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Get Cheap Car Insurance in Fairfield, CT
We monitor insurance prices, helping the average driver in Fairfield save up to 29.9% on car insurance.
The Cheapest Minimum Coverage in Fairfield
The chart below shows the cheapest car insurance company in Fairfield 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 Insurer | Monthly Cost |
|---|---|
| Kemper | $73 |
| State Farm | $84 |
| Safeco Insurance | $85 |
| Travelers | $86 |
Savings for Every Kind of Fairfield Driver
Based on our extensive insurance data, we know the average Fairfield 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 $605 per year by choosing the right vehicle insurance company. Some Fairfield residents are paying out over $2,064 extra every year for auto insurance in Fairfield. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fairfield, CT Savings / Yr. |
|---|---|
$605 |
|
$838 |
|
$582 |
|
$973 |
|
$2,289 |
|
$548 |
|
$921 |
Fairfield Car Insurance vs. Connecticut
People living in Fairfield pay an average of 6.65% more than the typical driver in the state. The average driver in Fairfield can expect to pay about $1,413 per year, or $2,064 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Fairfield for most people.
Car Insurance Prices by Fairfield Neighborhood
Insurance Prices
Where is insurance cheapest within Fairfield?
The map shows insurance prices in and around Fairfield, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $350 per year within the city boundaries, with insurance premiums ranging from a high of $2,269 to a low of $1,919. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Fairfield.Pick the Best Car Insurance Company for You in Fairfield
The best car insurance provider for most drivers in Fairfield
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $605 over the average Fairfield car insurance company.
The best car insurance provider for Fairfield 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 $838 over the competition.
The best car insurance company for Fairfield drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $582 better than other car insurance companies.
The best auto insurance for Fairfield drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $973 less each year.
The least expensive car insurance company for new and young drivers in Fairfield
In Fairfield, State Farm costs young drivers $2,289 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fairfield
State Farm gave the largest car insurance discounts to married couples, averaging $548 saved each year compared to an average Fairfield couple's premiums.
The cheapest car insurance in Fairfield for drivers with bad credit
The best Fairfield car insurance company for customer service
Recent price drops
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The cheapest large national provider in Fairfield
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Fairfield 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 Fairfield, 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 Fairfield
What Influences the Cost of Car Insurance in Fairfield?
On average, car insurance in Fairfield 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 city are influenced by the following factors:
- The average commute time in Fairfield is 42 minutes, which is far 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 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 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 Fairfield is $118 per month for minimum coverage and $172 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
- Southport: Insurance costs 2.71% less
- Bridgeport: Insurance costs 6.54% more
- Westport: Insurance costs 0.39% more
- Easton: Insurance costs 4.80% less
- Trumbull: Insurance costs 0.63% less
- Stratford: Insurance costs 8.09% more
- Weston: Insurance costs 4.07% less
- Cannondale: Insurance costs 5.72% less
- Wilton: Insurance costs 4.02% less
- Norwalk: Insurance costs 10.22% more
Cities with Similar Populations
- Richmond: Insurance costs 0.44% more
- Fuquay-Varina: Insurance costs 37.60% less
- Glen Allen: Insurance costs 41.09% less
- Grand Island: Insurance costs 30.57% less
- Hacienda Heights: Insurance costs 10.61% more
- North Fort Myers: Insurance costs 18.85% more
- Nurillo: Insurance costs 11.39% less
- Oregon City: Insurance costs 22.53% less
- Punta Gorda: Insurance costs 14.15% more
- Redford: Insurance costs 71.22% more