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Get Cheap Car Insurance in Essex, CT
We monitor insurance prices, helping the average driver in Essex save up to 29.9% on car insurance.
The Cheapest Minimum Coverage in Essex
The chart below shows the cheapest car insurance company in Essex 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.
| Essex Insurer | Monthly Cost |
|---|---|
| Kemper | $69 |
| State Farm | $79 |
| Safeco Insurance | $80 |
| Travelers | $80 |
Savings for Every Kind of Essex Driver
Based on our extensive insurance data, we know the average Essex 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 $564 per year by choosing the right vehicle insurance company. Some Essex residents are paying out over $1,926 extra every year for auto insurance in Essex. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Essex, CT Savings / Yr. |
|---|---|
$564 |
|
$782 |
|
$543 |
|
$908 |
|
$2,136 |
|
$512 |
|
$860 |
Essex Car Insurance vs. Connecticut
People living in Essex pay an average of 0.47% less than the typical driver in the state. The average driver in Essex can expect to pay about $1,319 per year, or $1,926 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Essex for most people.
Car Insurance Prices by Essex Neighborhood
Insurance Prices
Where is insurance cheapest within Essex?
The map shows insurance prices in and around Essex, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $177 per year within the city boundaries, with insurance premiums ranging from a high of $2,043 to a low of $1,866. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southwest parts of Essex.Pick the Best Car Insurance Company for You in Essex
The best car insurance provider for most drivers in Essex
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $564 over the average Essex car insurance company.
The best car insurance provider for Essex 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 $782 over the competition.
The best car insurance company for Essex drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $543 better than other car insurance companies.
The best auto insurance for Essex drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $908 less each year.
The least expensive car insurance company for new and young drivers in Essex
In Essex, State Farm costs young drivers $2,136 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Essex
State Farm gave the largest car insurance discounts to married couples, averaging $512 saved each year compared to an average Essex couple's premiums.
The cheapest car insurance in Essex for drivers with bad credit
The best Essex car insurance company for customer service
Recent price drops
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The cheapest large national provider in Essex
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Essex 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 Essex, 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 Essex
What Influences the Cost of Car Insurance in Essex?
On average, car insurance in Essex 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 Essex is 33 minutes, which is about the national 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 Essex are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Essex is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Essex is $110 per month for minimum coverage and $161 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
- Centerbrook: Insurance costs 0.62% less
- Essex Village: Insurance costs 1.77% less
- Ivoryton: Insurance costs 0.78% less
- Deep River: Insurance costs 2.02% less
- Hamburg: Insurance costs 2.28% less
- Old Saybrook: Insurance costs 0.52% less
- Westbrook: Insurance costs 0.42% more
- Hadlyme: Insurance costs 3.01% less
- Old Lyme: Insurance costs 1.51% less
- Chester: Insurance costs 0.83% less
Cities with Similar Populations
- Elm Springs: Insurance costs 15.11% less
- Barnesville: Insurance costs 18.90% less
- Lake Erie Beach: Insurance costs 16.67% more
- Grantville: Insurance costs 34.68% less
- Girard: Insurance costs 20.82% less
- Elsie: Insurance costs 43.77% more
- Elim: Insurance costs 31.10% less
- East Rockingham: Insurance costs 30.79% less
- Dyer: Insurance costs 28.35% less
- Davis: Insurance costs 28.66% less