six months.
The cheapest auto insurance company in Woodbury Center is USAA.
Teen drivers pay the highest rate in Woodbury Center at $1367 per month.

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Cheapest Minimum Liability Car Insurance in Woodbury Center

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 Woodbury Center are given below.

USAA provides the cheapest minimum car insurance coverage in Woodbury Center. Their Average 6 Month Premium is $300. Farmers is the most expensive at $939 for the same period.

Cheapest Liability Coverage in Woodbury Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$300	$51
Kemper	$317	$53
Amica Mutual	$427	$72
Amica	$433	$72
Progressive	$449	$76
State Farm	$472	$80
Nationwide	$530	$89
Allstate	$617	$104
Hanover	$1227	$209
Travelers	$271	$46
Farmers	$939	$160

Cheapest Full Coverage Car Insurance in Woodbury Center

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 Woodbury Center is Kemper at $119 per month and $709 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodbury Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$709	$119
Travelers	$731	$124
USAA	$858	$145
Amica Mutual	$956	$161
State Farm	$1147	$193
Progressive	$1274	$214
Allstate	$1377	$232
Nationwide	$1423	$240
Amica	$1515	$252
Farmers	$2028	$345
Hanover	$3255	$548

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Average Car Insurance in Woodbury Center 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 Woodbury Center, CT increasing?

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

Car Insurance Premiums by Age in Woodbury Center

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 Woodbury Center,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Woodbury Center at $60 per month. At $8037 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$357	$60
Amica Mutual	$443	$74
USAA	$1215	$205
Amica	$2150	$362
Allstate	$2379	$401
State Farm	$2546	$429
Progressive	$3602	$606
Nationwide	$4972	$837
Hanover	$7600	$1292
Farmers	$7692	$1282
Travelers	$8037	$1367

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 Woodbury Center, Kemper is the cheapest car insurance provider. At $409 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 Woodbury Center is Amica, offering rates of around $4765 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$409	$68
Amica Mutual	$749	$127
USAA	$1429	$239
Travelers	$1446	$246
Progressive	$1711	$288
Allstate	$1867	$314
Nationwide	$1959	$330
State Farm	$3324	$560
Farmers	$4085	$681
Amica	$4765	$810

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Car Insurance Rates with An Accident in Woodbury Center

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

Cheapest Car Insurance Companies after an At-Fault Accident in Woodbury Center

The cheapest car insurance companies after an at-fault accident in Woodbury Center include Amica Mutual and Kemper, offering $501 and $525, respectively. Hanover is an expensive provider with an average six-month premium of $5813.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$501	$83
Kemper	$525	$88
State Farm	$818	$138
Travelers	$818	$139
USAA	$829	$140
Amica	$1470	$247
Progressive	$1746	$294
Nationwide	$2224	$374
Allstate	$4183	$697
Farmers	$4639	$789
Hanover	$5813	$969

Woodbury Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodbury Center CT. For example, the car insurance in Woodbury Center after a DUI increases to $1838 for a six month policy. While the rate increases by $241 for a six-month policy in the case of a speeding ticket.

Woodbury Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1176	$196
One Med/PIP claim	$1176	$200
Not-at-fault accident	$1215	$203
Two Med/PIP claims	$1221	$208
One comp claim	$1239	$207
Two comp claims	$1313	$223
Driving without lights	$1366	$228
Failure to wear a seat belt	$1383	$235
Child safety restraint	$1400	$234
Failure to show documents	$1406	$239
Speeding 6 - 10 MPH over limit	$1417	$237
Driving with expired registration	$1423	$242
Speeding 11 - 15 MPH over limit	$1423	$238
Speeding 16 - 20 MPH over limit	$1423	$242
Cell phone violation	$1429	$239
Texting while driving	$1429	$243
Driving too slowly	$1435	$240
Failure to stop at a red light	$1435	$243
Failure to yield	$1435	$240
Following too closely	$1435	$243
Illegal turn	$1435	$240
Improper passing	$1440	$245
Wrong way/wrong lane	$1440	$241
Speeding in school zone	$1446	$246
Speeding 21 - 25 MPH over limit	$1464	$243
At-fault accident - less than $1000	$1481	$252
In 65 MPH zone	$1538	$256
Operating a vehicle without permission	$1590	$271
Open container	$1677	$279
At-fault accident - $1000-$2000	$1838	$312
At-fault accident - greater than $2000	$1838	$307
Passing school bus	$2150	$366
Reckless driving	$2829	$471
Racing	$2916	$496
Driving with a suspended license	$2938	$490
Refusal to submit to a chemical test	$2961	$503
DUI	$3014	$502
Leaving scene of an accident/hit and run	$3065	$521

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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 Woodbury Center 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 Woodbury Center.

The cheapest car insurance premiums in Woodbury Center are offered by Kemper at $639 for a six-month policy. However, it can be as expensive as $17072 with companies like Hanover.

Woodbury Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$639	$108
Progressive	$1221	$206
USAA	$1227	$207
Travelers	$1262	$210
Allstate	$1568	$264
State Farm	$1596	$269
Amica Mutual	$2644	$445
Nationwide	$2944	$496
Farmers	$4857	$825
Amica	$5319	$887
Hanover	$17072	$2903

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 Woodbury Center are offered by Kemper at $404. However, it can be as expensive as $4633 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Woodbury Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$404	$67
Amica Mutual	$490	$83
State Farm	$991	$167
Travelers	$991	$169
USAA	$991	$165
Allstate	$1123	$189
Nationwide	$1400	$236
Progressive	$1509	$254
Amica	$1758	$293
Farmers	$2593	$441
Hanover	$4633	$772

Car Insurance Price Trends in Woodbury Center, Connecticut

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

The average cost of full coverage in the Woodbury Center rose by $320 in January compared to $231 of December. In other words, there has been an increase by $89 when you compare January and December.

The average cost of liability insurance in the Woodbury Center dipped to $79 in January, compared to $83 in December. This represents an decrease of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Woodbury Center?

The car insurance in Woodbury Center is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Woodbury Center?

The cheapest car insurance in Woodbury Center is $119 per month for full coverage.

How much is car insurance in Woodbury Center for teenagers?

Car insurance for teenagers costs $357 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 Woodbury Center?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $234 per month to insure your car in Woodbury Center.

Is car insurance expensive in Woodbury Center?

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

What is the best car insurance in Woodbury Center, CT?

The best car insurance company in Woodbury Center CT is Kemper, offering $709 for a six-month policy.