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Cheapest car insurance in New Britain, Connecticut (Nov 2024)
Cheapest car insurance in New Britain, Connecticut (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New Britain, Connecticut.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in New Britain
- Best car insurance companies in New Britain
- Best cheap car insurance quotes in New Britain
- Average cost of car insurance in New Britain
- Car insurance quotes in New Britain by rating factors
- How do different factors impact your car insurance costs in New Britain?
- Cheap car insurance quotes in New Britain after driving violations
- Cheap car insurance quotes in New Britain by age
- Cheap car insurance quotes in New Britain based on insurance history
- Cheap car insurance quotes in New Britain for popular cars
- How to lower car insurance costs in New Britain
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in New Britain
On average, car insurance in New Britain costs $103 per month for minimum liability coverage, or about $194 per month for full-coverage insurance. New Britain drivers pay -- Connecticut’s state average.
Smart car insurance shoppers in New Britain
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 New Britain.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $165 | Hannah, 31 Zip: 06053 | KIA RIO EX | • State Minimum Liability |
| Travelers | $182 | Larry, 37 Zip: 06052 | Toyota Sienna LE | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $155 | Cecelia, 35 Zip: 06051 | Honda Civic LX | • State Minimum Liability |
| AAA | $193 | Fred, 31 Zip: 06051 | BMW 325 XIT | • State Minimum Liability |
Gainsco | $141 | Logan, 32 Zip: 06051 | Subaru Legacy 2.5I Premium | • State Minimum Liability |
Last Updated Nov 10, 2024Best car insurance companies in New Britain
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.
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 New Britain
To legally hit the road in New Britain, 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 New Britain should consider purchasing full coverage for the best protection.
Cheap minimum liability insurance quotes in New Britain
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 New Britain car owners that Jerry has assisted in obtaining minimum liability coverage.
Hannah (31 years old)
$165
per month
Gerald (45 years old)
$162
per month
Verna (50 years old)
$171
per month
Do you need more than minimum coverage in New Britain?
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 New Britain
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 | $290 | Myra, 27 Zip: 06053 | Jeep Grand Cherokee Limited |
• State Minimum Liability • Comp / Collision | Allstate | $83 | Curtis, 57 Zip: 06051 | Mazda 3 i |
• State Minimum Liability • Comp / Collision | AAA | $239 | Brian, 50 Zip: 06052 | Nissan Rogue SV |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $182 | Larry, 37 Zip: 06052 | Toyota Sienna LE |
Last Updated Nov 9, 2024The 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.
Average cost of car insurance in New Britain
Based on Jerry’s work with drivers in New Britain , we’ve found that the average annual cost minimum liability coverage is $103 each year. That works out to about $1,232 per month. For full coverage, , we’ve found that the average annual cost minimum liability coverage is New Britain drivers typically pay $2,325 per year or $194 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.Average cost of car insurance in New Britain by zip code
Even within the same city, car insurance rates can still vary.
That’s because the rate of car accidents, auto theft, and other incidents often differs among neighborhoods—and areas that experience higher rates are consequently considered higher risk. As a result, drivers living in these neighborhoods could face higher premiums than drivers in other areas.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
6051 | $129 | $232 |
6052 | $96 | $226 |
6053 | $168 | $244 |
Car insurance quotes in New Britain by rating factors
Insurance companies in New Britain 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 New Britain?
How do different factors impact your car insurance costs in New Britain?
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 New Britain:
Cheap car insurance quotes in New Britain 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
- CReckless driving
- Driving on a suspended license
Cheapest car insurance in New Britain after DUI
Drivers with a DUI are considered high-risk, which results in steep increases to your annual premium.
Car insurance rates can also vary dramatically between insurance providers when you have a
DUI on your Connecticut driving record
—so comparing rates is the best way to find the most affordable option after a DUI offense. The good news is, Jerry has helped many drivers in New Britain obtain affordable auto insurance rates after a DUI.
Winnie (47 years old)
CoverageState Minimum
New Britain, CT (Zip Code: 06051)
Lincoln MKZ$463
per month
Mattie (35 years old)
$84
per month
Cheapest car insurance in New Britain 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:
Cheapest car insurance in New Britain 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 New Britain drivers find cheap car insurance despite previous violations.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Stop | Progressive | $108 | Glenn, 30 Zip: 06053 | Nissan Maxima SE | • State Minimum Liability |
Wrong Way/Wrong Lane | AAA | $404 | Olive, 35 Zip: 06053 | Nissan Maxima 3.5S | • State Minimum Liability • Comp / Collision |
Cell Phone | Travelers | $219 | Madge, 39 Zip: 06051 | Chevrolet Traverse LT | • 50,000/100,000 Liability • Comp / Collision |
Driving on Sus. License | Bristol West | $243 | Jessie, 35 Zip: 06053 | Toyota Avalon XL | • State Minimum Liability |
Failure to Stop | Allstate | $155 | Nathaniel, 34 Zip: 06051 | Honda Civic LX | • State Minimum Liability |
Improper Passing | Progressive | $193 | Alice, 25 Zip: 06051 | Honda Accord Sport | • State Minimum Liability |
Last Updated Nov 6, 2024Cheap car insurance quotes in New Britain 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 New Britain 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.
Mamie (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
New Britain, CT (Zip Code: 06051)
$375
per month
Brent (24 years old)
$224
per month
Cheapest car insurance in New Britain 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.
Stella (69 years old)
CoverageState Minimum
New Britain, CT (Zip Code: 06051)
Mitsubishi Lancer ES$82
per month
Bill (69 years old)
CoverageState Minimum
New Britain, CT (Zip Code: 06051)
Mitsubishi Lancer ES$89
per month
Josephine (68 years old)
$71
per month
Cheap car insurance quotes in New Britain 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. Clyde (28 years old)
$211
per month
Jorge (37 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
New Britain, CT (Zip Code: 06051)
$133
per month
Bessie (27 years old)
$274
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I really like being with progressive. So far it's been a great experience.
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).
Here’s how drivers with low credit scores saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $161 | Margaret, 40 Zip: 06053 | Honda CR-V LX | • State Minimum Liability • Comp / Collision |
660 - 750 | Safeco | $135 | Amanda, 30 Zip: 06051 | Lexus IS 300 | • State Minimum Liability • Comp / Collision |
660 - 750 | AAA | $96 | Duane, 41 Zip: 06052 | Jeep Commander | • State Minimum Liability |
550 - 659 | Travelers | $219 | Etta, 39 Zip: 06051 | Chevrolet Traverse LT | • 50,000/100,000 Liability • Comp / Collision |
< 550 | National General | $135 | Elsie, 34 Zip: 06053 | Acura 3.2TL | • State Minimum Liability |
Last Updated Nov 10, 2024Cheap car insurance quotes in New Britain 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:
Last Updated Nov 10, 2024How to lower car insurance costs in New Britain
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.
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.
FAQ
How much is car insurance in CT per month?
Car insurance averages $98 per month for minimum coverage, and $182 per month for full coverage in Connecticut. This equates to approximately $1,178 per year for liability-only policies, or $2,192 per year for those seeking more protection in full coverage.
Why is car insurance so high in Connecticut?
Car insurance is high in Connecticut due to rising vehicle repair costs and driving risks, both natural and man-made. Recently, the COVID-19 pandemic caused safe driving habits to drop while supply chain issues made car parts and repair costs soar. Like the rest of the country,
Tennessee is also facing more severe and costly natural disasters
as the global climate crisis worsens.Is car insurance cheaper in New York or Connecticut?
On average, car insurance is relatively cheaper in Connecticut than in New York. It costs an average of $1,459 to $2,523 per year to insure your car in NY, while Connecticut drivers pay an average of $1,178 to $2,192 per year.
What’s the minimum car insurance in Connecticut?
The minimum car insurance in Connecticut is 25/50/25 liability insurance and 25/50 uninsured/underinsured motorist coverage. In plain terms, that’s $25,000 of bodily injury liability coverage per person (to a maximum of $50,000 per accident) and an equal amount of uninsured/underinsured motorist coverage, plus $25,000 of property damage liability 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
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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.