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Get Cheap Car Insurance in East Lyme, CT
We monitor insurance prices, helping the average driver in East Lyme save up to 29.9% on car insurance.
The Cheapest Minimum Coverage in East Lyme
The chart below shows the cheapest car insurance company in East Lyme for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by State Farm, Safeco Insurance, and Travelers.
| East Lyme Insurer | Monthly Cost |
|---|---|
| Kemper | $67 |
| State Farm | $77 |
| Safeco Insurance | $78 |
| Travelers | $78 |
Savings for Every Kind of East Lyme Driver
Based on our extensive insurance data, we know the average East Lyme driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $552 per year by choosing the right vehicle insurance company. Some East Lyme residents are paying out over $1,885 extra every year for auto insurance in East Lyme. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
East Lyme, CT Savings / Yr. |
|---|---|
$552 |
|
$766 |
|
$532 |
|
$889 |
|
$2,091 |
|
$501 |
|
$842 |
East Lyme Car Insurance vs. Connecticut
People living in East Lyme pay an average of 2.56% less than the typical driver in the state. The average driver in East Lyme can expect to pay about $1,291 per year, or $1,885 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in East Lyme for most people.
Car Insurance Prices by East Lyme Neighborhood
Insurance Prices
Where is insurance cheapest within East Lyme?
The map shows insurance prices in and around East Lyme, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $102 per year within the city boundaries, with insurance premiums ranging from a high of $1,962 to a low of $1,860. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Central parts of East Lyme.Pick the Best Car Insurance Company for You in East Lyme
The best car insurance provider for most drivers in East Lyme
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $552 over the average East Lyme car insurance company.
The best car insurance provider for East Lyme drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $766 over the competition.
The best car insurance company for East Lyme drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $532 better than other car insurance companies.
The best auto insurance for East Lyme drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $889 less each year.
The least expensive car insurance company for new and young drivers in East Lyme
In East Lyme, State Farm costs young drivers $2,091 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in East Lyme
State Farm gave the largest car insurance discounts to married couples, averaging $501 saved each year compared to an average East Lyme couple's premiums.
The cheapest car insurance in East Lyme for drivers with bad credit
The best East Lyme car insurance company for customer service
Recent price drops
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The cheapest large national provider in East Lyme
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average East Lyme driver can expect to pay about $120 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In East Lyme, USAA has the best prices for drivers with accidents, married couples, drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around East Lyme
What Influences the Cost of Car Insurance in East Lyme?
On average, car insurance in East Lyme is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in East Lyme is 29 minutes, which is far less than average for a driver in the state.
- Connecticut state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in East Lyme are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- East Lyme is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in East Lyme is $108 per month for minimum coverage and $157 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Laysville: Insurance costs 0.11% less
- Niantic: Insurance costs 1.54% more
- Giants Neck: Insurance costs 4.08% more
- Waterford: Insurance costs 1.70% more
- Old Lyme: Insurance costs 0.64% more
- Millstone: Insurance costs 1.80% more
- South Lyme: Insurance costs 2.86% more
- North Lyme: Insurance costs the same
- Quaker Hill: Insurance costs 1.33% more
- New London: Insurance costs 14.32% more
Cities with Similar Populations
- Sheffield Lake: Insurance costs 40.32% less
- Highland Park: Insurance costs 5.84% less
- Hilliard: Insurance costs 28.75% more
- Hillside: Insurance costs 2.12% less
- Hillview: Insurance costs 10.56% more
- Hinckley: Insurance costs 40.85% less
- Hitchcock: Insurance costs 6.21% less
- Shamokin: Insurance costs 28.28% less
- Shavertown: Insurance costs 27.43% less
- Herkimer: Insurance costs 16.45% more