Cheapest Car Insurance Quotes in Branford

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408,850 Policies Sold

Branford Car Insurance

^$ 57

/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 Branford

The car insurance rate in Branford is $1352 for a six-month policy, which is $359 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $854, making it a popular choice for budget-conscious drivers. Rates in Branford 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 Branford

$1352

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Branford

1st place: Travelers

At $854 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $892 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $934 for six months, making it the third cheapest auto insurance company in Branford.

Branford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Branford, FL is Travelers, offering policies at just $854 for a six-month term. This is followed by State Farm, which has an average six-month premium of $892.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1887 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Branford drivers find the best deals.

Cheap Car Insurance Companies in Branford, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$854	$144
State Farm	$892	$150
Nationwide	$934	$157
United Automobile Ins Group	$1079	$183
UAIC	$1192	$201
Progressive	$1408	$237
Mercury	$2037	$340
Allstate	$2051	$345
MetLife	$1187	$202
Farmers	$1887	$314

Key Takeaways

Way's key takeaways about car insurance in Branford

The auto insurance costs in Branford fall around $854 for six months.
The cheapest auto insurance company in Branford is Mercury.
Teen drivers pay the highest rate in Branford at $1091 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Branford

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 Branford are given below.

Mercury provides the cheapest minimum car insurance coverage in Branford. Their Average 6 Month Premium is $338. Farmers is the most expensive at $521 for the same period.

Cheapest Liability Coverage in Branford, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$338	$57
Nationwide	$375	$64
MetLife	$394	$66
AIG	$441	$75
United Automobile Ins Group	$568	$95
Travelers	$657	$111
State Farm	$972	$164
Progressive	$1623	$273
Allstate	$1821	$307
UAIC	$2126	$362
Patrons Insurance	$99	$17
Farmers	$521	$87

Cheapest Full Coverage Car Insurance in Branford

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 Branford is Travelers at $144 per month and $854 for six months.

Cheapest Full Coverage Car Insurance Quotes in Branford, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$854	$144
State Farm	$892	$150
Nationwide	$934	$157
United Automobile Ins Group	$1079	$183
UAIC	$1192	$201
Progressive	$1408	$237
Mercury	$2037	$340
Allstate	$2051	$345
MetLife	$1187	$202
Farmers	$1887	$314

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Average Car Insurance in Branford 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 Branford, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Branford, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Branford's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Branford

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 Branford,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Branford at $71 per month. At $6415 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$427	$71
AIG	$577	$98
Travelers	$1544	$260
State Farm	$1905	$321
United Automobile Ins Group	$2661	$443
UAIC	$2726	$464
Allstate	$4054	$683
Mercury	$5002	$842
Progressive	$7353	$1238
Farmers	$6415	$1091

Teen Car Insurance Rates in FL 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 Branford, Nationwide is the cheapest car insurance provider. At $511 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 Branford is Farmers, offering rates of around $2609 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$511	$87
Mercury	$559	$93
Direct General Insurance	$582	$99
UAIC	$1197	$199
Travelers	$1417	$239
Progressive	$3787	$631
Allstate	$4054	$690
State Farm	$5077	$846
Farmers	$2609	$444

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Car Insurance Rates with An Accident in Branford

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 Branford, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Branford include Nationwide and AIG, offering $540 and $690, respectively. Farmers is an expensive provider with an average six-month premium of $2632.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$540	$90
AIG	$690	$117
State Farm	$873	$147
Travelers	$887	$149
United Automobile Ins Group	$1403	$234
Mercury	$1450	$244
UAIC	$1567	$261
Progressive	$2586	$435
Allstate	$3585	$604
Farmers	$2632	$438

Branford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Branford FL. For example, the car insurance in Branford after a DUI increases to $741 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Branford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1441	$240
One Med/PIP claim	$1441	$245
Not-at-fault accident	$1558	$260
Two Med/PIP claims	$1601	$272
One comp claim	$1623	$271
Child safety restraint	$1628	$277
Failure to wear a seat belt	$1628	$272
Driving without lights	$1633	$277
Failure to show documents	$1633	$273
Speeding 6 - 10 MPH over limit	$1666	$284
Improper passing	$1671	$278
Passing school bus	$1671	$284
Wrong way/wrong lane	$1671	$278
Failure to stop at a red light	$1676	$285
Failure to yield	$1676	$279
Illegal turn	$1676	$285
Cell phone violation	$1680	$280
Driving with expired registration	$1680	$286
Following too closely	$1680	$280
Texting while driving	$1684	$287
Two comp claims	$1722	$287
Driving too slowly	$1732	$295
Speeding in school zone	$1732	$288
Speeding 11 - 15 MPH over limit	$1736	$295
In 65 MPH zone	$1797	$299
Speeding 16 - 20 MPH over limit	$1797	$306
Speeding 21 - 25 MPH over limit	$1807	$301
Open container	$1826	$310
Operating a vehicle without permission	$1826	$304
At-fault accident - less than $1000	$1981	$337
At-fault accident - $1000-$2000	$2013	$336
At-fault accident - greater than $2000	$2013	$342
Racing	$2177	$363
DUI	$2182	$371
Refusal to submit to a chemical test	$2182	$363
Driving with a suspended license	$2220	$378
Reckless driving	$2267	$378
Leaving scene of an accident/hit and run	$2290	$389

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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 Branford 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 Branford.

The cheapest car insurance premiums in Branford are offered by AIG at $507 for a six-month policy. However, it can be as expensive as $2145 with companies like Farmers.

Branford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$507	$86
Travelers	$972	$164
State Farm	$1206	$203
Progressive	$1337	$225
Allstate	$1811	$305
UAIC	$2126	$354
Farmers	$2145	$357

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 Branford are offered by Nationwide at $441. However, it can be as expensive as $2290 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Branford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$441	$73
State Farm	$704	$119
Travelers	$868	$146
UAIC	$1197	$204
Allstate	$1295	$218
Progressive	$3041	$517
Farmers	$2290	$389

Car Insurance Price Trends in Branford, Florida

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

The average cost of full coverage in the Branford rose by $224 in February compared to $202 of January. In other words, there has been an increase by $22 when you compare February and January.

The average cost of liability insurance in the Branford rose to $152 in February, compared to $66 in January. This represents an increase of $86 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Branford?

The car insurance in Branford is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Branford?

The cheapest car insurance in Branford is $144 per month for full coverage.

How much is car insurance in Branford for teenagers?

Car insurance for teenagers costs $427 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 Branford?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $227 per month to insure your car in Branford.

Is car insurance expensive in Branford?

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

Cheapest Car Insurance Quotes in Branford

Why you can trust Way?

How Much Is Car Insurance in Branford

Avg. Car Insurance in Branford

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Branford

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Branford Car Insurance Rates by Company

Cheap Car Insurance Companies in Branford, FL

Way's key takeaways about car insurance in Branford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Branford

Cheapest Liability Coverage in Branford, FL

Cheapest Full Coverage Car Insurance in Branford

Cheapest Full Coverage Car Insurance Quotes in Branford, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Branford by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Branford, FL increasing?

Car Insurance Premiums by Age in Branford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Branford,FL

If you are in your twenties N/A is the best choice for car insurance in Branford.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Branford

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

Branford Car Insurance Rates by Violation

Branford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Branford after a DUI

Branford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Branford after Speeding ticket

Car Insurance Price Trends in Branford, Florida

Average Car Insurance Cost in Branford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Branford, FL

Car Insurance Rates by State in the USA (2025 Update)

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