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 $272 and the national average of $182.
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.
Quick Facts
State Farm is the cheapest insurer for both liability-only and full-coverage car insurance in Stamford, Insurify data shows.
CSAA and Progressive are the second- and third-cheapest car insurance companies in Stamford.
Stamford had the second-lowest rate of fatal injuries among large Connecticut cities between 2020 and 2023, according to state data.
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.
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 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 $240 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.
Stamford car insurance FAQs
Many factors, including location, affect car insurance rates. Understanding your rating factors can help ensure you find the coverage you need at the best price available to you. To help you get started, here are answers to some commonly asked questions about Stamford car insurance.
How much is car insurance in Stamford?
On average, Stamford drivers pay $302 per month for full-coverage car insurance and $199 for liability only, Insurify data shows. But your rates may be higher or lower than the city average, depending on many factors, including your age, gender, and driving history.
Which companies have the cheapest car insurance in Stamford?
State Farm offers the cheapest car insurance for Stamford drivers, with minimum-coverage rates starting at $105 per month.
Stamford drivers can also find affordable coverage through the city’s second- and third-cheapest insurers, CSAA and Progressive, which offer liability coverage as low as $105 and $116 per month, respectively.
What are the best car insurance companies in Stamford?
Many good companies offer car insurance in Stamford, but State Farm, GEICO, and USAA are among the best. All three have better-than-average ratings in the 2023 J.D. Power U.S. Auto Insurance Study, meaning you’re more likely to have a good experience working with these companies.
All three offer competitive rates for Connecticut drivers, too. For example, GEICO’s average quote for liability-only coverage in Connecticut is $141 per month.
How much is car insurance in CT per month?
Car insurance in Connecticut costs $272 per month for full coverage and $185 for liability-only policies on average, Insurify data shows. By comparison, the national average cost of full coverage is $182 per month, and liability coverage is $103 monthly.
Why is car insurance so high in Connecticut?
Many factors contribute to Connecticut’s higher car insurance costs. The state’s relatively high population density means more congestion on the roads and a higher risk of accident claims. Also, Connecticut’s fatality rate (1.13 in 2023) is higher than the rates in neighboring states like New York, Pennsylvania, New Jersey, and Vermont.4
A high median income may also mean Connecticut residents are more likely to buy more expensive vehicles that are more costly to repair or replace.
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