Cheapest Car Insurance Quotes in Woodmont

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Woodmont Car Insurance

^$ 60

/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 Woodmont

The car insurance rate in Woodmont is $1631 for a six-month policy, which is $200 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $833, making it a popular choice for budget-conscious drivers. Rates in Woodmont 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 Woodmont

$1631

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Woodmont

1st place: Kemper

At $833 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $860 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1009 for six months, making it the third cheapest auto insurance company in Woodmont.

Woodmont Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodmont, CT is Kemper, offering policies at just $833 for a six-month term. This is followed by Travelers, which has an average six-month premium of $860.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3826 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodmont drivers find the best deals.

Cheap Car Insurance Companies in Woodmont, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$833	$140
Travelers	$860	$146
USAA	$1009	$170
Amica Mutual	$1124	$189
State Farm	$1347	$227
Progressive	$1497	$252
Allstate	$1619	$272
Nationwide	$1672	$282
Amica	$1781	$296
Farmers	$2384	$406
Hanover	$3826	$644

Key Takeaways

Way's key takeaways about car insurance in Woodmont

The auto insurance costs in Woodmont fall around $833 for six months.
The cheapest auto insurance company in Woodmont is USAA.
Teen drivers pay the highest rate in Woodmont at $1606 per month.

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Cheapest Minimum Liability Car Insurance in Woodmont

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 Woodmont are given below.

USAA provides the cheapest minimum car insurance coverage in Woodmont. Their Average 6 Month Premium is $352. Farmers is the most expensive at $1104 for the same period.

Cheapest Liability Coverage in Woodmont, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$352	$60
Kemper	$373	$63
Amica Mutual	$502	$84
Amica	$508	$84
Progressive	$528	$89
State Farm	$555	$93
Nationwide	$622	$105
Allstate	$725	$122
Hanover	$1442	$245
Travelers	$318	$54
Farmers	$1104	$188

Cheapest Full Coverage Car Insurance in Woodmont

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 Woodmont is Kemper at $140 per month and $833 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodmont, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$833	$140
Travelers	$860	$146
USAA	$1009	$170
Amica Mutual	$1124	$189
State Farm	$1347	$227
Progressive	$1497	$252
Allstate	$1619	$272
Nationwide	$1672	$282
Amica	$1781	$296
Farmers	$2384	$406
Hanover	$3826	$644

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Average Car Insurance in Woodmont 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 Woodmont, CT increasing?

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

Car Insurance Premiums by Age in Woodmont

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 Woodmont,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Woodmont at $71 per month. At $9446 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$420	$71
Amica Mutual	$521	$87
USAA	$1428	$241
Amica	$2526	$425
Allstate	$2796	$471
State Farm	$2992	$504
Progressive	$4233	$712
Nationwide	$5844	$984
Hanover	$8932	$1518
Farmers	$9040	$1507
Travelers	$9446	$1606

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 Woodmont, 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 Woodmont is Amica, offering rates of around $5600 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$481	$80
Amica Mutual	$880	$149
USAA	$1679	$280
Travelers	$1700	$290
Progressive	$2011	$339
Allstate	$2195	$369
Nationwide	$2303	$388
State Farm	$3907	$658
Farmers	$4801	$800
Amica	$5600	$952

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Car Insurance Rates with An Accident in Woodmont

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

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

The cheapest car insurance companies after an at-fault accident in Woodmont include Amica Mutual and Kemper, offering $589 and $617, respectively. Hanover is an expensive provider with an average six-month premium of $6832.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$589	$98
Kemper	$617	$104
State Farm	$961	$162
Travelers	$961	$163
USAA	$975	$164
Amica	$1727	$291
Progressive	$2052	$345
Nationwide	$2614	$440
Allstate	$4916	$820
Farmers	$5451	$927
Hanover	$6832	$1139

Woodmont Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodmont CT. For example, the car insurance in Woodmont 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.

Woodmont 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 Woodmont 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 Woodmont.

The cheapest car insurance premiums in Woodmont are offered by Kemper at $751 for a six-month policy. However, it can be as expensive as $20064 with companies like Hanover.

Woodmont car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$751	$127
Progressive	$1435	$242
USAA	$1442	$243
Travelers	$1483	$247
Allstate	$1842	$310
State Farm	$1875	$316
Amica Mutual	$3108	$523
Nationwide	$3460	$583
Farmers	$5708	$970
Amica	$6251	$1042
Hanover	$20064	$3412

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 Woodmont are offered by Kemper at $474. However, it can be as expensive as $5445 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Woodmont after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$474	$79
Amica Mutual	$576	$98
State Farm	$1165	$196
Travelers	$1165	$198
USAA	$1165	$194
Allstate	$1320	$222
Nationwide	$1645	$277
Progressive	$1774	$299
Amica	$2066	$344
Farmers	$3047	$519
Hanover	$5445	$907

Car Insurance Price Trends in Woodmont, Connecticut

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

The average cost of full coverage in the Woodmont rose by $376 in January compared to $271 of December. In other words, there has been an increase by $105 when you compare January and December.

The average cost of liability insurance in the Woodmont dipped to $92 in January, compared to $98 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Woodmont?

The car insurance in Woodmont is $60 per month, which is lower than the national average.

What is the cheapest car insurance in Woodmont?

The cheapest car insurance in Woodmont is $140 per month for full coverage.

How much is car insurance in Woodmont 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 Woodmont?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $275 per month to insure your car in Woodmont.

Is car insurance expensive in Woodmont?

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

What is the best car insurance in Woodmont, CT?

The best car insurance company in Woodmont CT is Kemper, offering $833 for a six-month policy.