Cheapest Auto Insurance in Stamford, Connecticut (2025)
State Farm offers the cheapest car insurance in Stamford, with minimum-coverage policies starting at $105 per month.
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The average monthly cost for full-coverage car insurance in Stamford, Connecticut, is $302, compared to the state average of $282 and the national average of $184.
Stamford may see cheaper premiums compared to other Connecticut cities because it experiences fewer crashes than major cities with similar population sizes.1 But Connecticut’s vulnerability to severe weather, increased accident rates across the state, and persistent traffic congestion contribute to higher insurance costs for all residents.
Comparing car insurance rates from multiple insurance companies can help Stamford drivers find the most affordable coverage for their needs.
3 of the cheapest car insurance companies in Stamford
For many drivers in Stamford, State Farm, GEICO, and USAA offer competitive rates. You can see different rates on your auto insurance policy based on a number of factors. For example, your driving record is an indicator of your risk of filing a claim. The higher your risk level is, the more expensive your rates will be.
Your policy’s coverage type and amount also affect your premium. While comprehensive or specialized coverages increase your protection, you’ll have to pay more for them than for a policy with only minimum coverage.
Best insurer for mileage-based insurance: State Farm
Best insurer for drivers with clean records: GEICO
Best insurer for military families: USAA
How to get the cheapest car insurance in Stamford
Factors like location, age, gender, marital status, and driving history influence your car insurance premium. The good news is that you don’t have to settle for the first price you get.
If you live in Connecticut, here are several ways to get a car insurance policy in your budget:
Compare prices. If you’re not shopping around regularly, you may not get the lowest rates on your auto policy. It’s a good idea to look for car insurance at least once a year to find the best rates. Using a quote-comparison tool can expedite the process.
Maintain or improve your driving record. Your driving record indicates how likely you are to get in an accident and file a claim. As a result, it affects the car insurance rates you receive. If you have a moving violation like an at-fault accident, investing in a defensive driving course could improve your confidence on the road.
Seek discounts. Review your insurer’s website or call your insurance agent for discounts you may qualify for. A popular discount is the multi-policy discount, which saves you more if you buy multiple insurance products from the same company. For example, you can bundle your auto insurance with your home insurance and renters insurance policy for a discount.
Increase your deductible. A deductible is the amount you pay out of pocket before your insurance company pays your claim. Choosing a higher deductible leads to cheaper premiums. If you opt for a higher deductible, be sure to save up for it in case you have to file a claim.
Consider pay-per-mile insurance. Pay-per-mile insurance calculates your premiums based on how many miles you drive. If you clock fewer miles than the average driver, it could save you more money than a traditional full-coverage policy.
Cheapest liability-only car insurance in Stamford: State Farm
Like most states, Connecticut requires all drivers to have a minimum amount of liability insurance. If you cause an accident, your liability coverage pays for the other driver’s property damages and injuries. It doesn’t cover your losses.
In Stamford, the average cost of liability car insurance is $199 per month. Here are liability-only quotes from some top insurers in Stamford.
Cheapest full-coverage car insurance in Stamford: State Farm
While your liability car insurance takes care of other drivers’ damages, full-coverage car insurance takes care of yours. If you’re in a car accident, full coverage can pay to repair or replace your vehicle, regardless of who’s at fault.
While buying liability-only insurance can save you a good amount of money, it’s likely not enough coverage to protect you if you’re in an accident. Drivers who commute regularly and live in an area with high-risk factors should carry full-coverage insurance. If you lease or finance your car, most lenders will require you to carry collision and comprehensive coverage.
The average monthly cost of full-coverage car insurance in Stamford sits at $302. Below, you’ll find the cost of full-coverage policies with different car insurance companies.
Car insurance requirements in Connecticut
Connecticut is an at-fault state, so if you cause an accident, your insurer is responsible for paying the affected party’s medical bills and property damage.
Connecticut requires drivers to carry the following coverages:2
Insurance professionals typically recommend you carry more than your state’s minimum amount of coverage for better financial protection. Here are some optional coverages to consider:
Cheapest car insurance for drivers with an incident
Driving incidents such as speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations will increase your car insurance rates. Moving violations indicate you have a higher risk of filing a claim, and insurers adjust rates accordingly.
For example, the average monthly cost of liability-only car insurance for a Stamford driver with a clean record is $199, according to Insurify data. Speeding tickets boost that average to $233 per month. And a DUI has the biggest effect, raising the monthly average to $320.
Average cost of car insurance by age
Teen drivers pay the highest insurance rates due to their lack of experience behind the wheel and higher risk of getting into an accident. As you age and gain more experience, your insurance rates will drop.
Rates tend to drop around age 25, assuming you have a clean record. Rates begin to increase again around 70, as age-related changes to vision and reflexes put senior drivers at greater risk of accidents.
The table below shows average liability-only rates for Stamford drivers based on age.
Stamford car insurance quotes by credit tier
In Connecticut, insurance companies can consider your credit history when determining your rates. Insurance industry data shows that drivers with excellent or good credit scores file fewer claims. By contrast, drivers with poor credit scores file more.3 Drivers with better credit scores will see better rates on their policy.
The following chart illustrates average monthly quotes for Stamford drivers based on credit tier.