Cheapest Auto Insurance in Bridgeport, Connecticut (2025)
State Farm offers the cheapest car insurance in Bridgeport, with minimum-coverage policies as low as $125 per month.
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Bridgeport is the most populated city in Connecticut, and drivers face expensive car insurance rates. The average monthly car insurance premium in Bridgeport is $299 per month, which is much higher than the state average of $229 and the national average of $143.
The city has a relatively high population density of about 9,000 people per square mile, which can cause the kind of traffic congestion that contributes to higher car insurance rates. More people on the road in an area leads to increased chances for auto accidents and property damage.1
Despite above-average rates, comparing quotes can help you find affordable coverage. Here’s what you need to know about finding a cheap car insurance policy in Bridgeport.
Quick Facts
State Farm, CSAA, and Progressive are the cheapest car insurance companies in Bridgeport.
Bridgeport drivers pay $244 per month for liability insurance and $354 for full-coverage insurance, on average.
Connecticut auto insurers can consider your credit-based insurance score when determining premiums.2
3 of the cheapest car insurance companies in Bridgeport
Bridgeport drivers have a wide selection of car insurance companies to consider when searching for affordable car insurance. Choosing the right insurer for you involves comparing quotes from different companies to find the best coverage and price for your needs.
Here’s a breakdown of a few of the top auto insurers in Bridgeport. The average quotes reflect statewide insurance costs in Connecticut.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
Best insurer for discounts: GEICO
Best insurer for the military community: USAA
How to get the cheapest car insurance in Bridgeport
Car insurance rates can vary significantly by driver depending on various factors such as driving history, vehicle year and model, and ZIP code. It’s a good idea to compare multiple quotes to help you find a cheap policy that meets your coverage needs.
In addition to shopping around, you can use a few strategies to find cheap car insurance in Bridgeport:
Purchase minimum coverage. If you have an old or inexpensive vehicle, you can benefit from buying liability-only coverage because it’s cheaper than full-coverage insurance. But it means less protection for your vehicle and finances.
Increase your deductible. Raising your deductible can help you save money on your car insurance premium. Increasing your deductible means you’ll pay higher out-of-pocket costs in the event of a car accident, but you benefit from lower monthly premiums.
Maintain a clean driving record. Try to keep your driving record clean, as drivers with clean driving records generally pay less for car insurance than drivers with violations, such as at-fault accidents and speeding tickets.
Cheapest liability-only car insurance in Bridgeport: State Farm
Liability-only car insurance covers injuries and damages you cause to others in a car accident. For example, if you cause a car accident, your liability insurance will cover the cost to repair or replace the other person’s vehicle up to the limits listed in your liability auto policy.
Liability insurance doesn’t cover the injuries or damages you suffer in a car accident, which is why many drivers purchase additional insurance, such as comprehensive and collision coverage.
In Bridgeport, liability-only car insurance rates start as low $125 per month.
Here are some of the cheapest average car insurance rates for liability-only policies in Bridgeport.
Cheapest full-coverage car insurance in Bridgeport: State Farm
Full-coverage car insurance offers broader protection than liability-only insurance. It typically includes comprehensive, collision, and liability insurance. Experts generally recommend full-coverage insurance for drivers with a newer or more valuable vehicle that would be expensive to repair or replace with out-of-pocket funds.
If you have a vehicle loan or lease, your lender may require you to purchase a full-coverage policy. Even if you don’t need to purchase it, you should consider full-coverage insurance for added vehicle and financial protection.
Full-coverage car insurance policies in Bridgeport start at $168 per month. Compare some of the cheapest average rates for full-coverage car insurance in Bridgeport below.
Car insurance requirements in Connecticut
Connecticut law requires all drivers to buy a minimum amount of liability insurance. Connecticut has a fault-based (tort) system when it comes to financial responsibility following a car accident.2 In a fault-based system, the driver responsible for causing a car accident must cover the other party’s resulting damage and injury.
If you cause an accident, your liability car insurance will generally cover the resulting losses up to the limits specified in your policy.
Here are the specific minimum-coverage requirements in Connecticut:3
If you want stronger protection for your vehicle, consider buying these common optional coverages:
Cheapest car insurance for drivers with an incident
Having past incidents on the road, such as at-fault accidents, speeding tickets, DUIs, and other moving violations, can increase your car insurance premium. Insurance companies see drivers with incidents as riskier than drivers with clean driving records.
The average cost of liability insurance for Bridgeport drivers with a past incident is $286 per month. You can try to lower your car insurance after an incident by shopping around and taking a defensive driving course.
Compare the cost of liability insurance for drivers with a past incident below.
Average cost of car insurance by age
Your age is one of the most significant factors auto insurance companies consider when setting rates. Teen drivers pay the highest car insurance premiums because they have the highest crash rate out of any other group.4
Car insurance premiums generally decrease for drivers around age 35 but increase around age 70 because older drivers have a higher accident rate and are more likely to suffer serious injuries in a car accident than young adults.5
The table below includes the average monthly car insurance quotes for different age groups in Bridgeport.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Bridgeport car insurance quotes by credit tier
Like most states, Connecticut allows car insurance companies to consider a driver’s credit-based insurance score when setting rates. Insurance companies typically view people with bad credit scores as riskier to insure than drivers with excellent or good credit scores. For this reason, drivers with good credit pay cheaper rates than drivers with bad credit.
Here are the average monthly full-coverage car insurance quotes by credit tier for Bridgeport drivers.
Bridgeport car insurance FAQs
Before you start shopping around for insurance quotes, you should determine the right amount of coverage for your unique needs. The following information should help answer your remaining questions.
How much is car insurance in Bridgeport?
The overall cost of car insurance in Bridgeport is $299 per month. On average, Bridgeport drivers pay $244 per month for liability insurance and $354 for full-coverage insurance. Ultimately, your car insurance premium will depend on your driving record, age, credit history, and more.
Which companies have the cheapest car insurance in Bridgeport?
The cost of liability car insurance from State Farm is $125 per month, making it the cheapest insurer in Bridgeport. CSAA and Progressive also have cheap liability insurance, with monthly rates of $125 and $138, respectively. The easiest way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Bridgeport?
With an AM Best financial strength rating of A++ (Superior), an Insurify Quality (IQ) Score of 9.3 out of 5, and customizable coverage options, State Farm is the best car insurance company in Bridgeport. Drivers in Connecticut with State Farm coverage pay $108 per month for liability insurance and $146 for full-coverage insurance, on average.
USAA, GEICO, and Travelers are three other top insurers in Bridgeport.
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