On average, car insurance in Putnam costs $148 per month for minimum liability coverage, or about $148 per month for full-coverage insurance. Putnam drivers pay 10% less Connecticut’s state average.

Smart car insurance shoppers in Putnam

Connecticut

turn to Jerry every month, because Jerry makes it easy for customers to

compare and purchase affordable car insurance

Below are some of the cheapest car insurance quotes Jerry found for customers in Putnam.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 16, 2023	Nationwide	$178	Don, 35 Zip: 06260	Ford Escape SE	• 250,000/500,000 Liability • Comp / Collision
September 16, 2023	Progressive	$119	Craig, 23 Zip: 06260	Volkswagen NEW Beetle GLS	• State Minimum Liability
September 10, 2023	Safeco	$104	Shawn, 25 Zip: 06260	Jeep Liberty Sport	• 100,000/300,000 Liability
September 1, 2023	Plymouth Rock	$138	Hattie, 53 Zip: 06260	Dodge Avenger SE	• State Minimum Liability

Last Updated Sep 16, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Putnam

There’s no “one-size-fits-all” model for car insurance—and no single company can offer the best rates for every driver.

State Farm, Progressive, USAA, and GEICO have the largest market shares in Connecticut and may offer the most competitive rates for Connecticut drivers.

But bigger isn’t always better! State Farm is often named as the cheapest car insurance company in Connecticut—but in our survey, State Farm was rated just 2.6 out of 5.0 for cost.

Which insurers got the best ratings among Connecticut drivers? Safe Auto, Farmers, Safeco, and Bristol West all performed well, with average ratings above 4.5 for both policy cost and customer service.

Check out what Jerry customers rated various insurance providers below.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Geico	4.5	3.5	4.2	4.4
Progressive	4.4	3.9	3.2	4.3
Farmers	4	2.8	N/A	4.5
Liberty Mutual	3.9	3	N/A	3.9
State Farm	3.8	3.2	N/A	4.2

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Putnam

To legally hit the road in Putnam, Connecticut, drivers are required to carry set amounts of

liability insurance

and

uninsured/underinsured motorist insurance

But minimum coverage may not offer enough financial coverage in the event of an accident—so drivers in Putnam should consider purchasing full coverage for the best protection.

Cheap minimum liability insurance quotes in Putnam

The state minimum for liability coverage in Connecticut follows a 25/50/25 pattern—that means you need at least $25,000 per person and $50,000 per accident in

bodily injury liability coverage

, as well as $25,000 for

property damage liability coverage

per accident.

For uninsured motorist coverage, your policy should meet the same limits.

With this basic coverage, you’ll be protected up to your policy’s limits if you are responsible for injuries or property damage while driving.

Here are some examples of Putnam car owners that Jerry has assisted in obtaining minimum liability coverage.

Safeco

Antonio (33 years old)

Coverage

State Minimum

Putnam, CT (Zip Code: 06260)

Honda Accord Sport

$123

per month

National General

Katie (23 years old)

Coverage

State Minimum

Putnam, CT (Zip Code: 06260)

Volkswagen NEW Beetle GLS

$120

per month

Plymouth Rock

Hattie (53 years old)

Coverage

State Minimum

Putnam, CT (Zip Code: 06260)

Dodge Avenger SE

$138

per month

Do you need more than minimum coverage in Putnam?

Connecticut has fairly average liability insurance coverage requirements. But most drivers need more than the 25/50/25 state minimum.

In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the state’s 25/50/25 limit—especially if you cause serious injuries to another person. A totaled vehicle could cost well above $25,000, while medical bills can quickly exceed $50,000.

Moreover,

Connecticut car accident laws

set the statute of limitations for personal injury lawsuits to three years after a crash–so your liability will extend long after the actual incident passes.

The bottom line: For better financial protection, consider upgrading your liability coverage limits to 50/100/50 or even 100/300/100 liability coverage. Better yet, invest in a full-coverage policy.

Cheap full coverage car insurance quotes in Putnam

Full coverage car insurance

is the only way to protect yourself from costs associated with repairing or replacing your own vehicle.

Full coverage policies include

comprehensive

and

collision coverage

, in addition to your liability coverage.

Collision coverage helps cover the costs of repairs if your vehicle is damaged in an accident with another vehicle or stationary object (such as a tree or road sign).

Comprehensive coverage helps cover costs associated with non-collision incidents, such as theft, vandalism, falling objects, or hail.

Take a look at what real Jerry drivers paid for various levels of coverage below.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$87	May, 39 Zip: 06260	Ford Escape SE
• 250,000/500,000 Liability • Comp / Collision	Nationwide	$178	Don, 35 Zip: 06260	Ford Escape SE
• State Minimum Liability • Comp / Collision	Allstate	$257	Gene, 26 Zip: 06260	Volkswagen Passat SE
• State Minimum Liability • Comp / Collision	Safeco	$123	Antonio, 33 Zip: 06260	Honda Accord Sport
• State Minimum Liability • Comp / Collision	Plymouth Rock	$102	Jesus, 50 Zip: 06260	Honda Civic LX

Last Updated Sep 19, 2023

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.

Jerry,

a top insurance agency

, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Average cost of car insurance in Putnam

Based on Jerry’s work with drivers in Putnam , we’ve found that the average annual cost minimum liability coverage is $148 each year. That works out to about $1,770 per month. For full coverage, , we’ve found that the average annual cost minimum liability coverage is Putnam drivers typically pay $1,770 per year or $148 per month.

While average insurance rates can help you predict your own insurance costs, it's important to note that every driver's insurance premium is calculated differently.

Car insurance companies look at many different factors when

calculating your annual premiums

, including your demographics, driving record, and discount eligibility—so your actual insurance costs could vary significantly from the state averages.

Compare car insurance costs in other states

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Car insurance quotes in Putnam by rating factors

Insurance companies in Putnam use many rating factors when deciding your auto insurance premium:

Your driving record and claims history: Accidents, tickets, or other traffic violations on your driving record could result in higher premiums.

Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.

Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars.

Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.

How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.

How Do Different Factors Impact Your Car Insurance Costs in Putnam?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

Prohibited (or effectively prohibited): Connecticut currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Putnam:

Cheap car insurance quotes in Putnam after driving violations

Your driving history has a significant impact on car insurance rates. Violations on your record can drive up the cost of your annual premiums, especially if you have serious infractions.

Some common violations that could increase your insurance rates include:

Speeding

DUIs

At fault accident

Reckless driving

Driving on a suspended license

Cheapest car insurance in Putnam after an at-fault accident

Insurance companies look at previous at-fault accidents on your record to determine how much of a risk you pose to insure. If you have an at-fault accident on your

Connecticut driving record

, you could see a steep increase in your insurance rates when your policy is up for renewal.

See what Jerry drivers paid for insurance after various accident types below:

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$84	Elizabeth, 29 Zip: 06260	Toyota Highlander	• State Minimum Liability
Not At Fault	Allstate	$257	Noah, 26 Zip: 06260	Volkswagen Passat SE	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Nationwide	$178	Blake, 35 Zip: 06260	Ford Escape SE	• 250,000/500,000 Liability • Comp / Collision

Last Updated Sep 18, 2023

Cheapest car insurance in Putnam after other driving violations

Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry has helped other Putnam drivers find cheap car insurance despite previous violations.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Failure to Obey Signal	Progressive	$92	Julia, 25 Zip: 06260	Jeep Liberty Sport	• 100,000/300,000 Liability
Failure to Stop	Nationwide	$178	Amelia, 35 Zip: 06260	Ford Escape SE	• 250,000/500,000 Liability • Comp / Collision

Last Updated Sep 19, 2023

Cheap car insurance quotes in Putnam by age

Generally speaking, the golden bracket for low car insurance costs belongs to drivers between the ages of 25 and 75.

Whether you're a teenage driver or senior driver who falls outside these bounds, here's how to make the most of your age.

Cheapest car insurance in Putnam for young drivers

Drivers between the ages of 16 to 19 pay the highest insurance premiums of any age bracket in the Constitution State, in large part due to their limited driving experience. As a driver gains more experience behind the wheel, however, rates will decrease.

Progressive

Craig (23 years old)

Coverage

State Minimum

Putnam, CT (Zip Code: 06260)

Volkswagen NEW Beetle GLS

$119

per month

Safeco

Belle (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Putnam, CT (Zip Code: 06260)

Chevrolet Cavalier

$168

per month

Cheapest car insurance in Putnam for senior drivers

Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.

Progressive

Joseph (81 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Putnam, CT (Zip Code: 06260)

Honda CR-V LX

$67

per month

Cheap car insurance quotes in Putnam based on insurance history

Your insurance history—i.e., whether you have car insurance or not—also plays a role in determining the price of your premium.

Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance—and, depending on the duration, a

lapse in insurance coverage

could lead to being labeled a “high-risk driver,” resulting in higher premiums.

Progressive

Randall (23 years old)

Currently Insured

Coverage

State Minimum

Putnam, CT (Zip Code: 06260)

Volkswagen NEW Beetle GLS

$119

per month

Allstate

Bryan (26 years old)

Currently Insured

Coverage

State Minimum

Putnam, CT (Zip Code: 06260)

Volkswagen Passat SE

$257

per month

Safeco

Harold (25 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Putnam, CT (Zip Code: 06260)

Jeep Liberty Sport

$104

per month

Nationwide

Blake (35 years old)

Not Currently Insured

Coverage

250,000 per person

500,000 per accident bodily injury

Comp / Collision

Putnam, CT (Zip Code: 06260)

Ford Escape SE

$178

per month

State Auto

Mike (26 years old)

Currently Insured

Coverage

State Minimum

Putnam, CT (Zip Code: 06260)

Volkswagen Passat SE

$230

per month

Over 4,000,000 customers and counting

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Kari

Just made the switch from Geico to Progressive. I was able to reduce my premium by almost $500 a year while also getting increased coverage on my vehicles.

Andrew

Such a cheap deal for quality insurance. Would definitely recommend.

Standia

Love the prices at the general, I'm only 21 so my insurance rates are still pretty high, but they're the cheapest I could find on the market in my area.

Yoshi

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though

credit scores

don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.

Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
660 - 750	Progressive	$87	Isabel, 39 Zip: 06260	Ford Escape SE	• State Minimum Liability • Comp / Collision
660 - 750	Progressive	$87	William, 39 Zip: 06260	Ford Escape SE	• State Minimum Liability • Comp / Collision
550 - 659	AAA	$134	Bettie, 44 Zip: 06260	Chevrolet Equinox LT	• State Minimum Liability • Comp / Collision
< 550	Allstate	$257	Harvey, 26 Zip: 06260	Volkswagen Passat SE	• State Minimum Liability • Comp / Collision

Last Updated Sep 19, 2023

Cheap car insurance quotes in Putnam for popular cars

Your vehicle’s make and model also influence how much you pay for car insurance.

The cheapest cars to insure

have low repair costs, great security systems, and excellent safety ratings.

Some of the most popular models among Connecticut drivers include the Ford F-150, Chevy Silverado, Toyota Tacoma, and Subaru Outback. See how Jerry helps drivers save when insuring these models and others in Connecticut:

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Putnam

1. Shop around and compare quotes

Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.

That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers. Commonly available discounts for Connecticut drivers include:

Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.

Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!

Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.

Bundling discounts:

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car- insurance in Putnam?

People living in Putnam pay on average $148 per month – or $1,770 per year – on state-minimum liability coverage. Full coverage in Putnam costs on average $148 per month of $1,770 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Putnam?

Based on thousands of What is the cheapest car insurance in Putnam? drivers Jerry has worked with, car insurance in What is the cheapest car insurance in Putnam? costs an average of $148 per month for state-minimum coverage and $148 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Putnam?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.

Nationwide

Progressive

, and

Kemper

receive good ratings from Putnam drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Putnam, Connecticut?

The state-minimum car insurance in Putnam, Connecticut is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.