Cheapest Car Insurance Quotes In Bridgeport, CT For 2024

GEICO is notably the most affordable option in Bridgeport, with an average monthly rate of $37.

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Updated: 03 May 2024
Written by Bob Phillips
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When searching for the most budget-friendly car insurance in Bridgeport, CT, options can greatly vary, but one company, GEICO, stands out for its competitive rates. On average, residents can secure car insurance for about $37 per month, significantly lower than the state’s average of $160.

For those in search of the most economical liability-only coverage, GEICO is the clear choice. Meanwhile, for drivers seeking more comprehensive protection, GEICO also offers the best rates for full coverage policies, priced at $92 a month. Additionally, GEICO provides the most affordable rates for young drivers, averaging $105 per month.

Cheapest Car Insurance Companies In Bridgeport, CT

Our Methodology

Utilizing a comprehensive analysis that includes factors such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experiences, I've developed a detailed understanding of the car insurance landscape in Bridgeport, CT. This perspective is informed by over 15 years of personal involvement in the industry as a licensed insurance agent. It's shaped by numerous interactions with representatives from various companies and insights gained from firsthand experience.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Bridgeport, CT?

GEICO provides the most affordable car insurance in Bridgeport, CT, with coverage available for $200 a month.

However, it’s worth noting that these rates are notably higher than the average rates in both the State of Connecticut and the United States as a whole, as depicted in the table below:

Area Average Monthly Rate
National $152
Connecticut $160
Bridgeport, CT $200

It’s essential to consider that the average national cost incorporates both high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates can fluctuate depending on various factors, including the type of vehicle, coverage amount, zip code, driving record, and more. Therefore, car insurance rates vary by location and individual circumstances.

Cheapest Car Insurance Rates In Bridgeport For Seniors

USAA offers the most affordable car insurance rates for seniors in Bridgeport, averaging $87 per month.

Provider Average Monthly Cost Average Annual Cost
USAA $87 $1,040
Travelers $120 $1,438
Liberty Mutual $140 $1,678
Utica National $135 $1,618
State Farm $104 $1,249

In Connecticut, numerous seniors may discover favorable car insurance rates influenced by various advantageous factors. While age often plays a role in insurance rate determinations, with older age occasionally linked to decreased driving ability, this stereotype does not universally apply.

Cheapest Car Insurance Rates In Bridgeport For Full Coverage

GEICO offers the most economical car insurance rates for full coverage in Bridgeport, with an average of $92 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $92 $1,286
Amica $95 $1,141
Kemper $103 $1,238
Nationwide $110 $1,314
State Farm $111 $1,326

Full coverage car insurance offers comprehensive protection that extends beyond the basic coverage required by law. This insurance typically combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of who is at fault.

Cheapest Car Insurance Rates In Bridgeport For Minimum Coverage

GEICO stands out as the most affordable car insurance provider for minimum coverage in Bridgeport, with an average monthly cost of $37.

Provider Average Monthly Cost Average Annual Cost
GEICO $37 $439
Amica $42 $500
Nationwide $43 $514
State Farm $48 $574
Kemper $49 $581

The minimum car insurance policy should include at least the following coverage:

  • $20,000; Bodily injury coverage per person
  • $40,000; Bodily injury coverage per accident
  • $10,000; Property damage per accident

Having minimum car insurance provides some protection while driving, but it does not include collision or comprehensive insurance. This means damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.

Driving without insurance is illegal in Connecticut. Failing to show proof of insurance during a traffic stop can result in penalties, including fines, license suspension, or other consequences.

Cheapest Car Insurance Rates In Bridgeport For Teenagers

Teenage drivers in Bridgeport can obtain the most affordable quotes from GEICO, with average monthly premiums of $195.

Provider Average Monthly Cost Average Annual Cost
State Farm $370 $4,472
GEICO $195 $2,335
Kemper $198 $2,375
Progressive $329 $3,958
Allstate $295 $3,544

Teenage drivers often contend with the highest car insurance premiums, primarily due to their lack of experience behind the wheel. Insurance providers deem these young drivers as high-risk due to their statistical tendency to be involved in accidents and commit traffic violations.

Cheapest Car Insurance Rates In Bridgeport For Young Adults

GEICO provides the most affordable quotes for young adults in Bridgeport, with rates averaging around $105 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $178 $2,132
GEICO $105 $1,260
Kemper $111 $1,328
Allstate $185 $2,224
Progressive $182 $2,188

In Connecticut, young adult drivers typically enjoy lower car insurance rates compared to their teenage counterparts. This difference in pricing is due to the development of driving habits and a decrease in risk-taking behaviors as drivers age.

Statistically, young adults are less likely to file claims with insurance companies, indicating a reduction in accident involvement. Consequently, insurers lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Bridgeport For Good Drivers

Good drivers in Bridgeport can find the most affordable car insurance quotes from GEICO, with rates averaging around $37 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $37 $439
Amica $42 $500
Nationwide $43 $514
State Farm $48 $574
Kemper $49 $581

Drivers with clean driving records in Bridgeport usually receive lower car insurance rates because they’re seen as less risky. Insurance companies evaluate driving records to assess how safely a person drives. Fewer incidents, such as accidents or traffic violations, indicate that the driver is careful and less likely to file a claim.

Since insurers determine rates based on the likelihood of a driver making a claim, a flawless driving record can result in substantial savings on premiums. It’s all about assessing risk – the cleaner the record, the lower the perceived risk, and, as a result, the lower the insurance cost.

Cheapest Car Insurance Rates In Bridgeport For Drivers With Prior Incidents

In Bridgeport, drivers with records of traffic violations, including accidents, speeding, or DUIs, often encounter challenges in obtaining affordable car insurance. These driving infractions lead insurance companies to categorize them as high-risk drivers, indicating a higher likelihood of filing future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts. This adjustment helps mitigate the financial risk associated with insuring drivers with a history of traffic violations.

Cheapest Car Insurance Rates In Bridgeport For Drivers With A Speeding Ticket

GEICO is notably inexpensive when compared to other insurance providers. On average, the company provides rates around $105 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $120 $1,438
Kemper $154 $1,846
Geico $105 $1,258
Allstate $130 $1,558
Progressive $165 $1,978

Cheapest Car Insurance Rates In Bridgeport For Drivers With An At-Fault Accident

For drivers who have been involved in an at-fault incident, GEICO offers the most affordable car insurance quotes. On average, these rates amount to $125 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $128 $1,534
Kemper $172 $2,084
Geico $125 $1,498
Progressive $210 $2,518
Allstate $215 $2,578

Cheapest Car Insurance Rates In Bridgeport For Drivers After A DUI

State Farm provides the lowest rates for drivers who have had a DUI. On average, they offer Bridgeport drivers monthly premiums of $120.

Provider Average Monthly Cost Average Annual Cost
State Farm $120 $1,438
Kemper $269 $3,286
Progressive $150 $1,798
Geico $275 $3,298
Allstate $185 $2,218

Best Car Insurance Companies In Bridgeport

When selecting a car insurance provider in Bridgeport, it’s crucial to balance affordable rates with dependable coverage. Listed below are the top 10 car insurance companies in Bridgeport, CT, ranked by the average monthly rate they offer.

Company Monthly Premium
Metropolitan $340
Liberty Mutual $210
Electric $225
Safeco $280
Utica National $170
USAA $103
Allstate $250
State Farm $159
Travelers $185
Nationwide $204

Average Car Insurance Rates By Age In Bridgeport

Age Average Yearly Rate
Teenagers $5,904
20s $3,336
30s $2,160
40s $1,980
50s $1,740
60s $1,980
70s $1,884

Age plays a crucial role in determining car insurance rates. Typically, younger drivers, particularly teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. As drivers reach the age of 25, their rates usually begin to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a measure to assess driving experience and potential risk, which affects the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Bridgeport

Vehicle Average Monthly Rate
Acura Tl $940
Honda Civic $110
Hyundai Elantra $498
Chevrolet Malibu $73
Mercedes Benz Glc $369

The type of vehicle you own significantly impacts your car insurance expenses. Insurance companies consider factors like the make, model, year, and body type of your car. Typically, newer vehicles, especially luxury models equipped with advanced technology and higher replacement costs, tend to have higher insurance rates.

On the flip side, older cars or those that are less expensive to repair or replace may result in lower premiums. Insurers take these factors into account because they directly affect the potential cost of claims – for example, repairs for a high-end car are generally more expensive than for a standard vehicle. Moreover, certain car models known for their safety features may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Connecticut?

City Average Monthly Rate
Greenwich $135
Waterbury $176
Manchester $151
Stratford $172
New Britain $158
Stamford $157
Wallingford $127
West Hartford $143
Westport $132
Danbury $152

Your residential city plays a significant role in determining your car insurance rates. Insurance companies evaluate multiple factors associated with your location, such as the probability of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This elevated risk frequently results in higher premiums.

FAQs

Who has the lowest car insurance rates in Bridgeport?

In Bridgeport, the most affordable car insurance rates for both the minimum coverage mandated by the State of Connecticut and full coverage, encompassing comprehensive and collision coverage, are provided by GEICO.

What is the average cost of car insurance in Bridgeport?

On average, car insurance in Bridgeport amounts to around $200 per month. However, rates can fluctuate depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.

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