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Get Cheap Car Insurance in Fairfield County, CT

We monitor insurance prices, helping the average driver in Fairfield County save up to 29.9% on car insurance.

 

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The Cheapest Minimum Coverage in Fairfield County

The chart below shows the cheapest car insurance company in Fairfield County 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.

 
Fairfield County Insurer Monthly Cost
Kemper $78
State Farm $90
Safeco Insurance $91
Travelers $91

Savings for Every Kind of Fairfield County Driver

The table shows how much the average auto insurance customer in Fairfield County might save by following our recommendations.

Based on our extensive insurance data, we know the average Fairfield County 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 $644 per year by choosing the right vehicle insurance company. Some Fairfield County residents are paying out over $2,199 extra every year for auto insurance in Fairfield County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Fairfield County, CT Savings / Yr.
Drivers with good records
$644
Drivers with accidents
$893
Drivers with speeding tickets
$620
Drivers with a DUI conviction
$1,036
Young drivers
$2,438
Married drivers
$584
Drivers with bad credit
$982

Fairfield County Car Insurance vs. Connecticut

People living in Fairfield County pay an average of 13.63% more than the typical driver in the state. The average driver in Fairfield County can expect to pay about $1,506 per year, or $2,199 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Fairfield County for most people.

Car Insurance Prices by Fairfield County Neighborhood

Fairfield County, CT map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Fairfield County?

The map shows insurance prices in and around Fairfield County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $962 per year within the county boundaries, with insurance premiums ranging from a high of $2,826 to a low of $1,864. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northeast parts of Fairfield County.

Pick the Best Car Insurance Company for You in Fairfield County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Fairfield County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Fairfield County

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $644 over the average Fairfield County car insurance company.

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We use the average good driver, paying $130 per month, as our baseline for pricing in Fairfield County. Travelers, Kemper, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Fairfield County drivers with accidents on their records

In Fairfield County getting into an accident will raise premiums an average 27% for a yearly cost of $2,994. That's $795 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $893 over the competition.

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The best car insurance company for Fairfield County drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $620 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Fairfield County, tickets raise premiums on new quotes about $358. If you have a speeding ticket, we recommend State Farm, Geico, and Kemper for savings that beat the average insurance cost of $2,557 per year.

The best auto insurance for Fairfield County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,621 per year in auto insurance premiums, which was $1,423 more than a driver with no major issues. State Farm, Travelers, and Plymouth Rock Assurance penalized their customers the least for a DUI.

Getting a quote from Travelers may cost the average person with a DUI about $1,036 less each year.

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The least expensive car insurance company for new and young drivers in Fairfield County

In Fairfield County, State Farm costs young drivers $2,438 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 73% more for insurance than more mature drivers in Fairfield County. With an average cost of $8,169 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Nationwide try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Fairfield County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $157. State Farm, Nationwide, and Travelers provided the largest discounts to couples living in Fairfield County.

State Farm gave the largest car insurance discounts to married couples, averaging $584 saved each year compared to an average Fairfield County couple's premiums.

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The cheapest car insurance in Fairfield County for drivers with bad credit

People with poor credit saved an average of $982 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,212 every year. Premiums for people with poor credit were about $3,411 in Fairfield County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Safeco Insurance, and Plymouth Rock Assurance.

The best Fairfield County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Fairfield County, the National Association of Insurance Commissioners (NAIC) ranks Amica as the best. Another valuable metric: JD Power ranks Amica as the best provider in Fairfield County.

Amica was the best company for customer service in Fairfield County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Fairfield County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Fairfield County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Fairfield County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 32% of Fairfield County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Fairfield County driver can expect to pay about $120 per month.

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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 Fairfield County, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Fairfield County

What Influences the Cost of Car Insurance in Fairfield County?

On average, car insurance in Fairfield County is more expensive than the rest of the state. These high 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 county are influenced by the following factors:

  • The average commute time in Fairfield County is 39 minutes, which is a little more 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 Fairfield County are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
  • Fairfield County is a lightly populated area in the state. The county’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 Fairfield County is $125 per month for minimum coverage and $183 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 Counties

Counties with Similar Populations

* Who is the average Fairfield County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Fairfield County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.