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Get Cheap Car Insurance in Hamden, CT
We monitor insurance prices, helping the average driver in Hamden save up to 29.9% on car insurance.
The Cheapest Minimum Coverage in Hamden
The chart below shows the cheapest car insurance company in Hamden 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.
| Hamden Insurer | Monthly Cost |
|---|---|
| Kemper | $78 |
| State Farm | $89 |
| Safeco Insurance | $91 |
| Travelers | $91 |
Savings for Every Kind of Hamden Driver
Based on our extensive insurance data, we know the average Hamden 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 $642 per year by choosing the right vehicle insurance company. Some Hamden residents are paying out over $2,189 extra every year for auto insurance in Hamden. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hamden, CT Savings / Yr. |
|---|---|
$642 |
|
$889 |
|
$618 |
|
$1,032 |
|
$2,428 |
|
$582 |
|
$978 |
Hamden Car Insurance vs. Connecticut
People living in Hamden pay an average of 13.14% more than the typical driver in the state. The average driver in Hamden can expect to pay about $1,499 per year, or $2,189 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Hamden for most people.
Car Insurance Prices by Hamden Neighborhood
Insurance Prices
Where is insurance cheapest within Hamden?
The map shows insurance prices in and around Hamden, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $770 per year within the city boundaries, with insurance premiums ranging from a high of $2,661 to a low of $1,891. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Hamden.Pick the Best Car Insurance Company for You in Hamden
The best car insurance provider for most drivers in Hamden
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $642 over the average Hamden car insurance company.
The best car insurance provider for Hamden 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 $889 over the competition.
The best car insurance company for Hamden drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $618 better than other car insurance companies.
The best auto insurance for Hamden drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $1,032 less each year.
The least expensive car insurance company for new and young drivers in Hamden
In Hamden, State Farm costs young drivers $2,428 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hamden
State Farm gave the largest car insurance discounts to married couples, averaging $582 saved each year compared to an average Hamden couple's premiums.
The cheapest car insurance in Hamden for drivers with bad credit
The best Hamden car insurance company for customer service
Recent price drops
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The cheapest large national provider in Hamden
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Hamden 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 Hamden, 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 Hamden
What Influences the Cost of Car Insurance in Hamden?
On average, car insurance in Hamden 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:
- 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 Hamden are among the lowest 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.
- Hamden has an average population density 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 Hamden is $125 per month for minimum coverage and $182 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
- Spring Glen: Insurance costs 9.46% less
- North Haven: Insurance costs 10.19% less
- New Haven: Insurance costs 2.42% less
- Woodbridge: Insurance costs 5.94% less
- Bethany: Insurance costs 11.60% less
- Millbrook: Insurance costs 10.14% less
- East Haven: Insurance costs 4.25% less
- West Haven: Insurance costs 3.33% more
- Northford: Insurance costs 12.84% less
- Wallingford Center: Insurance costs 10.19% less
Cities with Similar Populations
- Lake Havasu City: Insurance costs 21.11% less
- Grand Forks: Insurance costs 38.42% less
- Lenexa: Insurance costs 28.92% less
- Medina: Insurance costs 49.84% less
- Lebanon: Insurance costs 37.60% less
- The Hammocks: Insurance costs 48.06% more
- Howell: Insurance costs 30.88% more
- Hoboken: Insurance costs 0.78% more
- Hempstead: Insurance costs 54.50% more
- Griffin: Insurance costs 14.89% less